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Cozad city, NE

ZIP 69130 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 69130

Median Home Value
$143,900
Median Rent
$475
Affordability Snapshot
$40,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$924/mo PITI).

10%
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.

25.2 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 69130 in Cozad city, NE, a household would need roughly $40,000 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 $924. That sits below the local median household income ($58,264), 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
68.0%+4% vs US avg
x
Vacancy Rate
11.0%+7% vs US avg
x
Broadband Access
83.4%-4% vs US avg
x
4+ Bedrooms
1.4%-91% vs US avg
x
Built Pre-1939
7.7%-40% vs US avg
x
Built Post-2014
0.2%-97% vs US avg
x
Rent Burden >30%
20.6%-58% vs US avg
x
Mortgage-Free
51.2%+34% vs US avg
x
$143,900
Home Value
$475
Rent
1965
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 detached79.0%
  • 1-unit attached0.0%
  • 2-9 units4.2%
  • 10+ units7.5%
  • Mobile home & other9.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$143,900
Median rent$475
Owner-occupied68.0%
Vacant11.0%
Price-to-income2.5x
Est. income to buy$40,000