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Fort Calhoun city, NE

ZIP 68023 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Upper Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 68023

Median Home Value
$347,700
Median Rent
$734
Affordability Snapshot
$96,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,234/mo PITI).

7%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

2.9x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

39.5 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 68023 in Fort Calhoun city, NE, a household would need roughly $96,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $2,234. That sits below the local median household income ($118,281), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel
Housing Metrics
Owner Occupied
78.7%+20% vs US avg
x
Vacancy Rate
2.8%-73% vs US avg
x
Broadband Access
89.1%+2% vs US avg
x
4+ Bedrooms
7.0%-52% vs US avg
x
Built Pre-1939
0.7%-94% vs US avg
x
Built Post-2014
0.8%-88% vs US avg
x
Rent Burden >30%
24.1%-51% vs US avg
x
Mortgage-Free
31.6%-17% vs US avg
x
$347,700
Home Value
$734
Rent
1989
Year Built
2008
Moved In

Residents have lived here since ~2008 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached82.7%
  • 1-unit attached1.3%
  • 2-9 units7.0%
  • 10+ units6.8%
  • Mobile home & other2.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$347,700
Median rent$734
Owner-occupied78.7%
Vacant2.8%
Price-to-income2.9x
Est. income to buy$96,000