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Oshkosh city, NE

ZIP 69154 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 69154

Median Home Value
$97,900
Median Rent
$464
Affordability Snapshot
$27,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$629/mo PITI).

13%
Rent-to-Income Ratio

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

2.3x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

17.6 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 69154 in Oshkosh city, NE, a household would need roughly $27,000 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 $629. That sits below the local median household income ($43,214), 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 21% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
80.4%+23% vs US avg
x
Vacancy Rate
21.3%+107% vs US avg
x
Broadband Access
82.0%-6% vs US avg
x
4+ Bedrooms
4.2%-71% vs US avg
x
Built Pre-1939
10.9%-15% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
7.5%-85% vs US avg
x
Mortgage-Free
66.4%+74% vs US avg
x
$97,900
Home Value
$464
Rent
1952
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 detached90.1%
  • 1-unit attached0.9%
  • 2-9 units1.6%
  • 10+ units3.5%
  • Mobile home & other3.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$97,900
Median rent$464
Owner-occupied80.4%
Vacant21.3%
Price-to-income2.3x
Est. income to buy$27,000