Cost of Ownership · Nebraska
The true cost of owning a home in Nebraska
For a median $238,600 home in Nebraska, here is the full monthly cost — not just the mortgage. Built from public data: the state's median home value and effective property-tax rate, its average homeowners premium, and the current 30-year rate. This is a representative example, not a quote.
Lender-approved payment
$1,910/mo
PITI + PMI
True monthly cost
$2,108/mo
everything, incl. upkeep
The gap
+$199/mo
what approval leaves out
Effective property-tax rate
1.49%
Avg. homeowners premium
$1,869/yr
NFIP flood claims on record
6,067
Closing costs in Nebraska
Median closing costs and lender origination charges on real home-purchase loans in Nebraska, from public CFPB HMDA data. Cells with fewer than 25 loans aren't shown.
Median total closing costs
$3,510
Typically $2,735–$6,284
Median origination charges
$1,395
Typically $990–$2,610
| Loan size | p25 | Median | p75 | Loans |
|---|---|---|---|---|
| All | $2,735 | $3,510 | $6,284 | 17,868 |
| All | $2,584 | $3,488 | $6,263 | 17,036 |
| < $250k | $2,659 | $3,318 | $5,322 | 8,332 |
| < $250k | $2,488 | $3,197 | $5,295 | 8,813 |
| $250k–$500k | $2,802 | $3,717 | $7,684 | 8,325 |
| $250k–$500k | $2,693 | $3,918 | $7,847 | 7,129 |
| $500k–$750k | $2,982 | $3,961 | $8,049 | 905 |
| $500k–$750k | $2,984 | $3,738 | $6,908 | 950 |
| > $750k | $3,311 | $4,391 | $6,703 | 261 |
| > $750k | $3,510 | $4,695 | $7,901 | 189 |
Compare your own Loan Estimate with the Loan Estimate Decoder, or see every state in the Fee & Rate Index.
Common questions about buying a home in Nebraska
- What are the median closing costs in Nebraska?
- Median total closing costs — lender and third-party charges — on a home-purchase loan in Nebraska are about $3,510, from public CFPB HMDA data. Cells with fewer than 25 loans are suppressed.
- What is the effective property-tax rate in Nebraska?
- The effective property-tax rate in Nebraska is about 1.49%, from the Census American Community Survey (median real estate taxes divided by median home value).
- What does a median home cost to own each month in Nebraska?
- A median $238,600 home in Nebraska costs about $2,108 a month to own — principal, interest, property tax, insurance, PMI, and a maintenance reserve — versus a lender-approved payment of about $1,910. Every figure is from public data.
These figures use Nebraska's median home value and a 10% down payment as a representative example. Your price, rate, and county rate will differ — run your own numbers in the True Cost tool, see how Nebraska ranks on property tax and insurance, or browse every state.