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Chalco CDP, NE

ZIP 68138 — Housing & Real Estate

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

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 68138

Median Home Value
$222,700
Median Rent
$991
Affordability Snapshot
$61,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,431/mo PITI).

14%
Rent-to-Income Ratio

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

2.7x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

18.7 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 68138 in Chalco CDP, NE, a household would need roughly $61,000 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 $1,431. That sits below the local median household income ($82,555), 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

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
71.5%+9% vs US avg
x
Vacancy Rate
1.2%-88% vs US avg
x
Broadband Access
98.7%+13% vs US avg
x
4+ Bedrooms
1.5%-90% vs US avg
x
Built Pre-1939
0.3%-97% vs US avg
x
Built Post-2014
3.1%-54% vs US avg
x
Rent Burden >30%
18.0%-64% vs US avg
x
Mortgage-Free
24.2%-37% vs US avg
x
$222,700
Home Value
$991
Rent
1989
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

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

  • 1-unit detached73.8%
  • 1-unit attached4.5%
  • 2-9 units5.3%
  • 10+ units16.2%
  • Mobile home & other0.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$222,700
Median rent$991
Owner-occupied71.5%
Vacant1.2%
Price-to-income2.7x
Est. income to buy$61,000