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City · 14,376 residents · Scotts Bluff County, Nebraska

Scottsbluff , Nebraska

In Scottsbluff, a typical home is worth $137,700 and typical rent is $966 a month. Compared with all of Scotts Bluff County, the typical home value is 18% lower, typical household income is 11% lower, and the share of households that own their home is 10 points lower.

Scottsbluff in numbers

  • Typical home value

    $137,700

    18% below the county

    42% below Nebraska

    • Scottsbluff
    • Scotts Bluff
    • Nebraska
  • Typical rent

    $966a month

    6% above the county

    10% below Nebraska

    • Scottsbluff
    • Scotts Bluff
    • Nebraska
  • Typical household income

    $56,359a year

    11% below the county

    26% below Nebraska

    • Scottsbluff
    • Scotts Bluff
    • Nebraska
  • Households that own their home

    59%

    10 points below the county

    7 points below Nebraska

    • Scottsbluff
    • Scotts Bluff
    • Nebraska

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

Market now, with Zillow data

Zillow data
Typical home value
$185,788
3.4% more than 12 months ago
Typical home value from Zillow, September 2021 to September 2026: from $145,714 to $185,788.
Typical rent
$912 a month

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

Scottsbluff 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 Scottsbluff apart

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

  1. Scottsbluff has the lowest typical home value of the 33 cities in Nebraska with more than 5,000 people: $137,700.

  2. Nearby, in Alliance, the typical rent is $694: 28% less than in Scottsbluff ($966).

  3. Scottsbluff has the 3rd largest share of rent-burdened renters of the 33 cities in Nebraska with more than 5,000 people (54%).

  4. 59% of households in Scottsbluff own their home, against 69% in Scotts Bluff County.

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

The homes here

Housing in Scottsbluff

What homes there are in Scottsbluff, 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
Kind of home: Scottsbluff and its comparisons
MeasureScottsbluffScotts Bluff CountyNebraskaUnited States
Detached house 68%76%71%61%
Attached house 4%4%4%6%
Building of 2 to 4 9%7%4%8%
Apartments (5 or more) 14%8%17%19%
Mobile home 5%5%3%6%
Boat, RV and other Unreliable estimateUnreliable estimate0%0%

Detached houses are the majority in Scottsbluff (68%), but less so than in Scotts Bluff County (76%).

Year built
Year built: Scottsbluff and its comparisons
MeasureScottsbluffScotts Bluff CountyNebraskaUnited States
Before 1960 48%39%32%26%
1960–1979 27%35%25%24%
1980–1999 16%13%20%25%
2000–2009 5%9%12%14%
2010 or later 5%5%11%11%

The typical home in Scottsbluff was built in 1963, 6 years before the typical one in Scotts Bluff County.

There are fewer big homes in Scottsbluff than in Scotts Bluff County: 51% have 3 bedrooms or more, against 61%.

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
Value of owner-occupied homes: Scottsbluff and its comparisons
MeasureScottsbluff
Under $100K 34%
$100K–$200K 32%
$200K–$300K 21%
$300K–$500K 11%
$500K–$750K Unreliable estimate
$750K–$1M Unreliable estimate
$1M or more Unreliable

With an FHA limit of $541,287, at least 98% of owner-occupied homes in Scottsbluff sit below it: they are worth less than $500,000.

Monthly rent with utilities
Monthly rent with utilities: Scottsbluff and its comparisons
MeasureScottsbluff
Under $500 Unreliable estimate
$500–$999 52%
$1,000–$1,499 31%
$1,500–$1,999 6%
$2,000–$2,499 Unreliable estimate
$2,500–$2,999 Unreliable
$3,000 or more Unreliable estimate

With a mortgage

$1,298 a month

Scotts Bluff County: $1,497 a month

Without a mortgage

$573 a month

Scotts Bluff County: $592 a month

Owners with a mortgage

54%

Scotts Bluff County: 55%

In Scottsbluff, 54% of owners have a mortgage, and their typical cost is $1,298 a month, against $1,497 in Scotts Bluff County. Without one it drops to $573.

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
Change since 2015–2019: Scottsbluff and its comparisons
MeasureScottsbluffScotts Bluff CountyNebraskaUnited States
Typical home value +18%+32%+53%+53%
Typical rent +24%+19%+29%+33%
Typical household income +27%+28%+25%+29%

The typical home value in Scottsbluff rose 18% since 2015–2019, less than in Scotts Bluff County (32%).

The typical rent in Scottsbluff rose 24% over the same time; in Scotts Bluff County, it rose 19%.

The typical household income in Scottsbluff rose 27% over that time; home values changed +18% and rent +24%.

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

How people live: Scottsbluff and its comparisons
MeasureScottsbluffScotts 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 2.252.322.422.53
Drive alone 82%82%76%69%
Carpool 9%9%9%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike 2%2%3%3%
Work from home 6%6%11%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute Unreliable estimate10 to 19 minutes10 to 19 minutes20 to 29 minutes

Much as in Scotts Bluff County, a household in Scottsbluff has 2.25 people on average.

To get to work, 82% of workers in Scottsbluff 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 Scottsbluff?

A typical home is within reach of the typical income

We start with a typical home in Scottsbluff, worth $137,700, 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 Scottsbluff, which is $56,359 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 Scottsbluff. 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 $4,820 (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

$1,211

at 7.18% · 30 years

Loan amount
$135,205
Total interest
$194,529
Paid off in
November 2056

Includes $2,325 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,315 a month

    Your payment · 26%

  • Tight

    $1,315 to $1,691 a month

  • Hard

    more than $1,691 a month

Compared with the typical household income in Scottsbluff ($56,359 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,211
Monthly payment breakdown
Principal & interest$916
Property tax$177
Home insurance$57
FHA mortgage insurance (MIP)$61

You need at least $4,820 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 $1,211; principal and interest $916.

The city and its county

Scottsbluff and Scotts Bluff County

Scottsbluff 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).

Map of Scotts Bluff County, Nebraska, with Scottsbluff marked. Around it, the neighboring counties.

Scottsbluff's own numbers

Typical home value
$137,700
Typical monthly rent
$966
Typical yearly household income
$56,359
Households that own their home
59%
Effective property tax rate
1.54%

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 Scottsbluff

A typical home in Scottsbluff is worth $137,700: 18% below the county and 42% below Nebraska. With the typical household income in Scottsbluff ($56,359 a year), a typical home costs 2.4 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.

  • Scottsbluff 2.4 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.

Yearly change in FHFA’s price index in Scotts Bluff County, 2016 to 2025
  1. 2020: +0.2%
  2. 2021: +10.3%
  3. 2022: +11.4%
  4. 2023: +5.3%
  5. 2024: +5.0%
  6. 2025: +3.9%
Change in FHFA’s price index in Scotts Bluff County, Nebraska and the United States
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

Scottsbluff 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
  • Scottsbluff $137,700
  • Scotts Bluff $168,500
  • Nebraska $238,600
  • United States $332,700
Typical monthly rent
  • Scottsbluff $966
  • Scotts Bluff $909
  • Nebraska $1,072
  • United States $1,413
Typical yearly household income
  • Scottsbluff $56,359
  • Scotts Bluff $63,614
  • Nebraska $76,475
  • United States $80,734
See the full table
Scottsbluff next to Scotts Bluff County and Nebraska
Measure Scottsbluff Scotts Bluff County Nebraska U.S.
Typical home value $137,700 18% below the county $168,500 $238,600 $332,700
Typical monthly rent $966 6% above the county $909 $1,072 $1,413
Typical yearly household income $56,359 11% below the county $63,614 $76,475 $80,734
Households that own their home 59% 10 points below the county 69% 67% 65%
Typical yearly property tax $2,124 15% below the county $2,495 $3,549 $3,119
Effective property tax rate 1.54% 0.06 points above the county 1.48% 1.49% 0.94%
Renters with high rent for their income 54% 5 points above the county 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 Scottsbluff

For a typical $137,700 home in Scottsbluff, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Scottsbluff's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,211a month

    Least cash to close
    Down payment
    $4,820
    Cash to close
    $8,951
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $61
  • Conventional, 5% down $1,186a month

    Down payment
    $6,885
    Cash to close
    $11,016
    Rate
    7.18%
    Mortgage insurance
    PMI · $65
  • Conventional, 20% down, no PMI $980a month

    Down payment
    $27,540
    Cash to close
    $31,671
    Rate
    7.18%
    Mortgage insurance
    None
  • ITIN, 15% down (example) $1,108a month

    Down payment
    $20,655
    Cash to close
    $24,786
    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 Scottsbluff and for Scotts Bluff County.

Property tax

Effective rate in Scottsbluff

1.54%of the home’s value each year

$2,124 a year for the typical owner in Scottsbluff.

  • Scottsbluff 1.54%
  • 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 Scottsbluff

Typical rent in Scottsbluff is $966 a month: 6% above the county. In Scottsbluff, 54% 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.

HUD fair market rent in Scotts Bluff County (Fiscal year 2027)
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 Scottsbluff

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Scottsbluff is in ZIP code 69361.

For 2 bedrooms it is $1,060: $37 more than the fair market rent for Scotts Bluff County ($1,023).

  • 69361 $1,060$1,340

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Scottsbluff 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) (external site) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file (external site)

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Scottsbluff

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

  • Bluff View Manor 1011 15th Ave, Scottsbluff 69361 162 low-income homes · Run by Scotts Bluff County Housing Authority · Average payment: $358 a month · Average wait: 8 months (308) 632-0473
  • R C Scot Apartments 1409 E 17th St, Scottsbluff 69361 50 low-income homes · For older adults (308) 635-2904
  • Lincoln House 1423 Broadway, Scottsbluff 69361 35 low-income homes · 1 bd: 33 · 2 bd: 3 · In service since 1999
  • Carolann Apartments 1101 W 20th St, Scottsbluff 69361 32 low-income homes · For older adults (308) 635-1055
  • Cirrus House Apts 1501 E 18th St, Scottsbluff 69361 29 low-income homes · 1 bd: 29 · In service since 2003 · For people with disabilities

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

Free help

Help to buy or rent in Scottsbluff

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 smiles on a bench outside his apartment building.

HUD counseling is free or low-cost

Assistance programs in Scottsbluff

No down payment, repair or rent-help program on our list is for Scottsbluff or Scotts Bluff County. The ones below are statewide in Nebraska: they work in Scottsbluff the same as in the rest of the state.

  • 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).

  • 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 Scottsbluff

The HUD-approved agencies closest to the center of Scottsbluff, 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 · 75 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
  • Blue Valley Community Action Partnership

    620 5th St, Fairbury · 358 miles away

    • Budget and financial counseling
    • Budget and credit workshops
    • and 5 more
  • Neighborhoods, Inc. DBA Neighborworks Lincoln

    2530 Q St, Lincoln · 369 miles away

    • Workshops for new owners
    • Pre-purchase counseling
    • and 1 more

All counseling agencies in Nebraska

Help in Spanish near Scottsbluff

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 Scottsbluff

HUD’s record names them for Scottsbluff 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

Questions

Housing questions about Scottsbluff

Short answers with the numbers for Scottsbluff 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 Scottsbluff?

The typical home value in Scottsbluff is $137,700, 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 Scottsbluff?

Typical rent in Scottsbluff is $966 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 Scottsbluff?

Scottsbluff 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 Scottsbluff?

The typical homeowner in Scottsbluff pays $2,124 a year, according to the U.S. Census Bureau. That is 1.54% 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 Scottsbluff?

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).