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Kearney city, NE

ZIP 68845 — 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 68845

Median Home Value
$274,200
Median Rent
$770
Affordability Snapshot
$75,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,761/mo PITI).

12%
Rent-to-Income Ratio

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

3.6x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

29.7 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 68845 in Kearney city, NE, a household would need roughly $75,000 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 $1,761. That is roughly in line with the local median household income ($75,350). 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
57.6%-12% vs US avg
x
Vacancy Rate
6.2%-40% vs US avg
x
Broadband Access
91.2%+5% vs US avg
x
4+ Bedrooms
13.9%-6% vs US avg
x
Built Pre-1939
3.3%-74% vs US avg
x
Built Post-2014
0.2%-97% vs US avg
x
Rent Burden >30%
21.5%-57% vs US avg
x
Mortgage-Free
44.8%+17% vs US avg
x
$274,200
Home Value
$770
Rent
1983
Year Built
2015
Moved In

Residents have lived here since ~2015 on average

Housing Structure

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

  • 1-unit detached60.7%
  • 1-unit attached4.6%
  • 2-9 units16.2%
  • 10+ units15.3%
  • Mobile home & other3.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$274,200
Median rent$770
Owner-occupied57.6%
Vacant6.2%
Price-to-income3.6x
Est. income to buy$75,000