US5.com
  1. Home
  2. States
  3. Nebraska
  4. ZIP 68765
  5. Housing & Real Estate
Osmond city, NE

ZIP 68765 — 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 68765

Median Home Value
$168,800
Median Rent
$517
Affordability Snapshot
$46,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,084/mo PITI).

9%
Rent-to-Income Ratio

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

2.4x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

27.2 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 68765 in Osmond city, NE, a household would need roughly $46,000 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 $1,084. That sits below the local median household income ($71,375), 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 19% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
86.2%+32% vs US avg
x
Vacancy Rate
18.7%+81% vs US avg
x
Broadband Access
79.3%-9% vs US avg
x
4+ Bedrooms
9.9%-33% vs US avg
x
Built Pre-1939
5.2%-59% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
15.0%-70% vs US avg
x
Mortgage-Free
56.8%+49% vs US avg
x
$168,800
Home Value
$517
Rent
1967
Year Built
2006
Moved In

Residents have lived here since ~2006 on average

Housing Structure

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

  • 1-unit detached90.1%
  • 1-unit attached0.6%
  • 2-9 units3.0%
  • 10+ units1.5%
  • Mobile home & other4.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$168,800
Median rent$517
Owner-occupied86.2%
Vacant18.7%
Price-to-income2.4x
Est. income to buy$46,000