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Amherst village, NE

ZIP 68812 — 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 68812

Median Home Value
$207,300
Median Rent
$485
Affordability Snapshot
$57,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,332/mo PITI).

8%
Rent-to-Income Ratio

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

3.0x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

35.6 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 68812 in Amherst village, NE, a household would need roughly $57,000 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 $1,332. That sits below the local median household income ($68,833), 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
80.7%+23% vs US avg
x
Vacancy Rate
9.3%-10% vs US avg
x
Broadband Access
87.3%+0% vs US avg
x
4+ Bedrooms
21.6%+46% vs US avg
x
Built Pre-1939
4.1%-68% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
0.0%
x
Mortgage-Free
52.8%+38% vs US avg
x
$207,300
Home Value
$485
Rent
1968
Year Built
2007
Moved In

Residents have lived here since ~2007 on average

Housing Structure

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

  • 1-unit detached95.2%
  • 1-unit attached1.1%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other3.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$207,300
Median rent$485
Owner-occupied80.7%
Vacant9.3%
Price-to-income3.0x
Est. income to buy$57,000