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Swanton village, NE

ZIP 68445 — 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 68445

Median Home Value
$83,500
Median Rent
N/A
Affordability Snapshot
$23,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$536/mo PITI).

1.3x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

To comfortably buy a median-priced home in ZIP 68445 in Swanton village, NE, a household would need roughly $23,000 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 $536. That sits below the local median household income ($63,750), 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

Historic housing stock (22% built before 1939)

Owner Occupied
73.1%+12% vs US avg
x
Vacancy Rate
14.1%+37% vs US avg
x
Broadband Access
95.5%+10% vs US avg
x
4+ Bedrooms
14.1%-5% vs US avg
x
Built Pre-1939
21.8%+70% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
5.6%-89% vs US avg
x
Mortgage-Free
53.1%+39% vs US avg
x
$83,500
Home Value
N/A
Rent
1941
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 detached97.4%
  • 1-unit attached0.0%
  • 2-9 units2.6%
  • 10+ units0.0%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$83,500
Median rent$-666,666,666
Owner-occupied73.1%
Vacant14.1%
Price-to-income1.3x
Est. income to buy$23,000