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Lincoln city, NE

ZIP 68504 — 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 68504

Median Home Value
$169,000
Median Rent
$879
Affordability Snapshot
$47,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,086/mo PITI).

20%
Rent-to-Income Ratio

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

3.2x
Home Price-to-Income Ratio

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

16.0 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 68504 in Lincoln city, NE, a household would need roughly $47,000 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 $1,086. That is roughly in line with the local median household income ($52,159). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Diverse housing tenure.

Heating Fuel
Housing Metrics
Owner Occupied
28.8%-56% vs US avg
x
Vacancy Rate
5.9%-43% vs US avg
x
Broadband Access
91.8%+5% vs US avg
x
4+ Bedrooms
2.1%-86% vs US avg
x
Built Pre-1939
1.7%-87% vs US avg
x
Built Post-2014
0.7%-90% vs US avg
x
Rent Burden >30%
16.6%-67% vs US avg
x
Mortgage-Free
41.8%+10% vs US avg
x
$169,000
Home Value
$879
Rent
1978
Year Built
2018
Moved In

Residents have lived here since ~2018 on average

Housing Structure

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

  • 1-unit detached32.2%
  • 1-unit attached4.1%
  • 2-9 units25.5%
  • 10+ units34.1%
  • Mobile home & other4.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$169,000
Median rent$879
Owner-occupied28.8%
Vacant5.9%
Price-to-income3.2x
Est. income to buy$47,000