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City · 8,141 residents · York County, Nebraska

York , Nebraska

In York, a typical home is worth $180,900 and typical rent is $862 a month. Compared with all of York County, typical household income is 19% lower and the share of households that own their home is 7 points lower.

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  • Typical home value

    $180,900

    4% below the county

    24% below Nebraska

    • York
    • County
    • Nebraska

  • Typical rent

    $862a month

    About the same as the county

    20% below Nebraska

    • York
    • County
    • Nebraska

  • Typical household income

    $63,265a year

    19% below the county

    17% below Nebraska

    • York
    • County
    • Nebraska

  • Households that own their home

    69%

    7 points below the county

    2 points above Nebraska

    • York
    • County
    • Nebraska

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

Market now, with Zillow data

Zillow data
Typical home value
$216,872
about the same as 12 months ago

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

York is in York 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 York County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets York 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 York barely changed; in Nebraska, it rose 3%.

  2. The typical household income in York is $63,265, 19% less than in York County as a whole ($77,757).

  3. 69% of households in York own their home, against 76% in York County.

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

The homes here

Housing in York

What homes there are in York, 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 York (69%), but less so than in York County (78%).

Year built

The typical home in York was built in 1972, 4 years after the typical one in York County.

Homes in York are smaller: 59% have 3 bedrooms or more; in York County, 65%.

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 York County is high ($541,287): at least 98% of owner-occupied homes in York are worth less than $500,000.

Monthly rent with utilities

With a mortgage

$1,385 a month

York County: $1,419 a month

Without a mortgage

$571 a month

York County: $562 a month

Owners with a mortgage

63%

York County: 56%

Owning costs about the same in York as in York County: with a mortgage, $1,385 a month; without one, $571.

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

Homes in York gained value more slowly than in York County: 37% since 2015–2019, against 40%.

Rents in York rose at about the same pace as in York County: 21% since 2015–2019, against 23%.

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

MeasureYorkYork 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 2.272.362.422.53
Drive alone 80%80%76%69%
Carpool 9%9%9%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike 4%4%3%3%
Work from home 7%7%11%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute under 10 minutesUnreliable estimate10 to 19 minutes20 to 29 minutes

Much as in York County, a household in York has 2.27 people on average.

In York, 80% of workers drive alone to work; in York County, 80%.

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 York?

A typical home is tight for the typical income

We start with a typical home in York, worth $180,900, 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 York, which is $63,265 a year. For that payment to be 28% of income, a household would need to earn about $67,338 a year.

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

Your numbers

Local data
$

Starts at the typical home value in York. 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 $6,332 (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

$1,571

at 7.18% · 30 years

Loan amount
$177,623
Total interest
$255,558
Paid off in
November 2056

Includes $3,055 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,476 a month

  • Tight

    $1,476 to $1,898 a month

    Your payment · 30%

  • Hard

    more than $1,898 a month

Compared with the typical household income in York ($63,265 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,571
Principal & interest$1,203
Property tax$213
Home insurance$75
FHA mortgage insurance (MIP)$80

You need at least $6,332 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

York and York County

York is in York 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).

York's own numbers

Typical home value
$180,900
Typical monthly rent
$862
Typical yearly household income
$63,265
Households that own their home
69%
Effective property tax rate
1.41%

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

Numbers for all of York County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,047
Price change over 5 years (FHFA)
+55%
Homes in a high flood-risk zone
4.2%

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 York County.

Everything about York County

Buying

Buying a home in York

A typical home in York is worth $180,900: 4% below the county and 24% below Nebraska. With the typical household income in York ($63,265 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.

  • York 2.9 years
  • County 2.4 years
  • Nebraska 3.1 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in York County

According to FHFA’s house price index, home prices in York County rose 86% in the 10 years through 2025.

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

Period County Nebraska U.S.
Last year (2025) +8.8% +3.3% +2.9%
5 years (2020–2025) +55% +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

York next to York 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
  • York $180,900
  • County $189,400
  • Nebraska $238,600
  • United States $332,700
Typical monthly rent
  • York $862
  • County $877
  • Nebraska $1,072
  • United States $1,413
Typical yearly household income
  • York $63,265
  • County $77,757
  • Nebraska $76,475
  • United States $80,734
See the full table
York next to York County and Nebraska
Measure York York County Nebraska U.S.
Typical home value $180,900 $189,400 $238,600 $332,700
Typical monthly rent $862 $877 $1,072 $1,413
Typical yearly household income $63,265 $77,757 $76,475 $80,734
Households that own their home 69% 76% 67% 65%
Typical yearly property tax $2,558 $2,263 $3,549 $3,119
Effective property tax rate 1.41% 1.19% 1.49% 0.94%
Renters with high rent for their income 40% 34% 45% 51%

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

For a typical $180,900 home in York, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, York's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,571a month

    Least cash to close
    Down payment
    $6,332
    Cash to close
    $11,759
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $80

  • Conventional, 5% down $1,538a month

    Down payment
    $9,045
    Cash to close
    $14,472
    Rate
    7.18%
    Mortgage insurance
    PMI · $86

  • Conventional, 20% down, no PMI $1,268a month

    Down payment
    $36,180
    Cash to close
    $41,607
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,436a month

    Down payment
    $27,135
    Cash to close
    $32,562
    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 York and for York County.

Property tax

Effective rate in York

1.41%of the home’s value each year

$2,558 a year for the typical owner in York.

  • York 1.41%
  • County 1.19%
  • 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 York County

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

Homes in the high-risk zone
4.2%
340
Of those, with NFIP insurance
14%
County Nebraska U.S.
Homes in the high-risk zone 4.2% 3.5% 3.5%
Of those, with NFIP insurance 14% 15% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in York

Typical rent in York is $862 a month: about the same as the county. In York, 40% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of York County, by unit size. To pay the 2-bedroom one ($1,047 a month) without spending more than 30% of your income, you would need to earn $20.13 an hour working full time.

HUD fair market rent for all of York 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 $758 $14.58 $30,320
1 bedroom $815 $15.67 $32,600
2 bedrooms $1,047 $20.13 $41,880
3 bedrooms $1,331 $25.60 $53,240
4 bedrooms $1,376 $26.46 $55,040

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 York

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). York is in ZIP code 68467.

For 2 bedrooms it is $1,030: $17 less than the fair market rent for York County ($1,047).

  • 68467 $1,030$1,310

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

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

  • York Leisure Home 215 N Lincoln Ave, York 68467 82 homes, 75 low-income · For older adults · Run by York Housing Authority · Average payment: $352 a month · Average wait: 4 months (402) 362-4481
  • Vistas at Meadow Grove Scattered, York 68467 48 low-income homes · 3 bd: 48 · In service since 2020
  • Hearthstone Court 123 Meadow View Dr, York 68467 26 low-income homes · For older adults (402) 362-4333
  • York Del Ray Plaza 2220 N Nebraska Ave, York 68467 24 low-income homes · For families (402) 362-7145
  • Yorktowne Estates Phase II 1911 E 8th St, York 68467 20 low-income homes · 2 bd: 14 · 3 bd: 6 · In service since 2010 · For older adults

See all 10 buildings in York County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in York

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

A man listens closely, seated at a meeting table.

HUD counseling is free or low-cost

Assistance programs in York

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

The HUD-approved agencies closest to the center of York, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Neighborhoods, Inc. DBA Neighborworks Lincoln

    2530 Q St, Lincoln · 48 miles away

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

  • Blue Valley Community Action Partnership

    620 5th St, Fairbury · 55 miles away

    • Budget and financial counseling
    • Budget and credit workshops
    • and 5 more
    (402) 729-2278

  • Credit Advisors Foundation

    1818 S 72nd St, Omaha · 86 miles away · Spanish

    Also serves in Korean and other languages.

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 9 more
    (402) 514-3340

All counseling agencies in Nebraska

Help in Spanish near York

1 of the 3 agencies on this list says it serves 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 York

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

  • York Housing Authority Public housing and Section 8 vouchers (402) 362-5900

2 other authorities have an office in York County: see the list Source: HUD

Cities

Nearby cities

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

Everything about York County Housing in Nebraska

Neighboring counties

If York 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 York.

All guides
Three women of one family talk as they cook vegetables in the kitchen.

Questions

Housing questions about York

Short answers with the numbers for York and all of York 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 York?

The typical home value in York is $180,900, according to the U.S. Census Bureau (average 2020–2024). For comparison, in York County it is $189,400.

How much does it cost to rent in York?

Typical rent in York is $862 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in York County is $1,047.

What is the FHA loan limit in York?

York uses the FHA limit for all of York 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 York?

The typical homeowner in York pays $2,558 a year, according to the U.S. Census Bureau. That is 1.41% of the home’s value; in York County, the rate is 1.19%.

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

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