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City · 9,193 residents · Sarpy County, Nebraska

Gretna , Nebraska

In Gretna, a typical home is worth $341,600 and typical rent is $1,540 a month. Compared with all of Sarpy County, typical household income is 20% higher and typical rent is 15% higher.

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  • Typical home value

    $341,600

    9% above the county

    43% above Nebraska

    • Gretna
    • Sarpy
    • Nebraska

  • Typical rent

    $1,540a month

    15% above the county

    44% above Nebraska

    • Gretna
    • Sarpy
    • Nebraska

  • Typical household income

    $123,992a year

    20% above the county

    62% above Nebraska

    • Gretna
    • Sarpy
    • Nebraska

  • Households that own their home

    75%

    5 points above the county

    9 points above Nebraska

    • Gretna
    • Sarpy
    • Nebraska

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

Market now, with Zillow data

Zillow data
Typical home value
$430,559
2.2% more than 12 months ago
Typical rent
$1,617 a month
8% more than 12 months ago

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

Gretna is in Sarpy 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 Sarpy County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Gretna apart

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

  1. Gretna has the highest homeownership rate of the 33 cities in Nebraska with more than 5,000 people: 75%.

  2. Gretna has the highest typical household income of the 34 cities in Nebraska with more than 5,000 people: $123,992.

  3. Gretna has the highest typical home value of the 33 cities in Nebraska with more than 5,000 people: $341,600.

  4. Gretna has the 2nd highest typical rent of the 34 cities in Nebraska with more than 5,000 people ($1,540).

  5. Gretna has the 2nd largest share of rent-burdened renters of the 33 cities in Nebraska with more than 5,000 people (57%).

  6. Nearby, in Ralston, the typical home value is $230,800: 32% less than in Gretna ($341,600).

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

The homes here

Housing in Gretna

What homes there are in Gretna, 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 Gretna, 8 in 10 homes are single-family detached houses; in Sarpy County, 7.

Year built

The typical home in Gretna was built in 2002, 6 years after the typical one in Sarpy County.

In Gretna, 77% of homes have 3 bedrooms or more, more than in Sarpy County (73%).

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
Monthly rent with utilities

With a mortgage

$2,163 a month

Sarpy County: $2,081 a month

Without a mortgage

$909 a month

Sarpy County: $868 a month

Owners with a mortgage

77%

Sarpy County: 72%

The typical cost for an owner with a mortgage in Gretna is $2,163 a month, near the figure in Sarpy County ($2,081).

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 Gretna rose 84% since 2015–2019, more than in Sarpy County (61%).

The typical rent in Gretna rose 59% over the same time; in Sarpy County, it rose 33%.

Housing prices ran ahead of income in Gretna: typical income rose 49%, against +84% for home values and +59% for rent.

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

MeasureGretnaSarpy CountyNebraskaUnited States
Rental vacancy Unreliable estimate3.9%4.3%5.5%
Homeowner vacancy Unreliable estimate0.8%0.6%0.9%
More than one person per room Unreliable estimate1.4%2.1%3.4%
People per household 2.822.652.422.53
Drive alone 78%78%76%69%
Carpool Unreliable estimate7%9%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate1%3%3%
Work from home 17%14%11%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimate20 to 29 minutes10 to 19 minutes20 to 29 minutes

On average, a household in Gretna has 2.82 people, more than in Sarpy County (2.65).

Working from home is more common in Gretna: 17%, against 14% in Sarpy County.

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 Gretna?

A typical home is tight for the typical income

We start with a typical home in Gretna, worth $341,600, 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 Gretna, which is $123,992 a year. For that payment to be 28% of income, a household would need to earn about $132,281 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Gretna. 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 $11,956 (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

$3,087

at 7.18% · 30 years

Loan amount
$335,413
Total interest
$482,580
Paid off in
November 2056

Includes $5,769 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,893 a month

  • Tight

    $2,893 to $3,720 a month

    Your payment · 30%

  • Hard

    more than $3,720 a month

Compared with the typical household income in Gretna ($123,992 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,087
Principal & interest$2,272
Property tax$521
Home insurance$142
FHA mortgage insurance (MIP)$151

You need at least $11,956 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

Gretna and Sarpy County

Gretna is in Sarpy 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).

Gretna's own numbers

Typical home value
$341,600
Typical monthly rent
$1,540
Typical yearly household income
$123,992
Households that own their home
75%
Effective property tax rate
1.83%

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

Numbers for all of Sarpy County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,450
Price change over 5 years (FHFA)
+48%
Homes in a high flood-risk zone
1.8%

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 Sarpy County.

Everything about Sarpy County

Buying

Buying a home in Gretna

A typical home in Gretna is worth $341,600: 9% above the county and 43% above Nebraska. With the typical household income in Gretna ($123,992 a year), a typical home costs 2.8 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.

  • Gretna 2.8 years
  • Sarpy 3.0 years
  • Nebraska 3.1 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Sarpy County

According to FHFA’s house price index, home prices in Sarpy County rose 86% in the 10 years through 2025.

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

Period County Nebraska U.S.
Last year (2025) +3.1% +3.3% +2.9%
5 years (2020–2025) +48% +49% +47%
10 years (2015–2025) +86% +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

Gretna next to Sarpy 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
  • Gretna $341,600
  • Sarpy $314,100
  • Nebraska $238,600
  • United States $332,700
Typical monthly rent
  • Gretna $1,540
  • Sarpy $1,334
  • Nebraska $1,072
  • United States $1,413
Typical yearly household income
  • Gretna $123,992
  • Sarpy $103,321
  • Nebraska $76,475
  • United States $80,734
See the full table
Gretna next to Sarpy County and Nebraska
Measure Gretna Sarpy County Nebraska U.S.
Typical home value $341,600 $314,100 $238,600 $332,700
Typical monthly rent $1,540 $1,334 $1,072 $1,413
Typical yearly household income $123,992 $103,321 $76,475 $80,734
Households that own their home 75% 70% 67% 65%
Typical yearly property tax $6,260 $5,473 $3,549 $3,119
Effective property tax rate 1.83% 1.74% 1.49% 0.94%
Renters with high rent for their income 57% 44% 45% 51%

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

For a typical $341,600 home in Gretna, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Gretna's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,087a month

    Least cash to close
    Down payment
    $11,956
    Cash to close
    $22,204
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $151

  • Conventional, 5% down $3,024a month

    Down payment
    $17,080
    Cash to close
    $27,328
    Rate
    7.18%
    Mortgage insurance
    PMI · $162

  • Conventional, 20% down, no PMI $2,515a month

    Down payment
    $68,320
    Cash to close
    $78,568
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,830a month

    Down payment
    $51,240
    Cash to close
    $61,488
    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 Gretna and for Sarpy County.

Property tax

Effective rate in Gretna

1.83%of the home’s value each year

$6,260 a year for the typical owner in Gretna.

  • Gretna 1.83%
  • Sarpy 1.74%
  • 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 Sarpy County

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

Homes in the high-risk zone
1.8%
1,076
Of those, with NFIP insurance
36%
County Nebraska U.S.
Homes in the high-risk zone 1.8% 3.5% 3.5%
Of those, with NFIP insurance 36% 15% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Gretna

Typical rent in Gretna is $1,540 a month: 15% above the county. In Gretna, 57% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Sarpy County, by unit size. To pay the 2-bedroom one ($1,450 a month) without spending more than 30% of your income, you would need to earn $27.88 an hour working full time.

HUD fair market rent for all of Sarpy 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 $1,167 $22.44 $46,680
1 bedroom $1,219 $23.44 $48,760
2 bedrooms $1,450 $27.88 $58,000
3 bedrooms $1,924 $37.00 $76,960
4 bedrooms $2,179 $41.90 $87,160

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 Gretna

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Gretna is in ZIP code 68028.

For 2 bedrooms it is $1,830: $380 more than the fair market rent for Sarpy County ($1,450).

  • 68028 $1,830$2,430

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

HUD lists 3 buildings with rents for lower incomes in Gretna. These are the largest.

  • Gretna Apts 202 E Glenmore Dr, Gretna 68028 24 low-income homes · In service since 1994
  • North Park Apartments 510 Chestnut Dr, Gretna 68028 16 low-income homes · For families (402) 332-4955
  • Gretna Crown 21113 Paradise Dr, Gretna 68028 15 low-income homes · 4 bd: 15 · In service since 2009

See all 28 buildings in Sarpy County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Gretna

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.

There is 1 HUD-approved agency with an office in Sarpy County; 1 says it serves in Spanish.

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

HUD counseling is free or low-cost

Assistance programs in Gretna

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

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

  • Credit Advisors Foundation

    1818 S. 72nd Street, Omaha · 12 miles away · Spanish

    Also serves in Korean and other languages.

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

  • Credit Advisors Foundation

    1818 S 72nd St, Omaha · 12 miles away · Spanish

    Also serves in Korean and other languages.

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 9 more
    (402) 514-3340

  • Credit Advisors Foundation

    1818 S 72nd St, Omaha · 12 miles away · Spanish

    Also serves in Korean and other languages.

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 9 more
    (402) 393-3100

Every agency in Sarpy County All counseling agencies in Nebraska

Help in Spanish near Gretna

3 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 Gretna

In HUD’s record, no housing authority with an office in Sarpy County is named for Gretna or Sarpy County.

One other authority has an office in Sarpy County: see the list Source: HUD

Cities

Other cities in Sarpy County

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

Everything about Sarpy County Housing in Nebraska

Nearby cities

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

Neighboring counties

If Sarpy 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 Gretna.

All guides
Three women of one family lean in together to stir the pan.

Questions

Housing questions about Gretna

Short answers with the numbers for Gretna and all of Sarpy 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 Gretna?

The typical home value in Gretna is $341,600, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Sarpy County it is $314,100.

How much does it cost to rent in Gretna?

Typical rent in Gretna is $1,540 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Sarpy County is $1,450.

What is the FHA loan limit in Gretna?

Gretna uses the FHA limit for all of Sarpy 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 Gretna?

The typical homeowner in Gretna pays $6,260 a year, according to the U.S. Census Bureau. That is 1.83% of the home’s value; in Sarpy County, the rate is 1.74%.

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

There is 1 HUD-approved counseling agency with an office in Sarpy County. 1 says it serves in Spanish. 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).