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Smithfield village, NE

ZIP 68976 — 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 68976

Median Home Value
$115,600
Median Rent
$590
Affordability Snapshot
$32,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$743/mo PITI).

9%
Rent-to-Income Ratio

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

1.4x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

16.3 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 68976 in Smithfield village, NE, a household would need roughly $32,000 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 $743. That sits below the local median household income ($82,917), 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
66.3%+1% vs US avg
x
Vacancy Rate
11.1%+8% vs US avg
x
Broadband Access
85.0%-2% vs US avg
x
4+ Bedrooms
10.0%-32% vs US avg
x
Built Pre-1939
12.2%-5% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
22.2%-55% vs US avg
x
Mortgage-Free
49.1%+28% vs US avg
x
$115,600
Home Value
$590
Rent
1946
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 detached81.1%
  • 1-unit attached0.0%
  • 2-9 units2.2%
  • 10+ units0.0%
  • Mobile home & other16.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$115,600
Median rent$590
Owner-occupied66.3%
Vacant11.1%
Price-to-income1.4x
Est. income to buy$32,000