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Humphrey city, NE

ZIP 68642 — 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 68642

Median Home Value
$255,400
Median Rent
$473
Affordability Snapshot
$70,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,641/mo PITI).

6%
Rent-to-Income Ratio

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

2.8x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

45.0 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 68642 in Humphrey city, NE, a household would need roughly $70,000 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 $1,641. That sits below the local median household income ($91,645), 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
88.1%+35% vs US avg
x
Vacancy Rate
5.5%-47% vs US avg
x
Broadband Access
84.7%-3% vs US avg
x
4+ Bedrooms
14.0%-5% vs US avg
x
Built Pre-1939
6.1%-53% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
3.9%-92% vs US avg
x
Mortgage-Free
55.8%+46% vs US avg
x
$255,400
Home Value
$473
Rent
1954
Year Built
2006
Moved In

Residents have lived here since ~2006 on average

Housing Structure

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

  • 1-unit detached90.7%
  • 1-unit attached2.9%
  • 2-9 units2.2%
  • 10+ units0.0%
  • Mobile home & other4.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$255,400
Median rent$473
Owner-occupied88.1%
Vacant5.5%
Price-to-income2.8x
Est. income to buy$70,000