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City · 7,527 residents · Saline County, Nebraska

Crete , Nebraska

In Crete, a typical home is worth $223,500 and typical rent is $936 a month. Compared with all of Saline County, the typical home value is 13% higher and the share of households that own their home is 7 points lower.

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  • Typical home value

    $223,500

    13% above the county

    6% below Nebraska

    • Crete
    • Saline
    • Nebraska

  • Typical rent

    $936a month

    2% above the county

    13% below Nebraska

    • Crete
    • Saline
    • Nebraska

  • Typical household income

    $77,209a year

    3% below the county

    About the same as Nebraska

    • Crete
    • Saline
    • Nebraska

  • Households that own their home

    69%

    7 points below the county

    3 points above Nebraska

    • Crete
    • Saline
    • Nebraska

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$242,963
1.2% less than 12 months ago

From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).

Crete is in Saline County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Saline County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Crete apart

What this place has that others do not, from public data, most unusual first.

  1. Nearby, in Beatrice, the typical home value is $159,300: 29% less than in Crete ($223,500).

  2. According to Zillow, in the 12 months to September 2026 the typical home value in Crete fell 1.2%; in Nebraska, it rose 3%.

  3. Nearby, in Beatrice, the typical rent is $758: 19% less than in Crete ($936).

  4. 69% of households in Crete own their home, against 76% in Saline County.

Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data

The homes here

Housing in Crete

What homes there are in Crete, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

In Crete, 7 in 10 homes are single-family detached houses; in Saline County, 8.

Year built

Here half of the homes date from 1968 or later; in Saline County, from 1964 or later.

There are fewer big homes in Crete than in Saline County: 60% have 3 bedrooms or more, against 64%.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes

At least 97% of owner-occupied homes in Crete are worth less than $500,000, below the FHA loan limit for Saline County ($541,287).

Monthly rent with utilities

With a mortgage

$1,884 a month

Saline County: $1,676 a month

Without a mortgage

$698 a month

Saline County: $632 a month

Owners with a mortgage

38%

Saline County: 45%

The typical cost for an owner with a mortgage in Crete is $1,884 a month, more than in Saline County ($1,676); without one, $698.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

From 2015–2019 to 2020–2024, the typical home value in Crete rose 130%; in Saline County, it rose 99%.

Much as in Saline County, the typical rent in Crete rose 19% since 2015–2019.

While home values in Crete changed +130% and rent +19%, the typical household income rose 69%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureCreteSaline CountyNebraskaUnited States
Rental vacancy Unreliable estimateUnreliable estimate4.3%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.6%0.9%
More than one person per room Unreliable estimateUnreliable estimate2.1%3.4%
People per household 2.942.732.422.53
Drive alone 76%79%76%69%
Carpool 16%13%9%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate3%3%3%
Work from home Unreliable estimate5%11%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute Unreliable estimate10 to 19 minutes10 to 19 minutes20 to 29 minutes

On average, a household in Crete has 2.94 people, more than in Saline County (2.73).

More people carpool to work in Crete than in Saline County: 16% against 13%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Crete?

A typical home is tight for the typical income

We start with a typical home in Crete, worth $223,500, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 30% of the typical household income in Crete, which is $77,209 a year. For that payment to be 28% of income, a household would need to earn about $81,839 a year.

The calculator's FHA and conventional loan limits are those of all of Saline County.

Your numbers

Local data
$

Starts at the typical home value in Crete. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $7,823 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$1,910

at 7.18% · 30 years

Loan amount
$219,451
Total interest
$315,739
Paid off in
November 2056

Includes $3,774 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,802 a month

  • Tight

    $1,802 to $2,316 a month

    Your payment · 30%

  • Hard

    more than $2,316 a month

Compared with the typical household income in Crete ($77,209 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,910
Principal & interest$1,487
Property tax$231
Home insurance$93
FHA mortgage insurance (MIP)$99

You need at least $7,823 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Crete and Saline County

Crete is in Saline County, Nebraska. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Crete's own numbers

Typical home value
$223,500
Typical monthly rent
$936
Typical yearly household income
$77,209
Households that own their home
69%
Effective property tax rate
1.24%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Saline County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,050
Price change over 5 years (FHFA)
+52%
Homes in a high flood-risk zone
12%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Saline County.

Everything about Saline County

Buying

Buying a home in Crete

A typical home in Crete is worth $223,500: 13% above the county and 6% below Nebraska. With the typical household income in Crete ($77,209 a year), a typical home costs 2.9 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Crete 2.9 years
  • Saline 2.5 years
  • Nebraska 3.1 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Saline County

According to FHFA’s house price index, home prices in Saline County rose 100% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Saline County.

Period County Nebraska U.S.
Last year (2025) −0.1% +3.3% +2.9%
5 years (2020–2025) +52% +49% +47%
10 years (2015–2025) +100% +87% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Crete next to Saline County, Nebraska and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Crete $223,500
  • Saline $197,400
  • Nebraska $238,600
  • United States $332,700
Typical monthly rent
  • Crete $936
  • Saline $914
  • Nebraska $1,072
  • United States $1,413
Typical yearly household income
  • Crete $77,209
  • Saline $79,910
  • Nebraska $76,475
  • United States $80,734
See the full table
Crete next to Saline County and Nebraska
Measure Crete Saline County Nebraska U.S.
Typical home value $223,500 $197,400 $238,600 $332,700
Typical monthly rent $936 $914 $1,072 $1,413
Typical yearly household income $77,209 $79,910 $76,475 $80,734
Households that own their home 69% 76% 67% 65%
Typical yearly property tax $2,777 $2,663 $3,549 $3,119
Effective property tax rate 1.24% 1.35% 1.49% 0.94%
Renters with high rent for their income 41% 34% 45% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Saline County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Crete

For a typical $223,500 home in Crete, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Crete's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,910a month

    Least cash to close
    Down payment
    $7,823
    Cash to close
    $14,528
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $99

  • Conventional, 5% down $1,869a month

    Down payment
    $11,175
    Cash to close
    $17,880
    Rate
    7.18%
    Mortgage insurance
    PMI · $106

  • Conventional, 20% down, no PMI $1,535a month

    Down payment
    $44,700
    Cash to close
    $51,405
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,742a month

    Down payment
    $33,525
    Cash to close
    $40,230
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Crete and for Saline County.

Property tax

Effective rate in Crete

1.24%of the home’s value each year

$2,777 a year for the typical owner in Crete.

  • Crete 1.24%
  • Saline 1.35%
  • Nebraska 1.49%

What Nebraska publishes Homestead exemption for seniors, people with disabilities and veterans (Nebraska Department of Revenue, Property Assessment Division)

Exemptions and deadlines in Nebraska

Flood risk in Saline County

FEMA does not publish these numbers by city: they are for all of Saline County.

Homes in the high-risk zone
12%
992
Of those, with NFIP insurance
4.6%
County Nebraska U.S.
Homes in the high-risk zone 12% 3.5% 3.5%
Of those, with NFIP insurance 4.6% 15% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Crete

Typical rent in Crete is $936 a month: 2% above the county. In Crete, 41% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Saline County, by unit size. To pay the 2-bedroom one ($1,050 a month) without spending more than 30% of your income, you would need to earn $20.19 an hour working full time.

HUD fair market rent for all of Saline County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $731 $14.06 $29,240
1 bedroom $803 $15.44 $32,120
2 bedrooms $1,050 $20.19 $42,000
3 bedrooms $1,454 $27.96 $58,160
4 bedrooms $1,594 $30.65 $63,760

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Crete

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Crete is in ZIP code 68333.

For 2 bedrooms it is $1,060: $10 more than the fair market rent for Saline County ($1,050).

  • 68333 $1,060$1,460

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Crete when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Crete

HUD lists 4 buildings with rents for lower incomes in Crete. These are the largest.

  • Centennial Terrace 1600 Grove Ave, Crete 68333 40 low-income homes · Run by City of Crete Housing Authority · Average payment: $385 a month · Average wait: 10 months (402) 826-2678
  • Crete Apts 2245 Heather Dr, Crete 68333 36 low-income homes · In service since 1992
  • Goldenrod Village 205 S Goldenrod Pl, Crete 68333 24 low-income homes · 1 bd: 16 · 2 bd: 8 · In service since 2007 · For older adults
  • Blue Terrace Crown 1155 E 20th St, Crete 68333 16 low-income homes · 3 bd: 16 · In service since 2003 · For families

See all 8 buildings in Saline County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Crete

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

We found no HUD-approved agencies with an office in Saline County. The nearest ones are below; many serve by phone or online.

A man leans over the armchair to help a teenage girl with her book.

HUD counseling is free or low-cost

Assistance programs in Crete

No down payment, repair or rent-help program on our list is for Crete or Saline County. The ones below are statewide in Nebraska: they work in Crete the same as in the rest of the state.

Which programs do I qualify for? All programs in Nebraska

  • Homebuyer Assistance (HBA) Program

    Statewide in Nebraska

    Nebraska state authority program for first-time buyers: a NIFA mortgage plus a second mortgage of up to 5% of the price at 1%, over 10 years, for the down payment and closing costs. Offered by Nebraska Investment Finance Authority (NIFA).

    Repayable

    See the program Official page

  • Welcome Home Assistance (WHA)

    Statewide in Nebraska

    Nebraska state authority option that adds a second loan for the down payment and closing costs to the Welcome Home mortgage, for first-time buyers and for people who have owned a home before; the page does not state the amount. Offered by Nebraska Investment Finance Authority (NIFA).

    Type not stated

    See the program Official page

Housing counselors near Crete

The HUD-approved agencies closest to the center of Crete, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Neighborhoods, Inc. DBA Neighborworks Lincoln

    2530 Q St, Lincoln · 19 miles away

    • Workshops for new owners
    • Pre-purchase counseling
    • and 1 more
    (402) 477-7181

  • Blue Valley Community Action Partnership

    620 5th St, Fairbury · 36 miles away

    • Budget and financial counseling
    • Budget and credit workshops
    • and 5 more
    (402) 729-2278

  • Credit Advisors Foundation

    1818 S. 72nd Street, Omaha · 65 miles away · Spanish

    Also serves in Korean and other languages.

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 9 more
    (877) 677-5779

All counseling agencies in Nebraska

Help in Spanish near Crete

1 of the 3 agencies on this list says it serves in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Crete

HUD’s record names them for Crete or Saline County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • City of Crete Housing Authority Public housing and Section 8 vouchers (402) 826-2678

2 other authorities have an office in Saline County: see the list Source: HUD

Cities

Nearby cities

The cities closest to Crete, with the typical home value.

Everything about Saline County Housing in Nebraska

Neighboring counties

If Saline County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Crete.

All guides
A mother holds her laughing daughter on a grey sofa.

Questions

Housing questions about Crete

Short answers with the numbers for Crete and all of Saline County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Crete?

The typical home value in Crete is $223,500, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Saline County it is $197,400.

How much does it cost to rent in Crete?

Typical rent in Crete is $936 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Saline County is $1,050.

What is the FHA loan limit in Crete?

Crete uses the FHA limit for all of Saline County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.

How much property tax do owners pay in Crete?

The typical homeowner in Crete pays $2,777 a year, according to the U.S. Census Bureau. That is 1.24% of the home’s value; in Saline County, the rate is 1.35%.

Where can I find free help to buy or rent in Crete?

We found no HUD-approved counseling agencies with an office in Saline County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).