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Peru city, NE

ZIP 68421 — Housing & Real Estate

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

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 68421

Median Home Value
$97,500
Median Rent
$498
Affordability Snapshot
$27,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$626/mo PITI).

10%
Rent-to-Income Ratio

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

1.7x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

16.3 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 68421 in Peru city, NE, a household would need roughly $27,000 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 $626. That sits below the local median household income ($57,838), 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

Vacancy rate 24% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
78.2%+20% vs US avg
x
Vacancy Rate
23.8%+131% vs US avg
x
Broadband Access
92.3%+6% vs US avg
x
4+ Bedrooms
13.3%-10% vs US avg
x
Built Pre-1939
6.9%-46% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
9.2%-81% vs US avg
x
Mortgage-Free
57.1%+49% vs US avg
x
$97,500
Home Value
$498
Rent
1938
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 detached83.1%
  • 1-unit attached0.0%
  • 2-9 units16.1%
  • 10+ units0.0%
  • Mobile home & other0.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$97,500
Median rent$498
Owner-occupied78.2%
Vacant23.8%
Price-to-income1.7x
Est. income to buy$27,000