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City · 22,831 residents · Lincoln County, Nebraska

North Platte , Nebraska

In North Platte, a typical home is worth $169,100 and typical rent is $921 a month. Compared with all of Lincoln County, typical household income is 11% lower, the typical home value is 11% lower, and the share of households that own their home is 7 points lower.

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  • Typical home value

    $169,100

    11% below the county

    29% below Nebraska

    • North Platte
    • Lincoln
    • Nebraska

  • Typical rent

    $921a month

    2% above the county

    14% below Nebraska

    • North Platte
    • Lincoln
    • Nebraska

  • Typical household income

    $58,097a year

    11% below the county

    24% below Nebraska

    • North Platte
    • Lincoln
    • Nebraska

  • Households that own their home

    59%

    7 points below the county

    8 points below Nebraska

    • North Platte
    • Lincoln
    • Nebraska

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

Market now, with Zillow data

Zillow data
Typical home value
$217,300
6.8% more than 12 months ago
Typical rent
$1,063 a month

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

North Platte is in Lincoln 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 Lincoln County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets North Platte apart

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

  1. According to Zillow, in the 12 months to September 2026 the typical home value in North Platte rose 6.8%; in Nebraska, it rose 3%.

  2. Nearby, in Sidney, the typical home value is $139,400: 18% less than in North Platte ($169,100).

  3. 59% of households in North Platte own their home, against 66% in Lincoln County.

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

The homes here

Housing in North Platte

What homes there are in North Platte, 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

The detached house is still the most common home in North Platte, but it weighs less than in Lincoln County: 69% against 75%.

Year built

The typical home in North Platte was built in 1966, 4 years before the typical one in Lincoln County.

Homes in North Platte are smaller: 53% have 3 bedrooms or more; in Lincoln County, 60%.

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 99% of owner-occupied homes in North Platte are worth less than $500,000, below the FHA loan limit for Lincoln County ($541,287).

Monthly rent with utilities

About 67% of rented homes in North Platte cost less than HUD's 2-bedroom fair market rent for Lincoln County ($1,099).

With a mortgage

$1,427 a month

Lincoln County: $1,504 a month

Without a mortgage

$578 a month

Lincoln County: $609 a month

Owners with a mortgage

56%

Lincoln County: 54%

Owning costs less in North Platte: with a mortgage, the typical cost is $1,427 a month; in Lincoln County, $1,504. Without one, $578.

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

Since 2015–2019, homes in North Platte gained value faster than in Lincoln County: 42% against 36%.

Much as in Lincoln County, the typical rent in North Platte rose 22% since 2015–2019.

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

MeasureNorth PlatteLincoln 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 2.132.232.422.53
Drive alone 87%86%76%69%
Carpool 6%6%9%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike 3%3%3%3%
Work from home 2%4%11%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute 10 to 19 minutes10 to 19 minutes10 to 19 minutes20 to 29 minutes

Much as in Lincoln County, a household in North Platte has 2.13 people on average.

To get to work, 87% of workers in North Platte drive alone; in Lincoln County, 86%.

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 North Platte?

A typical home is tight for the typical income

We start with a typical home in North Platte, worth $169,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 31% of the typical household income in North Platte, which is $58,097 a year. For that payment to be 28% of income, a household would need to earn about $63,852 a year.

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

Your numbers

Local data
$

Starts at the typical home value in North Platte. 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 $5,919 (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

$1,490

at 7.18% · 30 years

Loan amount
$166,037
Total interest
$238,888
Paid off in
November 2056

Includes $2,856 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,356 a month

  • Tight

    $1,356 to $1,743 a month

    Your payment · 31%

  • Hard

    more than $1,743 a month

Compared with the typical household income in North Platte ($58,097 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,490
Principal & interest$1,125
Property tax$220
Home insurance$71
FHA mortgage insurance (MIP)$75

You need at least $5,919 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

North Platte and Lincoln County

North Platte is in Lincoln 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).

North Platte's own numbers

Typical home value
$169,100
Typical monthly rent
$921
Typical yearly household income
$58,097
Households that own their home
59%
Effective property tax rate
1.56%

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

Numbers for all of Lincoln County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,099
Price change over 5 years (FHFA)
+46%
Homes in a high flood-risk zone
5.6%

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 Lincoln County.

Everything about Lincoln County

Buying

Buying a home in North Platte

A typical home in North Platte is worth $169,100: 11% below the county and 29% below Nebraska. With the typical household income in North Platte ($58,097 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.

  • North Platte 2.9 years
  • Lincoln 2.9 years
  • Nebraska 3.1 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Lincoln County

According to FHFA’s house price index, home prices in Lincoln County rose 63% in the 10 years through 2025.

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

Period County Nebraska U.S.
Last year (2025) +3.5% +3.3% +2.9%
5 years (2020–2025) +46% +49% +47%
10 years (2015–2025) +63% +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

North Platte next to Lincoln 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
  • North Platte $169,100
  • Lincoln $189,500
  • Nebraska $238,600
  • United States $332,700
Typical monthly rent
  • North Platte $921
  • Lincoln $900
  • Nebraska $1,072
  • United States $1,413
Typical yearly household income
  • North Platte $58,097
  • Lincoln $65,148
  • Nebraska $76,475
  • United States $80,734
See the full table
North Platte next to Lincoln County and Nebraska
Measure North Platte Lincoln County Nebraska U.S.
Typical home value $169,100 $189,500 $238,600 $332,700
Typical monthly rent $921 $900 $1,072 $1,413
Typical yearly household income $58,097 $65,148 $76,475 $80,734
Households that own their home 59% 66% 67% 65%
Typical yearly property tax $2,631 $2,788 $3,549 $3,119
Effective property tax rate 1.56% 1.47% 1.49% 0.94%
Renters with high rent for their income 48% 44% 45% 51%

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

For a typical $169,100 home in North Platte, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, North Platte's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,490a month

    Least cash to close
    Down payment
    $5,919
    Cash to close
    $10,992
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $75

  • Conventional, 5% down $1,459a month

    Down payment
    $8,455
    Cash to close
    $13,528
    Rate
    7.18%
    Mortgage insurance
    PMI · $80

  • Conventional, 20% down, no PMI $1,207a month

    Down payment
    $33,820
    Cash to close
    $38,893
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,363a month

    Down payment
    $25,365
    Cash to close
    $30,438
    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 North Platte and for Lincoln County.

Property tax

Effective rate in North Platte

1.56%of the home’s value each year

$2,631 a year for the typical owner in North Platte.

  • North Platte 1.56%
  • Lincoln 1.47%
  • 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 Lincoln County

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

Homes in the high-risk zone
5.6%
964
Of those, with NFIP insurance
9.5%
County Nebraska U.S.
Homes in the high-risk zone 5.6% 3.5% 3.5%
Of those, with NFIP insurance 9.5% 15% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in North Platte

Typical rent in North Platte is $921 a month: 2% above the county. In North Platte, 48% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Lincoln County, by unit size. To pay the 2-bedroom one ($1,099 a month) without spending more than 30% of your income, you would need to earn $21.13 an hour working full time.

HUD fair market rent for all of Lincoln 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 $835 $16.06 $33,400
1 bedroom $840 $16.15 $33,600
2 bedrooms $1,099 $21.13 $43,960
3 bedrooms $1,309 $25.17 $52,360
4 bedrooms $1,467 $28.21 $58,680

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 North Platte

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). North Platte is in ZIP code 69101.

For 2 bedrooms it is $1,110: $11 more than the fair market rent for Lincoln County ($1,099).

  • 69101 $1,110$1,320

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

HUD lists 17 buildings with rents for lower incomes in North Platte. These are the largest.

  • Scattered Sites 1004 E 10th St, North Platte 69101 150 low-income homes · Run by North Platte Housing Authority · Average payment: $547 a month · Average wait: 9 months · Homes at several sites (308) 534-4887
  • Buffalo Bill Manor 1200 S Oak St, North Platte 69101 111 homes, 110 low-income · For older adults (308) 534-2031
  • Autumn Park 901 Autumn Park Dr, North Platte 69101 100 homes, 99 low-income · Run by North Platte Housing Authority · Average payment: $394 a month · Average wait: 16 months (308) 534-4887
  • South Oak Manor 1100 S Oak St, North Platte 69101 82 low-income homes · For older adults (308) 532-1332
  • Platteview Apartments 302 W Leota St, North Platte 69101 64 low-income homes · For older adults (308) 534-9760

See all 19 buildings in Lincoln County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in North Platte

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 Lincoln 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 North Platte

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

The HUD-approved agencies closest to the center of North Platte, 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 · 165 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 · 199 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 · 213 miles away

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

All counseling agencies in Nebraska

Help in Spanish near North Platte

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 North Platte

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

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

Cities

Nearby cities

The cities closest to North Platte, with the typical home value.

Everything about Lincoln County Housing in Nebraska

Neighboring counties

If Lincoln 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 North Platte.

All guides
A father, a mother and their daughter smile among the avocado trees by their home in Somis, California.

Questions

Housing questions about North Platte

Short answers with the numbers for North Platte and all of Lincoln 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 North Platte?

The typical home value in North Platte is $169,100, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Lincoln County it is $189,500.

How much does it cost to rent in North Platte?

Typical rent in North Platte is $921 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Lincoln County is $1,099.

What is the FHA loan limit in North Platte?

North Platte uses the FHA limit for all of Lincoln 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 North Platte?

The typical homeowner in North Platte pays $2,631 a year, according to the U.S. Census Bureau. That is 1.56% of the home’s value; in Lincoln County, the rate is 1.47%.

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

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