US5.com
  1. Home
  2. States
  3. Nebraska
  4. ZIP 68785
  5. Housing & Real Estate
Waterbury village, NE

ZIP 68785 — 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 68785

Median Home Value
$202,300
Median Rent
N/A
Affordability Snapshot
$56,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,300/mo PITI).

2.1x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

To comfortably buy a median-priced home in ZIP 68785 in Waterbury village, NE, a household would need roughly $56,000 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 $1,300. That sits below the local median household income ($95,833), 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 13% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
99.0%+51% vs US avg
x
Vacancy Rate
12.8%+24% vs US avg
x
Broadband Access
86.3%-1% vs US avg
x
4+ Bedrooms
6.0%-60% vs US avg
x
Built Pre-1939
3.4%-73% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
100.0%+101% vs US avg
x
Mortgage-Free
25.7%-33% vs US avg
x
$202,300
Home Value
N/A
Rent
1990
Year Built
1999
Moved In

Residents have lived here since ~1999 on average

Housing Structure

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

  • 1-unit detached79.5%
  • 1-unit attached0.0%
  • 2-9 units3.4%
  • 10+ units10.3%
  • Mobile home & other6.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$202,300
Median rent$-666,666,666
Owner-occupied99.0%
Vacant12.8%
Price-to-income2.1x
Est. income to buy$56,000