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Lincoln city, NE

ZIP 68528 — 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 68528

Median Home Value
$243,700
Median Rent
$1,130
Affordability Snapshot
$67,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,565/mo PITI).

18%
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.

18.0 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 68528 in Lincoln city, NE, a household would need roughly $67,000 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 $1,565. That sits below the local median household income ($75,000), 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

Diverse housing tenure.

Heating Fuel
Housing Metrics
Owner Occupied
59.3%-9% vs US avg
x
Vacancy Rate
5.5%-46% vs US avg
x
Broadband Access
93.0%+7% vs US avg
x
4+ Bedrooms
3.5%-77% vs US avg
x
Built Pre-1939
0.2%-99% vs US avg
x
Built Post-2014
3.0%-57% vs US avg
x
Rent Burden >30%
22.1%-56% vs US avg
x
Mortgage-Free
29.6%-22% vs US avg
x
$243,700
Home Value
$1,130
Rent
2000
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 detached60.1%
  • 1-unit attached10.3%
  • 2-9 units2.1%
  • 10+ units26.3%
  • Mobile home & other1.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$243,700
Median rent$1,130
Owner-occupied59.3%
Vacant5.5%
Price-to-income3.2x
Est. income to buy$67,000