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Elgin city, NE

ZIP 68636 — 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 68636

Median Home Value
$104,900
Median Rent
$400
Affordability Snapshot
$29,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$674/mo PITI).

7%
Rent-to-Income Ratio

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

1.5x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

21.9 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 68636 in Elgin city, NE, a household would need roughly $29,000 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 $674. That sits below the local median household income ($71,853), 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
79.4%+21% vs US avg
x
Vacancy Rate
10.8%+5% vs US avg
x
Broadband Access
83.4%-4% vs US avg
x
4+ Bedrooms
13.2%-11% vs US avg
x
Built Pre-1939
6.1%-52% vs US avg
x
Built Post-2014
0.2%-98% vs US avg
x
Rent Burden >30%
3.4%-93% vs US avg
x
Mortgage-Free
71.3%+87% vs US avg
x
$104,900
Home Value
$400
Rent
1958
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

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

  • 1-unit detached95.0%
  • 1-unit attached0.0%
  • 2-9 units2.0%
  • 10+ units0.6%
  • Mobile home & other2.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$104,900
Median rent$400
Owner-occupied79.4%
Vacant10.8%
Price-to-income1.5x
Est. income to buy$29,000