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McCook city, NE

ZIP 69001 — 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 69001

Median Home Value
$147,300
Median Rent
$661
Affordability Snapshot
$41,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$946/mo PITI).

13%
Rent-to-Income Ratio

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

2.5x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

18.6 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 69001 in McCook city, NE, a household would need roughly $41,000 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 $946. That sits below the local median household income ($60,089), 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 15% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
70.7%+8% vs US avg
x
Vacancy Rate
15.0%+46% vs US avg
x
Broadband Access
84.2%-3% vs US avg
x
4+ Bedrooms
6.9%-54% vs US avg
x
Built Pre-1939
11.0%-14% vs US avg
x
Built Post-2014
0.2%-97% vs US avg
x
Rent Burden >30%
26.0%-48% vs US avg
x
Mortgage-Free
54.5%+43% vs US avg
x
$147,300
Home Value
$661
Rent
1960
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

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

  • 1-unit detached78.2%
  • 1-unit attached0.8%
  • 2-9 units8.0%
  • 10+ units6.9%
  • Mobile home & other6.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$147,300
Median rent$661
Owner-occupied70.7%
Vacant15.0%
Price-to-income2.5x
Est. income to buy$41,000