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Sprague village, NE

ZIP 68438 — 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 68438

Median Home Value
$189,300
Median Rent
$1,125
Affordability Snapshot
$52,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,216/mo PITI).

16%
Rent-to-Income Ratio

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

2.2x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

14.0 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 68438 in Sprague village, NE, a household would need roughly $52,000 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 $1,216. That sits below the local median household income ($85,156), 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
84.2%+29% vs US avg
x
Vacancy Rate
0.0%
x
Broadband Access
86.0%-1% vs US avg
x
4+ Bedrooms
15.8%+7% vs US avg
x
Built Pre-1939
7.0%-45% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
22.2%-55% vs US avg
x
Mortgage-Free
29.2%-24% vs US avg
x
$189,300
Home Value
$1,125
Rent
1941
Year Built
2007
Moved In

Residents have lived here since ~2007 on average

Housing Structure

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

  • 1-unit detached94.7%
  • 1-unit attached3.5%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other1.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$189,300
Median rent$1,125
Owner-occupied84.2%
Vacant0.0%
Price-to-income2.2x
Est. income to buy$52,000