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Valley city, NE

ZIP 68064 — Housing & Real Estate

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

Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 68064

Median Home Value
$476,400
Median Rent
$782
Affordability Snapshot
$131,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,060/mo PITI).

10%
Rent-to-Income Ratio

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

5.1x
Home Price-to-Income Ratio

Well above the 3-5x guideline — challenging for first-time buyers.

50.8 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 68064 in Valley city, NE, a household would need roughly $131,000 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 $3,060. That is about 41% above the local median household income ($92,938), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 16% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
73.4%+12% vs US avg
x
Vacancy Rate
15.8%+53% vs US avg
x
Broadband Access
91.5%+5% vs US avg
x
4+ Bedrooms
6.4%-57% vs US avg
x
Built Pre-1939
4.8%-63% vs US avg
x
Built Post-2014
3.4%-51% vs US avg
x
Rent Burden >30%
10.2%-80% vs US avg
x
Mortgage-Free
53.7%+41% vs US avg
x
$476,400
Home Value
$782
Rent
1979
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

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

  • 1-unit detached82.6%
  • 1-unit attached2.9%
  • 2-9 units1.6%
  • 10+ units6.2%
  • Mobile home & other6.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$476,400
Median rent$782
Owner-occupied73.4%
Vacant15.8%
Price-to-income5.1x
Est. income to buy$131,000