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Clearwater village, NE

ZIP 68726 — 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 68726

Median Home Value
$109,800
Median Rent
$547
Affordability Snapshot
$30,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$705/mo PITI).

10%
Rent-to-Income Ratio

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

1.7x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

16.7 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 68726 in Clearwater village, NE, a household would need roughly $30,000 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 $705. That sits below the local median household income ($64,417), 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 17% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
59.0%-10% vs US avg
x
Vacancy Rate
16.7%+62% vs US avg
x
Broadband Access
89.5%+3% vs US avg
x
4+ Bedrooms
4.7%-68% vs US avg
x
Built Pre-1939
3.8%-70% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
1.7%-97% vs US avg
x
Mortgage-Free
79.8%+109% vs US avg
x
$109,800
Home Value
$547
Rent
1968
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

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

  • 1-unit detached95.9%
  • 1-unit attached0.0%
  • 2-9 units2.9%
  • 10+ units0.0%
  • Mobile home & other1.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$109,800
Median rent$547
Owner-occupied59.0%
Vacant16.7%
Price-to-income1.7x
Est. income to buy$30,000