In Hastings, a typical home is worth $184,700 and typical rent is $858 a month. Compared with all of Adams County, typical household income is 6% lower.
Typical home value from Zillow, September 2021 to September 2026: from $162,788 to $201,848.
Typical rent
$1,209a month
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Hastings is in Adams 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 Adams County. See the county
What homes there are in Hastings, 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
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Hastings
Adams County
Nebraska
United States
Kind of home: Hastings and its comparisons
Measure
Hastings
Adams County
Nebraska
United States
Detached house
67%
72%
71%
61%
Attached house
6%
5%
4%
6%
Building of 2 to 4
12%
10%
4%
8%
Apartments (5 or more)
11%
9%
17%
19%
Mobile home
5%
5%
3%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
The detached house is still the most common home in Hastings, but it weighs less than in Adams County: 67% against 72%.
Year built
Before 19601960–19791980–19992000–20092010 or later
Hastings
Adams County
Nebraska
United States
Year built: Hastings and its comparisons
Measure
Hastings
Adams County
Nebraska
United States
Before 1960
46%
44%
32%
26%
1960–1979
24%
25%
25%
24%
1980–1999
15%
16%
20%
25%
2000–2009
7%
8%
12%
14%
2010 or later
8%
8%
11%
11%
The typical year built in Hastings is 1964, about the same as in Adams County (1967).
There are fewer big homes in Hastings than in Adams County: 59% have 3 bedrooms or more, against 62%.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limitUnreliable estimate
Under $100K19%
$100K–$200K36%
$200K–$300K25%
$300K–$500K15%
$500K–$750K4%
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Hastings and its comparisons
Measure
Hastings
Under $100K
19%
$100K–$200K
36%
$200K–$300K
25%
$300K–$500K
15%
$500K–$750K
4%
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
About 96% of owner-occupied homes in Hastings are worth less than the FHA loan limit for Adams County ($541,287).
Monthly rent with utilities
Under the limitOver the limitUnreliable estimate
Under $50012%
$500–$99955%
$1,000–$1,49929%
HUD fair market rent, 2 bedrooms: $1,014
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Hastings and its comparisons
Measure
Hastings
Under $500
12%
$500–$999
55%
$1,000–$1,499
29%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
HUD's 2-bedroom fair market rent (FMR) for Adams County is $1,014; about 68% of rents in Hastings are below it.
With a mortgage
$1,431 a month
Adams County: $1,464 a month
Without a mortgage
$641 a month
Adams County: $639 a month
Owners with a mortgage
55%
Adams County: 52%
Owning costs about the same in Hastings as in Adams County: with a mortgage, $1,431 a month; without one, $641.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Hastings+54%
Adams County+50%
Nebraska+53%
United States+53%
Typical rent
Hastings+20%
Adams County+19%
Nebraska+29%
United States+33%
Typical household income
Hastings+32%
Adams County+29%
Nebraska+25%
United States+29%
Change since 2015–2019: Hastings and its comparisons
Measure
Hastings
Adams County
Nebraska
United States
Typical home value
+54%
+50%
+53%
+53%
Typical rent
+20%
+19%
+29%
+33%
Typical household income
+32%
+29%
+25%
+29%
From 2015–2019 to 2020–2024, the typical home value in Hastings rose 54%; in Adams County, it rose 50%.
Much as in Adams County, the typical rent in Hastings rose 20% since 2015–2019.
The typical household income in Hastings rose 32% over that time; home values changed +54% and rent +20%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Hastings and its comparisons
Measure
Hastings
Adams County
Nebraska
United States
Rental vacancy
8.8%
8.7%
4.3%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
0.6%
0.9%
More than one person per room
Unreliable estimate
Unreliable estimate
2.1%
3.4%
People per household
2.24
2.28
2.42
2.53
Drive alone
82%
82%
76%
69%
Carpool
10%
9%
9%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
4%
4%
3%
3%
Work from home
4%
5%
11%
15%
Other means
Unreliable estimate
Unreliable estimate
1%
2%
Typical commute
10 to 19 minutes
10 to 19 minutes
10 to 19 minutes
20 to 29 minutes
Much as in Adams County, the rental vacancy rate in Hastings is 8.8%.
Much as in Adams County, a household in Hastings has 2.24 people on average.
The car rules in Hastings: 82% of workers drive to work alone, and the typical trip takes 10 to 19 minutes.
Do the math
What would you pay each month for a home in Hastings?
A typical home is tight for the typical income
We start with a typical home in Hastings, worth $184,700, 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 Hastings, which is $64,048 a year. For that payment to be 28% of income, a household would need to earn about $69,610 a year.
The calculator's FHA and conventional loan limits are those of all of Adams County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Hastings. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $6,465 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$1,624
at 7.18% · 30 years
Loan amount
$181,354
Total interest
$260,926
Paid off in
November 2056
Includes $3,119 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,494 a month
Tight
$1,494 to $1,921 a month
Your payment · 30%
Hard
more than $1,921 a month
Compared with the typical household income in Hastings ($64,048 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,229
Property tax
$237
Home insurance
$77
FHA mortgage insurance (MIP)
$82
You need at least $6,465 for the down payment, plus closing costs.
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.
Total monthly payment $1,624; principal and interest $1,229.
The city and its county
Hastings and Adams County
Hastings is in Adams 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).
Hastings
Map of Adams County, Nebraska, with Hastings marked. Around it, the neighboring counties.
Hastings
Adams County
Hastings's own numbers
Typical home value
$184,700
Typical monthly rent
$858
Typical yearly household income
$64,048
Households that own their home
65%
Effective property tax rate
1.54%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Adams County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,014
Price change over 5 years (FHFA)
+50%
Homes in a high flood-risk zone
2.7%
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 Adams County.
A typical home in Hastings is worth $184,700: 4% below the county and 23% below Nebraska. With the typical household income in Hastings ($64,048 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.
Hastings2.9 years
Adams2.8 years
Nebraska3.1 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Adams County
According to FHFA’s house price index, home prices in Adams County rose 86% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Adams County.
Yearly change in FHFA’s price index in Adams County, 2016 to 2025
2016: +5.8% +5.8% 2016
2017: +5.1% +5.1% 2017
2018: +3.6% +3.6% 2018
2019: +4.3% +4.3% 2019
2020: +3.4% +3.4% 2020
2021: +8.6% +8.6% 2021
2022: +16.8% +16.8% 2022
2023: +5.4% +5.4% 2023
2024: +7.6% +7.6% 2024
2025: +4.1% +4.1% 2025
Change in FHFA’s price index in Adams County, Nebraska and the United States
Period
County
Nebraska
U.S.
Last year (2025)
+4.1%
+3.3%
+2.9%
5 years (2020–2025)
+50%
+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
Hastings next to Adams 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
Hastings$184,700
Adams$193,100
Nebraska$238,600
United States$332,700
Typical monthly rent
Hastings$858
Adams$857
Nebraska$1,072
United States$1,413
Typical yearly household income
Hastings$64,048
Adams$68,365
Nebraska$76,475
United States$80,734
See the full table
Hastings next to Adams County and Nebraska
Measure
Hastings
Adams County
Nebraska
U.S.
Typical home value
$184,700 ▼4% below the county
$193,100
$238,600
$332,700
Typical monthly rent
$858
$857
$1,072
$1,413
Typical yearly household income
$64,048 ▼6% below the county
$68,365
$76,475
$80,734
Households that own their home
65% ▼5 points below the county
70%
67%
65%
Typical yearly property tax
$2,846
$2,793
$3,549
$3,119
Effective property tax rate
1.54% ▲0.09 points above the county
1.45%
1.49%
0.94%
Renters with high rent for their income
53% ▲1 points above the county
52%
45%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Adams 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 Hastings
For a typical $184,700 home in Hastings, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Hastings's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,624a month
Least cash to close
Down payment
$6,465
Cash to close
$12,006
Rate
7.18%
Mortgage insurance
FHA MIP · $82
Conventional, 5% down$1,590a month
Down payment
$9,235
Cash to close
$14,776
Rate
7.18%
Mortgage insurance
PMI · $88
Conventional, 20% down, no PMI$1,315a month
Down payment
$36,940
Cash to close
$42,481
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,486a month
Down payment
$27,705
Cash to close
$33,246
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Hastings
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,624
$6,465
$181,355
7.18%
FHA MIP · $82
$12,006
580
Conventional, 5% down
$1,590
$9,235
$175,465
7.18%
PMI · $88
$14,776
620*
Conventional, 20% down, no PMI
$1,315
$36,940
$147,760
7.18%
None
$42,481
620*
ITIN, 15% down (example)
$1,486
$27,705
$156,995
8.18%
None
$33,246
Set by the lender
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.
Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Hastings and for Adams County.
Property tax
Effective rate in Hastings
1.54%of the home’s value each year
$2,846 a year for the typical owner in Hastings.
Hastings1.54%
Adams1.45%
Nebraska1.49%
What Nebraska publishesHomestead exemption for seniors, people with disabilities and veterans (Nebraska Department of Revenue, Property Assessment Division)
Typical rent in Hastings is $858 a month: about the same as the county. In Hastings, 53% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Adams County, by unit size. To pay the 2-bedroom one ($1,014 a month) without spending more than 30% of your income, you would need to earn $19.50 an hour working full time.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Adams County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$779
$14.98
$31,160
1 bedroom
$867
$16.67
$34,680
2 bedrooms
$1,014
$19.50
$40,560
3 bedrooms
$1,328
$25.54
$53,120
4 bedrooms
$1,333
$25.63
$53,320
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 Hastings
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Hastings is in ZIP code 68901.
For 2 bedrooms it is $1,100: $86 more than the fair market rent for Adams County ($1,014).
Fair market rent by ZIP code and size in Hastings, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
68901
$810
$910
$1,100
$1,390
$1,810
ZIP code2 bd3 bd
68901 $1,100$1,390
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Hastings 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 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
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 Adams County. The nearest ones are below; many serve by phone or online.
No down payment, repair or rent-help program on our list is for Hastings or Adams County. The ones below are statewide in Nebraska: they work in Hastings the same as in the rest of the state.
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).
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).
No legal help resource on our list is for Hastings or Adams County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Hastings and all of Adams 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 Hastings?
The typical home value in Hastings is $184,700, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Adams County it is $193,100.
How much does it cost to rent in Hastings?
Typical rent in Hastings is $858 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Adams County is $1,014.
What is the FHA loan limit in Hastings?
Hastings uses the FHA limit for all of Adams 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 Hastings?
The typical homeowner in Hastings pays $2,846 a year, according to the U.S. Census Bureau. That is 1.54% of the home’s value; in Adams County, the rate is 1.45%.
Where can I find free help to buy or rent in Hastings?
We found no HUD-approved counseling agencies with an office in Adams County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
