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City · 6,419 residents · Cheyenne County, Nebraska

Sidney , Nebraska

In Sidney, a typical home is worth $139,400 and typical rent is $819 a month. Compared with all of Cheyenne County, typical household income is 9% lower and the share of households that own their home is 9 points lower.

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  • Typical home value

    $139,400

    About the same as the county

    42% below Nebraska

    • Sidney
    • Cheyenne
    • Nebraska

  • Typical rent

    $819a month

    About the same as the county

    24% below Nebraska

    • Sidney
    • Cheyenne
    • Nebraska

  • Typical household income

    $54,734a year

    9% below the county

    28% below Nebraska

    • Sidney
    • Cheyenne
    • Nebraska

  • Households that own their home

    58%

    9 points below the county

    9 points below Nebraska

    • Sidney
    • Cheyenne
    • Nebraska

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

Market now, with Zillow data

Zillow data
Typical home value
$175,292
6.8% more than 12 months ago

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

Sidney is in Cheyenne 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 Cheyenne County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Sidney apart

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

  1. Sidney has the 2nd lowest typical home value of the 33 cities in Nebraska with more than 5,000 people ($139,400).

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

  3. Sidney has the 3rd lowest typical household income of the 34 cities in Nebraska with more than 5,000 people ($54,734).

  4. Nearby, in Alliance, the typical rent is $694: 15% less than in Sidney ($819).

  5. 58% of households in Sidney own their home, against 67% in Cheyenne County.

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

The homes here

Housing in Sidney

What homes there are in Sidney, 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 houses are the majority in Sidney (70%), but less so than in Cheyenne County (76%).

Year built

By age, homes in Sidney look like those in Cheyenne County: the typical year built is 1959.

There are fewer big homes in Sidney than in Cheyenne County: 51% have 3 bedrooms or more, against 56%.

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

The FHA limit for Cheyenne County is high ($541,287): at least 99% of owner-occupied homes in Sidney are worth less than $500,000.

Monthly rent with utilities

With a mortgage

$1,348 a month

Cheyenne County: $1,461 a month

Without a mortgage

$608 a month

Cheyenne County: $621 a month

Owners with a mortgage

57%

Cheyenne County: 48%

Owning costs less in Sidney: with a mortgage, the typical cost is $1,348 a month; in Cheyenne County, $1,461. Without one, $608.

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

From 2015–2019 to 2020–2024, the typical home value in Sidney rose 26%; in Cheyenne County, it rose 36%.

Rent in Sidney moved so little since 2015–2019 that the Census cannot say whether it rose or fell.

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

MeasureSidneyCheyenne 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 2.022.112.422.53
Drive alone 76%74%76%69%
Carpool 10%11%9%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimateUnreliable estimate3%3%
Work from home 9%11%11%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute Unreliable estimateUnreliable estimate10 to 19 minutes20 to 29 minutes

By size, households in Sidney look like those in Cheyenne County: 2.02 people on average.

To get to work, 76% of workers in Sidney drive alone; in Cheyenne County, 74%.

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 Sidney?

A typical home is within reach of the typical income

We start with a typical home in Sidney, worth $139,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 28% of the typical household income in Sidney, which is $54,734 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Sidney. 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 $4,879 (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

$1,256

at 7.18% · 30 years

Loan amount
$136,875
Total interest
$196,931
Paid off in
November 2056

Includes $2,354 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,277 a month

    Your payment · 28%

  • Tight

    $1,277 to $1,642 a month

  • Hard

    more than $1,642 a month

Compared with the typical household income in Sidney ($54,734 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,256
Principal & interest$927
Property tax$209
Home insurance$58
FHA mortgage insurance (MIP)$62

You need at least $4,879 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

Sidney and Cheyenne County

Sidney is in Cheyenne 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).

Sidney's own numbers

Typical home value
$139,400
Typical monthly rent
$819
Typical yearly household income
$54,734
Households that own their home
58%
Effective property tax rate
1.8%

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

Numbers for all of Cheyenne County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,134
Price change over 5 years (FHFA)
+49%

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 Cheyenne County.

Everything about Cheyenne County

Buying

Buying a home in Sidney

A typical home in Sidney is worth $139,400: about the same as the county and 42% below Nebraska. With the typical household income in Sidney ($54,734 a year), a typical home costs 2.5 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.

  • Sidney 2.5 years
  • Cheyenne 2.3 years
  • Nebraska 3.1 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Cheyenne County

According to FHFA’s house price index, home prices in Cheyenne County rose 32% in the 10 years through 2025.

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

Period County Nebraska U.S.
Last year (2025) −2.4% +3.3% +2.9%
5 years (2020–2025) +49% +49% +47%
10 years (2015–2025) +32% +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

Sidney next to Cheyenne 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
  • Sidney $139,400
  • Cheyenne $139,700
  • Nebraska $238,600
  • United States $332,700
Typical monthly rent
  • Sidney $819
  • Cheyenne $821
  • Nebraska $1,072
  • United States $1,413
Typical yearly household income
  • Sidney $54,734
  • Cheyenne $60,348
  • Nebraska $76,475
  • United States $80,734
See the full table
Sidney next to Cheyenne County and Nebraska
Measure Sidney Cheyenne County Nebraska U.S.
Typical home value $139,400 $139,700 $238,600 $332,700
Typical monthly rent $819 $821 $1,072 $1,413
Typical yearly household income $54,734 $60,348 $76,475 $80,734
Households that own their home 58% 67% 67% 65%
Typical yearly property tax $2,506 $2,301 $3,549 $3,119
Effective property tax rate 1.8% 1.65% 1.49% 0.94%
Renters with high rent for their income 42% 43% 45% 51%

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

For a typical $139,400 home in Sidney, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Sidney's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,256a month

    Least cash to close
    Down payment
    $4,879
    Cash to close
    $9,061
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $62

  • Conventional, 5% down $1,231a month

    Down payment
    $6,970
    Cash to close
    $11,152
    Rate
    7.18%
    Mortgage insurance
    PMI · $66

  • Conventional, 20% down, no PMI $1,023a month

    Down payment
    $27,880
    Cash to close
    $32,062
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,152a month

    Down payment
    $20,910
    Cash to close
    $25,092
    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 Sidney and for Cheyenne County.

Property tax

Effective rate in Sidney

1.8%of the home’s value each year

$2,506 a year for the typical owner in Sidney.

  • Sidney 1.8%
  • Cheyenne 1.65%
  • 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 Cheyenne County

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

FEMA’s maps count no homes in the high-risk zone in Cheyenne 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 Sidney

Typical rent in Sidney is $819 a month: about the same as the county. In Sidney, 42% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Cheyenne County, by unit size. To pay the 2-bedroom one ($1,134 a month) without spending more than 30% of your income, you would need to earn $21.81 an hour working full time.

HUD fair market rent for all of Cheyenne 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 $861 $16.56 $34,440
1 bedroom $867 $16.67 $34,680
2 bedrooms $1,134 $21.81 $45,360
3 bedrooms $1,351 $25.98 $54,040
4 bedrooms $1,490 $28.65 $59,600

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 Sidney

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Sidney is in ZIP code 69162.

For 2 bedrooms it is $1,130: $4 less than the fair market rent for Cheyenne County ($1,134).

  • 69162 $1,130$1,350

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

HUD lists 4 buildings with rents for lower incomes in Sidney. These are the largest.

  • Cheyenne Villa 1900 Ash St, Sidney 69162 56 low-income homes · For families (308) 254-5751
  • Village at Sidney 1260 Village Way, Sidney 69162 48 low-income homes · 1 bd: 8 · 2 bd: 20 · 3 bd: 20 · In service since 2007 · For families
  • Canterbury Estates 2450 2460 2470 Canterbury Lane, Sidney 69162 10 low-income homes · 1 bd: 4 · 2 bd: 6 · In service since 2019 · For people with disabilities
  • Crest View South 2770 11th Ave, Sidney 69162 6 low-income homes · For people with disabilities (308) 633-3311

See all 4 buildings in Cheyenne County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Sidney

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 Cheyenne County. The nearest ones are below; many serve by phone or online.

A young woman and a young man point to a line in their notes beside a laptop in a library.

HUD counseling is free or low-cost

Assistance programs in Sidney

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

The HUD-approved agencies closest to the center of Sidney, 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 · 117 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 · 311 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 · 329 miles away

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

All counseling agencies in Nebraska

Help in Spanish near Sidney

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 Sidney

HUD lists no housing authority with an office in Cheyenne County. One in a neighboring county or the state’s may serve the area.

All housing agencies in Nebraska Source: HUD

Cities

Nearby cities

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

Everything about Cheyenne County Housing in Nebraska

Neighboring counties

If Cheyenne 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 Sidney.

All guides
A mother holding her baby watches her daughter blow bubbles outdoors.

Questions

Housing questions about Sidney

Short answers with the numbers for Sidney and all of Cheyenne 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 Sidney?

The typical home value in Sidney is $139,400, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Cheyenne County it is $139,700.

How much does it cost to rent in Sidney?

Typical rent in Sidney is $819 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Cheyenne County is $1,134.

What is the FHA loan limit in Sidney?

Sidney uses the FHA limit for all of Cheyenne 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 Sidney?

The typical homeowner in Sidney pays $2,506 a year, according to the U.S. Census Bureau. That is 1.8% of the home’s value; in Cheyenne County, the rate is 1.65%.

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

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