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Laurel city, NE

ZIP 68745 — 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 68745

Median Home Value
$188,500
Median Rent
$567
Affordability Snapshot
$52,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,211/mo PITI).

10%
Rent-to-Income Ratio

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

2.7x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

27.7 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 68745 in Laurel city, NE, a household would need roughly $52,000 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 $1,211. That sits below the local median household income ($68,625), 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 10% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
75.4%+15% vs US avg
x
Vacancy Rate
10.3%-0% vs US avg
x
Broadband Access
91.1%+5% vs US avg
x
4+ Bedrooms
11.4%-23% vs US avg
x
Built Pre-1939
9.5%-26% vs US avg
x
Built Post-2014
0.5%-92% vs US avg
x
Rent Burden >30%
16.4%-67% vs US avg
x
Mortgage-Free
47.8%+25% vs US avg
x
$188,500
Home Value
$567
Rent
1954
Year Built
2008
Moved In

Residents have lived here since ~2008 on average

Housing Structure

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

  • 1-unit detached92.5%
  • 1-unit attached0.0%
  • 2-9 units6.3%
  • 10+ units0.8%
  • Mobile home & other0.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$188,500
Median rent$567
Owner-occupied75.4%
Vacant10.3%
Price-to-income2.7x
Est. income to buy$52,000