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Lincoln city, NE

ZIP 68430 — Housing & Real Estate

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

Upper Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 68430

Median Home Value
$443,000
Median Rent
$589
Affordability Snapshot
$122,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,846/mo PITI).

6%
Rent-to-Income Ratio

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

3.5x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

62.7 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 68430 in Lincoln city, NE, a household would need roughly $122,000 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 $2,846. That is roughly in line with the local median household income ($126,458). 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
95.8%+47% vs US avg
x
Vacancy Rate
0.7%-94% vs US avg
x
Broadband Access
92.9%+7% vs US avg
x
4+ Bedrooms
15.0%+1% vs US avg
x
Built Pre-1939
0.0%
x
Built Post-2014
4.6%-33% vs US avg
x
Rent Burden >30%
4.0%-92% vs US avg
x
Mortgage-Free
40.5%+6% vs US avg
x
$443,000
Home Value
$589
Rent
1992
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

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

  • 1-unit detached96.4%
  • 1-unit attached3.3%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other0.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$443,000
Median rent$589
Owner-occupied95.8%
Vacant0.7%
Price-to-income3.5x
Est. income to buy$122,000