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St. Paul city, NE

ZIP 68873 — 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 68873

Median Home Value
$208,900
Median Rent
$551
Affordability Snapshot
$58,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,342/mo PITI).

9%
Rent-to-Income Ratio

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

2.9x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

31.6 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 68873 in St. Paul city, NE, a household would need roughly $58,000 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 $1,342. That sits below the local median household income ($73,169), 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
71.3%+9% vs US avg
x
Vacancy Rate
9.4%-8% vs US avg
x
Broadband Access
83.2%-4% vs US avg
x
4+ Bedrooms
5.6%-62% vs US avg
x
Built Pre-1939
2.5%-81% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
9.4%-81% vs US avg
x
Mortgage-Free
42.5%+11% vs US avg
x
$208,900
Home Value
$551
Rent
1971
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 detached85.7%
  • 1-unit attached1.6%
  • 2-9 units6.9%
  • 10+ units3.3%
  • Mobile home & other2.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$208,900
Median rent$551
Owner-occupied71.3%
Vacant9.4%
Price-to-income2.9x
Est. income to buy$58,000