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Oakland city, NE

ZIP 68045 — 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 68045

Median Home Value
$171,300
Median Rent
$508
Affordability Snapshot
$47,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,100/mo PITI).

8%
Rent-to-Income Ratio

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

2.2x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

28.1 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 68045 in Oakland city, NE, a household would need roughly $47,000 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 $1,100. That sits below the local median household income ($76,842), 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

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
73.2%+12% vs US avg
x
Vacancy Rate
8.7%-16% vs US avg
x
Broadband Access
87.2%+0% vs US avg
x
4+ Bedrooms
4.0%-73% vs US avg
x
Built Pre-1939
6.8%-47% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
8.9%-82% vs US avg
x
Mortgage-Free
44.4%+16% vs US avg
x
$171,300
Home Value
$508
Rent
1938
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

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

  • 1-unit detached84.7%
  • 1-unit attached4.6%
  • 2-9 units7.7%
  • 10+ units3.1%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$171,300
Median rent$508
Owner-occupied73.2%
Vacant8.7%
Price-to-income2.2x
Est. income to buy$47,000