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Geneva city, NE

ZIP 68361 — 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 68361

Median Home Value
$161,900
Median Rent
$578
Affordability Snapshot
$45,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,040/mo PITI).

9%
Rent-to-Income Ratio

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

2.0x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

23.3 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 68361 in Geneva city, NE, a household would need roughly $45,000 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 $1,040. That sits below the local median household income ($79,537), 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 14% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
76.0%+16% vs US avg
x
Vacancy Rate
13.7%+33% vs US avg
x
Broadband Access
83.1%-4% vs US avg
x
4+ Bedrooms
7.1%-52% vs US avg
x
Built Pre-1939
3.9%-69% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
13.4%-73% vs US avg
x
Mortgage-Free
47.3%+24% vs US avg
x
$161,900
Home Value
$578
Rent
1965
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 detached83.0%
  • 1-unit attached1.7%
  • 2-9 units4.6%
  • 10+ units9.1%
  • Mobile home & other1.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$161,900
Median rent$578
Owner-occupied76.0%
Vacant13.7%
Price-to-income2.0x
Est. income to buy$45,000