In Papillion, a typical home is worth $311,000 and typical rent is $1,269 a month. Compared with all of Sarpy County, typical household income is 8% higher.
Typical home value from Zillow, September 2021 to September 2026: from $341,493 to $412,736.
Typical rent
$1,659a month
= about the same as 12 months ago
Typical rent from Zillow, September 2021 to September 2026: from $1,270 to $1,659.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Papillion 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
What this place has that others do not, from public data, most unusual first.
1
Papillion has the 2nd highest typical household income of the 34 cities in Nebraska with more than 5,000 people ($111,679).
2
Papillion has the 2nd highest typical home value of the 33 cities in Nebraska with more than 5,000 people ($311,000).
3
Nearby, in Ralston, the typical home value is $230,800: 26% less than in Papillion ($311,000).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Papillion
What homes there are in Papillion, 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
Papillion
Sarpy County
Nebraska
United States
Kind of home: Papillion and its comparisons
Measure
Papillion
Sarpy County
Nebraska
United States
Detached house
78%
73%
71%
61%
Attached house
3%
5%
4%
6%
Building of 2 to 4
Unreliable estimate
2%
4%
8%
Apartments (5 or more)
17%
19%
17%
19%
Mobile home
Unreliable estimate
1%
3%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
In Papillion, 8 in 10 homes are single-family detached houses; in Sarpy County, 7.
Year built
Before 19601960–19791980–19992000–20092010 or later
Papillion
Sarpy County
Nebraska
United States
Year built: Papillion and its comparisons
Measure
Papillion
Sarpy County
Nebraska
United States
Before 1960
6%
7%
32%
26%
1960–1979
20%
21%
25%
24%
1980–1999
47%
27%
20%
25%
2000–2009
19%
23%
12%
14%
2010 or later
7%
22%
11%
11%
Homes in Papillion are older: the typical year built is 1991; in Sarpy County, 1996.
There is more room for a big family here: 76% of homes have 3 bedrooms or more, against 73% in Sarpy County.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200K8%
$200K–$300K37%
$300K–$500K49%
$500K–$750K4%
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Papillion and its comparisons
Measure
Papillion
Under $100K
Unreliable estimate
$100K–$200K
8%
$200K–$300K
37%
$300K–$500K
49%
$500K–$750K
4%
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
Monthly rent with utilities
Under the limitOver the limitUnreliable estimate
Under $5009%
$500–$99922%
$1,000–$1,49933%
HUD fair market rent, 2 bedrooms: $1,450
$1,500–$1,99918%
$2,000–$2,49911%
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Papillion and its comparisons
Measure
Papillion
Under $500
9%
$500–$999
22%
$1,000–$1,499
33%
$1,500–$1,999
18%
$2,000–$2,499
11%
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
About 61% of rented homes in Papillion cost less than HUD's 2-bedroom fair market rent for Sarpy County ($1,450); the rest cost more.
With a mortgage
$2,069 a month
Sarpy County: $2,081 a month
Without a mortgage
$918 a month
Sarpy County: $868 a month
Owners with a mortgage
67%
Sarpy County: 72%
Owning costs about the same in Papillion as in Sarpy County: with a mortgage, $2,069 a month; without one, $918.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Papillion+64%
Sarpy County+61%
Nebraska+53%
United States+53%
Typical rent
Papillion+38%
Sarpy County+33%
Nebraska+29%
United States+33%
Typical household income
Papillion+39%
Sarpy County+26%
Nebraska+25%
United States+29%
Change since 2015–2019: Papillion and its comparisons
Measure
Papillion
Sarpy County
Nebraska
United States
Typical home value
+64%
+61%
+53%
+53%
Typical rent
+38%
+33%
+29%
+33%
Typical household income
+39%
+26%
+25%
+29%
Since 2015–2019, homes in Papillion gained value faster than in Sarpy County: 64% against 61%.
Rents in Papillion rose faster than in Sarpy County: 38% since 2015–2019, against 33%.
The typical household income in Papillion rose 39% over that time; home values changed +64% and rent +38%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Papillion and its comparisons
Measure
Papillion
Sarpy County
Nebraska
United States
Rental vacancy
Unreliable estimate
3.9%
4.3%
5.5%
Homeowner vacancy
Unreliable estimate
0.8%
0.6%
0.9%
More than one person per room
Unreliable estimate
1.4%
2.1%
3.4%
People per household
2.58
2.65
2.42
2.53
Drive alone
78%
78%
76%
69%
Carpool
6%
7%
9%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
1%
3%
3%
Work from home
15%
14%
11%
15%
Other means
Unreliable estimate
1%
1%
2%
Typical commute
20 to 29 minutes
20 to 29 minutes
10 to 19 minutes
20 to 29 minutes
A household in Papillion has 2.58 people on average, about the same as in Sarpy County (2.65).
To get to work, 78% of workers in Papillion drive alone; in Sarpy County, 78%.
Do the math
What would you pay each month for a home in Papillion?
A typical home is tight for the typical income
We start with a typical home in Papillion, worth $311,000, 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 Papillion, which is $111,679 a year. For that payment to be 28% of income, a household would need to earn about $119,543 a year.
The calculator's FHA and conventional loan limits are those of all of Sarpy 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 Papillion. 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 $10,885 (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
$2,789
at 7.18% · 30 years
Loan amount
$305,367
Total interest
$439,351
Paid off in
November 2056
Includes $5,252 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,606 a month
Tight
$2,606 to $3,350 a month
Your payment · 30%
Hard
more than $3,350 a month
Compared with the typical household income in Papillion ($111,679 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$2,069
Property tax
$454
Home insurance
$130
FHA mortgage insurance (MIP)
$138
You need at least $10,885 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 $2,789; principal and interest $2,069.
The city and its county
Papillion and Sarpy County
Papillion 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).
Papillion
Map of Sarpy County, Nebraska, with Papillion marked. Around it, the neighboring counties.
Papillion
Sarpy County
Other cities with a page
Papillion's own numbers
Typical home value
$311,000
Typical monthly rent
$1,269
Typical yearly household income
$111,679
Households that own their home
74%
Effective property tax rate
1.75%
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.
A typical home in Papillion is worth $311,000: about the same as the county and 30% above Nebraska. With the typical household income in Papillion ($111,679 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.
Papillion2.8 years
Sarpy3.0 years
Nebraska3.1 years
United States4.1 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.
Yearly change in FHFA’s price index in Sarpy County, 2016 to 2025
2016: +4.2% +4.2% 2016
2017: +5.1% +5.1% 2017
2018: +6.1% +6.1% 2018
2019: +4.9% +4.9% 2019
2020: +3.4% +3.4% 2020
2021: +10.5% +10.5% 2021
2022: +14.6% +14.6% 2022
2023: +9.1% +9.1% 2023
2024: +3.8% +3.8% 2024
2025: +3.1% +3.1% 2025
Change in FHFA’s price index in Sarpy County, Nebraska and the United States
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
Papillion 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
Papillion$311,000
Sarpy$314,100
Nebraska$238,600
United States$332,700
Typical monthly rent
Papillion$1,269
Sarpy$1,334
Nebraska$1,072
United States$1,413
Typical yearly household income
Papillion$111,679
Sarpy$103,321
Nebraska$76,475
United States$80,734
See the full table
Papillion next to Sarpy County and Nebraska
Measure
Papillion
Sarpy County
Nebraska
U.S.
Typical home value
$311,000
$314,100
$238,600
$332,700
Typical monthly rent
$1,269 ▼5% below the county
$1,334
$1,072
$1,413
Typical yearly household income
$111,679 ▲8% above the county
$103,321
$76,475
$80,734
Households that own their home
74% ▲4 points above the county
70%
67%
65%
Typical yearly property tax
$5,445
$5,473
$3,549
$3,119
Effective property tax rate
1.75% ▲0.01 points above the county
1.74%
1.49%
0.94%
Renters with high rent for their income
43% ▼1 points below the county
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 Papillion
For a typical $311,000 home in Papillion, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Papillion's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$2,789a month
Least cash to close
Down payment
$10,885
Cash to close
$20,215
Rate
7.18%
Mortgage insurance
FHA MIP · $138
Conventional, 5% down$2,732a month
Down payment
$15,550
Cash to close
$24,880
Rate
7.18%
Mortgage insurance
PMI · $148
Conventional, 20% down, no PMI$2,269a month
Down payment
$62,200
Cash to close
$71,530
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,556a month
Down payment
$46,650
Cash to close
$55,980
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Papillion
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$2,789
$10,885
$305,367
7.18%
FHA MIP · $138
$20,215
580
Conventional, 5% down
$2,732
$15,550
$295,450
7.18%
PMI · $148
$24,880
620*
Conventional, 20% down, no PMI
$2,269
$62,200
$248,800
7.18%
None
$71,530
620*
ITIN, 15% down (example)
$2,556
$46,650
$264,350
8.18%
None
$55,980
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 Papillion and for Sarpy County.
Property tax
Effective rate in Papillion
1.75%of the home’s value each year
$5,445 a year for the typical owner in Papillion.
Papillion1.75%
Sarpy1.74%
Nebraska1.49%
What Nebraska publishesHomestead exemption for seniors, people with disabilities and veterans (Nebraska Department of Revenue, Property Assessment Division)
Typical rent in Papillion is $1,269 a month: 5% below the county. In Papillion, 43% 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.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Sarpy County (Fiscal year 2027)
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 Papillion
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Papillion has 2 ZIP codes with their own.
For 2 bedrooms it runs from $1,430 in 68138 to $1,560 in 68046.
1 of the 2 is above the fair market rent for Sarpy County ($1,450).
Fair market rent by ZIP code and size in Papillion, fiscal year 2027.
68046
$1,260
$1,310
$1,560
$2,070
$2,340
68138
$1,150
$1,200
$1,430
$1,900
$2,150
ZIP code2 bd3 bd
68046 $1,560$2,070
68138 $1,430$1,900
2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Papillion 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.
There is 1 HUD-approved agency with an office in Sarpy County; 1 says it serves in Spanish.
No down payment, repair or rent-help program on our list is for Papillion or Sarpy County. The ones below are statewide in Nebraska: they work in Papillion 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 Papillion or Sarpy 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 Papillion 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 Papillion?
The typical home value in Papillion is $311,000, 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 Papillion?
Typical rent in Papillion is $1,269 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 Papillion?
Papillion 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 Papillion?
The typical homeowner in Papillion pays $5,445 a year, according to the U.S. Census Bureau. That is 1.75% of the home’s value; in Sarpy County, the rate is 1.74%.
Where can I find free help to buy or rent in Papillion?
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.
