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Harvard city, NE

ZIP 68944 — 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 68944

Median Home Value
$123,900
Median Rent
$555
Affordability Snapshot
$34,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$796/mo PITI).

9%
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.

18.6 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 68944 in Harvard city, NE, a household would need roughly $34,000 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 $796. That sits below the local median household income ($70,833), 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 11% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
78.7%+20% vs US avg
x
Vacancy Rate
11.3%+9% vs US avg
x
Broadband Access
91.2%+5% vs US avg
x
4+ Bedrooms
6.1%-59% vs US avg
x
Built Pre-1939
15.0%+17% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
3.6%-93% vs US avg
x
Mortgage-Free
55.5%+45% vs US avg
x
$123,900
Home Value
$555
Rent
1961
Year Built
2010
Moved In

Residents have lived here since ~2010 on average

Housing Structure

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

  • 1-unit detached76.3%
  • 1-unit attached5.6%
  • 2-9 units14.7%
  • 10+ units0.9%
  • Mobile home & other2.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$123,900
Median rent$555
Owner-occupied78.7%
Vacant11.3%
Price-to-income1.7x
Est. income to buy$34,000