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Osceola city, NE

ZIP 68651 — 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 68651

Median Home Value
$183,200
Median Rent
$451
Affordability Snapshot
$50,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,177/mo PITI).

7%
Rent-to-Income Ratio

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

2.3x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

33.9 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 68651 in Osceola city, NE, a household would need roughly $50,000 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 $1,177. That sits below the local median household income ($80,375), 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 11% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
75.8%+16% vs US avg
x
Vacancy Rate
10.9%+6% vs US avg
x
Broadband Access
86.6%-0% vs US avg
x
4+ Bedrooms
6.6%-55% vs US avg
x
Built Pre-1939
7.3%-43% vs US avg
x
Built Post-2014
0.4%-95% vs US avg
x
Rent Burden >30%
0.0%
x
Mortgage-Free
55.6%+45% vs US avg
x
$183,200
Home Value
$451
Rent
1963
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

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

  • 1-unit detached88.2%
  • 1-unit attached0.7%
  • 2-9 units6.8%
  • 10+ units1.6%
  • Mobile home & other2.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$183,200
Median rent$451
Owner-occupied75.8%
Vacant10.9%
Price-to-income2.3x
Est. income to buy$50,000