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City · 8,550 residents · Scotts Bluff County, Nebraska

Gering , Nebraska

In Gering, a typical home is worth $186,500 and typical rent is $823 a month. Compared with all of Scotts Bluff County, typical household income is 18% higher and the typical home value is 11% higher.

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  • Typical home value

    $186,500

    11% above the county

    22% below Nebraska

    • Gering
    • Scotts Bluff
    • Nebraska

  • Typical rent

    $823a month

    9% below the county

    23% below Nebraska

    • Gering
    • Scotts Bluff
    • Nebraska

  • Typical household income

    $75,093a year

    18% above the county

    About the same as Nebraska

    • Gering
    • Scotts Bluff
    • Nebraska

  • Households that own their home

    72%

    3 points above the county

    6 points above Nebraska

    • Gering
    • Scotts Bluff
    • Nebraska

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

Market now, with Zillow data

Zillow data
Typical home value
$213,885
2.2% more than 12 months ago

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

Gering is in Scotts Bluff 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 Scotts Bluff County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Gering apart

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

  1. Nearby, in Scottsbluff, the typical home value is $137,700: 26% less than in Gering ($186,500).

  2. Nearby, in Alliance, the typical rent is $694: 16% less than in Gering ($823).

  3. The typical household income in Gering is $75,093, 18% more than in Scotts Bluff County as a whole ($63,614).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Gering

What homes there are in Gering, 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

As in Scotts Bluff County, most homes in Gering are detached houses (76%).

Year built

Homes in Gering are newer: the typical year built is 1975; in Scotts Bluff County, 1969.

There is more room for a big family here: 73% of homes have 3 bedrooms or more, against 61% in Scotts Bluff County.

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 98% of owner-occupied homes in Gering are worth less than $500,000, below the FHA loan limit for Scotts Bluff County ($541,287).

Monthly rent with utilities

With a mortgage

$1,573 a month

Scotts Bluff County: $1,497 a month

Without a mortgage

$657 a month

Scotts Bluff County: $592 a month

Owners with a mortgage

59%

Scotts Bluff County: 55%

In Gering, 59% of owners have a mortgage, and their typical cost is $1,573 a month, against $1,497 in Scotts Bluff County. Without one it drops to $657.

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

The typical home value in Gering rose 35% since 2015–2019, more than in Scotts Bluff County (32%).

Rent in Gering moved so little since 2015–2019 that the Census cannot say whether it rose or fell.

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

MeasureGeringScotts Bluff 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 estimate1.9%2.1%3.4%
People per household 2.442.322.422.53
Drive alone 89%82%76%69%
Carpool Unreliable estimate9%9%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate2%3%3%
Work from home Unreliable estimate6%11%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute 10 to 19 minutes10 to 19 minutes10 to 19 minutes20 to 29 minutes

On average, a household in Gering has 2.44 people, more than in Scotts Bluff County (2.32).

To get to work, 89% of workers in Gering drive alone; in Scotts Bluff County, 82%.

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 Gering?

A typical home is within reach of the typical income

We start with a typical home in Gering, worth $186,500, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 26% of the typical household income in Gering, which is $75,093 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Gering. 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 $6,528 (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

$1,646

at 7.18% · 30 years

Loan amount
$183,122
Total interest
$263,469
Paid off in
November 2056

Includes $3,150 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,752 a month

    Your payment · 26%

  • Tight

    $1,752 to $2,253 a month

  • Hard

    more than $2,253 a month

Compared with the typical household income in Gering ($75,093 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,646
Principal & interest$1,241
Property tax$246
Home insurance$78
FHA mortgage insurance (MIP)$82

You need at least $6,528 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

Gering and Scotts Bluff County

Gering is in Scotts Bluff 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).

Gering's own numbers

Typical home value
$186,500
Typical monthly rent
$823
Typical yearly household income
$75,093
Households that own their home
72%
Effective property tax rate
1.58%

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

Numbers for all of Scotts Bluff County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,023
Price change over 5 years (FHFA)
+41%

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 Scotts Bluff County.

Everything about Scotts Bluff County

Buying

Buying a home in Gering

A typical home in Gering is worth $186,500: 11% above the county and 22% below Nebraska. With the typical household income in Gering ($75,093 a year), a typical home costs 2.5 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.

  • Gering 2.5 years
  • Scotts Bluff 2.6 years
  • Nebraska 3.1 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Scotts Bluff County

According to FHFA’s house price index, home prices in Scotts Bluff County rose 53% in the 10 years through 2025.

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

Period County Nebraska U.S.
Last year (2025) +3.9% +3.3% +2.9%
5 years (2020–2025) +41% +49% +47%
10 years (2015–2025) +53% +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

Gering next to Scotts Bluff 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
  • Gering $186,500
  • Scotts Bluff $168,500
  • Nebraska $238,600
  • United States $332,700
Typical monthly rent
  • Gering $823
  • Scotts Bluff $909
  • Nebraska $1,072
  • United States $1,413
Typical yearly household income
  • Gering $75,093
  • Scotts Bluff $63,614
  • Nebraska $76,475
  • United States $80,734
See the full table
Gering next to Scotts Bluff County and Nebraska
Measure Gering Scotts Bluff County Nebraska U.S.
Typical home value $186,500 $168,500 $238,600 $332,700
Typical monthly rent $823 $909 $1,072 $1,413
Typical yearly household income $75,093 $63,614 $76,475 $80,734
Households that own their home 72% 69% 67% 65%
Typical yearly property tax $2,955 $2,495 $3,549 $3,119
Effective property tax rate 1.58% 1.48% 1.49% 0.94%
Renters with high rent for their income 48% 49% 45% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Scotts Bluff 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 Gering

For a typical $186,500 home in Gering, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Gering's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,646a month

    Least cash to close
    Down payment
    $6,528
    Cash to close
    $12,123
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $82

  • Conventional, 5% down $1,612a month

    Down payment
    $9,325
    Cash to close
    $14,920
    Rate
    7.18%
    Mortgage insurance
    PMI · $89

  • Conventional, 20% down, no PMI $1,334a month

    Down payment
    $37,300
    Cash to close
    $42,895
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,506a month

    Down payment
    $27,975
    Cash to close
    $33,570
    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 Gering and for Scotts Bluff County.

Property tax

Effective rate in Gering

1.58%of the home’s value each year

$2,955 a year for the typical owner in Gering.

  • Gering 1.58%
  • Scotts Bluff 1.48%
  • 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 Scotts Bluff County

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

FEMA’s maps count no homes in the high-risk zone in Scotts Bluff County. That does not mean it cannot flood: check your address.

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Gering

Typical rent in Gering is $823 a month: 9% below the county. In Gering, 48% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Scotts Bluff County, by unit size. To pay the 2-bedroom one ($1,023 a month) without spending more than 30% of your income, you would need to earn $19.67 an hour working full time.

HUD fair market rent for all of Scotts Bluff 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 $712 $13.69 $28,480
1 bedroom $782 $15.04 $31,280
2 bedrooms $1,023 $19.67 $40,920
3 bedrooms $1,294 $24.88 $51,760
4 bedrooms $1,454 $27.96 $58,160

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 Gering

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Gering is in ZIP code 69341.

For 2 bedrooms it is $1,010: $13 less than the fair market rent for Scotts Bluff County ($1,023).

  • 69341 $1,010$1,290

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Gering 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 Gering

HUD lists 8 buildings with rents for lower incomes in Gering. These are the largest.

  • Village at Gering 155 L St, Gering 69341 49 low-income homes · 2 bd: 24 · 3 bd: 24 · In service since 2004 · For families
  • Cottonwood Apts 325 L St, Gering 69341 49 homes, 48 low-income · 1 bd: 8 · 2 bd: 24 · 3 bd: 16 · In service since 2001
  • Gering Valley Estates 566 7th St, Gering 69341 28 low-income homes · In service since 2011
  • Grey Eagle Apartments 400 K St, Gering 69341 24 low-income homes · For older adults (308) 436-5044
  • Randall Court 1200 Sage St, Gering 69341 12 low-income homes · For people with disabilities (308) 635-1488

See all 16 buildings in Scotts Bluff County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Gering

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 Scotts Bluff County. The nearest ones are below; many serve by phone or online.

A man leans over the armchair where a girl is reading a book.

HUD counseling is free or low-cost

Assistance programs in Gering

No down payment, repair or rent-help program on our list is for Gering or Scotts Bluff County. The ones below are statewide in Nebraska: they work in Gering 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 Gering

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

  • High Plains Community Development Corporation

    803 E 3rd St Ste 4, Chadron · 77 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    (308) 432-4346

  • Blue Valley Community Action Partnership

    620 5th St, Fairbury · 358 miles away

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

  • Neighborhoods, Inc. DBA Neighborworks Lincoln

    2530 Q St, Lincoln · 369 miles away

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

All counseling agencies in Nebraska

Help in Spanish near Gering

None of the 3 agencies on this list say they serve 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 Gering

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

  • Scotts Bluff County Housing Authority Public housing and Section 8 vouchers (308) 632-0473

All housing agencies in Nebraska Source: HUD

Cities

Other cities in Scotts Bluff County

These cities are also in Scotts Bluff County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Scotts Bluff County Housing in Nebraska

Nearby cities

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

Neighboring counties

If Scotts Bluff 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 Gering.

All guides
Three generations of a family gather on the porch of their home.

Questions

Housing questions about Gering

Short answers with the numbers for Gering and all of Scotts Bluff 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 Gering?

The typical home value in Gering is $186,500, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Scotts Bluff County it is $168,500.

How much does it cost to rent in Gering?

Typical rent in Gering is $823 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Scotts Bluff County is $1,023.

What is the FHA loan limit in Gering?

Gering uses the FHA limit for all of Scotts Bluff 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 Gering?

The typical homeowner in Gering pays $2,955 a year, according to the U.S. Census Bureau. That is 1.58% of the home’s value; in Scotts Bluff County, the rate is 1.48%.

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

We found no HUD-approved counseling agencies with an office in Scotts Bluff 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).