Nebraska Mortgage Calculator (2026)

Rates as of Oct 22 2026 · county tax data: ACS 2020–2024, released 2026-01-29

Statewide avg. effective tax rate
1.49%
Median home value
$266,000
Home insurance (est.)
$4,500/yr

Estimated PITI at the Nebraska median home price of $266,000, 20% down, 30-year fixed at 7.32%: $2,186/mo. The tax line uses Douglas County (Omaha)'s effective rate of 1.69% and insurance of $4,200/yr — the calculator's default county. Buyer's transfer tax: usually paid by seller (0.225% doc stamp).

Payment calculator

Loan type
$
%
$53,200 cash
%
30-yr fixed base 7.32% · credit adj +0.00% → 7.32% · PMMS Oct 22 2026
Loan term
Credit score
sets local tax & insurance
Picking a county updates the local property tax rate and insurance estimate — your home price stays as entered.
Advanced — HOA & extra payments
$
$
Estimated monthly payment
$2,186.41/mo
$2,186/mo
Principal & interest$1,461.79
Property tax$374.62
Home insurance$350.00
Covers principal & interest, property tax, insurance and mortgage insurance (when it applies). HOA counts only if entered above — left blank it is $0.
Loan amount$212,800
Down payment$53,200
LTV80%
Total interest$313,444
Payoff date…
Cash to close (estimate)
Down payment$53,200
Closing costs (2%–5%)$5,320 – $13,300
Est. cash needed$58,520 – $66,500
Transfer tax: 0.225% doc stampusually paid by seller
Nebraska puts the transfer tax on the seller, so it isn't part of your cash to close.
Using Douglas County (Omaha) effective rate 1.69% · insurance $4,200/yr
Amortization
Year 12
Principal paid
$37,589
Interest paid
$172,908
Still owed
$175,211
$400k$300k$200k$100k$0
08152330

All three lines are running totals since the loan started — not a breakdown of the monthly payment.

What local costs matter in Nebraska?

Effective property tax rate ~1.44% — sixth-highest in the U.S.
Documentary stamp tax ~0.225% on deeds, customarily seller-paid
Hail country: among the highest insurance premiums nationwide
Homestead exemption aids lower-income homeowners
All 93 Nebraska counties — property tax rates
CountyEffective tax rateProperty tax /moInsurance (est.)
Douglas County (Omaha)1.69%$$375$4,200/yr
Lancaster County (Lincoln)1.53%$$339$4,000/yr
Sarpy County1.74%$$386$4,100/yr
Hall County (Grand Island)1.39%$$308$4,300/yr
Adams County1.45%$$321$4,500/yr
Antelope County1.23%$$273$4,500/yr
Arthur County0.93%$$206$4,500/yr
Banner County1.26%$$279$4,500/yr
Blaine County1.14%$$253$4,500/yr
Boone County1.03%$$228$4,500/yr
Box Butte County1.51%$$335$4,500/yr
Boyd County1.1%$$244$4,500/yr
Show all 93 counties
CountyEffective tax rateProperty tax /moInsurance (est.)
Brown County1.1%$$244$4,500/yr
Buffalo County1.44%$$319$4,500/yr
Burt County1.32%$$293$4,500/yr
Butler County1.11%$$246$4,500/yr
Cass County1.43%$$317$4,500/yr
Cedar County1%$$222$4,500/yr
Chase County1.28%$$284$4,500/yr
Cherry County0.99%$$219$4,500/yr
Cheyenne County1.65%$$366$4,500/yr
Clay County1.2%$$266$4,500/yr
Colfax County1.18%$$262$4,500/yr
Cuming County1%$$222$4,500/yr
Custer County1.16%$$257$4,500/yr
Dakota County1.54%$$341$4,500/yr
Dawes County1.45%$$321$4,500/yr
Dawson County1.31%$$290$4,500/yr
Deuel County1.43%$$317$4,500/yr
Dixon County1.2%$$266$4,500/yr
Dodge County1.27%$$282$4,500/yr
Dundy County0.8%$$177$4,500/yr
Fillmore County0.99%$$219$4,500/yr
Franklin County1.28%$$284$4,500/yr
Frontier County1.4%$$310$4,500/yr
Furnas County1.38%$$306$4,500/yr
Gage County1.41%$$313$4,500/yr
Garden County1.01%$$224$4,500/yr
Garfield County1.35%$$299$4,500/yr
Gosper County1.05%$$233$4,500/yr
Grant County0.68%$$151$4,500/yr
Greeley County1.29%$$286$4,500/yr
Hamilton County0.95%$$211$4,500/yr
Harlan County1.29%$$286$4,500/yr
Hayes County1.01%$$224$4,500/yr
Hitchcock County1.17%$$259$4,500/yr
Holt County1.11%$$246$4,500/yr
Hooker County1.04%$$231$4,500/yr
Howard County1.16%$$257$4,500/yr
Jefferson County1.46%$$324$4,500/yr
Johnson County1.32%$$293$4,500/yr
Kearney County1.23%$$273$4,500/yr
Keith County1.41%$$313$4,500/yr
Keya Paha County1.29%$$286$4,500/yr
Kimball County1.67%$$370$4,500/yr
Knox County1.15%$$255$4,500/yr
Lincoln County1.47%$$326$4,500/yr
Logan County0.98%$$217$4,500/yr
Loup County0.71%$$157$4,500/yr
Madison County1.37%$$304$4,500/yr
McPherson County1.11%$$246$4,500/yr
Merrick County1.3%$$288$4,500/yr
Morrill County1.42%$$315$4,500/yr
Nance County1.1%$$244$4,500/yr
Nemaha County1.44%$$319$4,500/yr
Nuckolls County1.17%$$259$4,500/yr
Otoe County1.33%$$295$4,500/yr
Pawnee County1.52%$$337$4,500/yr
Perkins County1%$$222$4,500/yr
Phelps County1.32%$$293$4,500/yr
Pierce County1.14%$$253$4,500/yr
Platte County1.29%$$286$4,500/yr
Polk County0.99%$$219$4,500/yr
Red Willow County1.18%$$262$4,500/yr
Richardson County1.43%$$317$4,500/yr
Rock County1.07%$$237$4,500/yr
Saline County1.35%$$299$4,500/yr
Saunders County1.3%$$288$4,500/yr
Scotts Bluff County1.48%$$328$4,500/yr
Seward County1.18%$$262$4,500/yr
Sheridan County1.37%$$304$4,500/yr
Sherman County1.16%$$257$4,500/yr
Sioux County1.63%$$361$4,500/yr
Stanton County1.26%$$279$4,500/yr
Thayer County1.03%$$228$4,500/yr
Thomas County1.25%$$277$4,500/yr
Thurston County1.47%$$326$4,500/yr
Valley County1.32%$$293$4,500/yr
Washington County1.39%$$308$4,500/yr
Wayne County1.12%$$248$4,500/yr
Webster County1.45%$$321$4,500/yr
Wheeler County0.79%$$175$4,500/yr
York County1.19%$$264$4,500/yr
Nebraska state average1.49%$$330$4,500/yr
Monthly tax is estimated on a $266,000 home — the price in the calculator above. Effective rates — U.S. Census Bureau, ACS 2024 (5-yr).

† Rates marked with ≥ are conservative estimates. ACS suppresses median tax values above $10,001 for privacy, which makes the calculated rate a lower bound — the true rate is higher in Manhattan, parts of Long Island, northern New Jersey and other high-cost areas.

How Nebraska compares

Nebraska's statewide average effective rate is 1.49% — the 7th highest of the 51 covered here (the 50 states and DC), against a median of 0.8%. On the $266,000 home the calculator starts with, that is about $330 a month in property tax before any other cost. Property taxes by state ranks all 51 with median bills attached.

A state average hides the part that changes the bill. The county rows above run from 0.68% in Grant County to 1.74% in Sarpy County — roughly $235 a month apart on the same $266,000 home. That is why the county picker moves the payment more than the state picker does.

Insurance is the other line that follows the address: this page prices $4,500 a year as a state-level estimate, and home insurance by state covers how premiums are set and where they run highest. Below 20% down, PMI adds a third variable until the balance is back to 80% of the value.

The states nearest Nebraska in the ranking are New York (1.55%) and Wisconsin (1.42%).

Nebraska mortgage FAQ

How much down payment do I need to buy a house in Nebraska?

Conventional loans start at 3% down, but anything under 20% requires PMI until you reach 20% equity — PMI auto-cancels at 78% of the original home value under the Homeowners Protection Act. FHA loans start at 3.5% down, and VA / USDA loans offer 0% down for eligible borrowers. Those are the national minimums: a lender can set a higher floor for this state or for a given loan size.

Why do property taxes vary so much within Nebraska?

Property taxes are layered by county, city and school district, so the effective rate differs block by block. The Nebraska state average is about 1.49%, but counties in our table above range widely — always confirm the exact bill with the local County Assessor.

When does PMI go away?

Under the Homeowners Protection Act (1998) you can request PMI removal at 80% LTV, and lenders must automatically cancel it when the balance reaches 78% of the original home value. This calculator estimates that month for you and shows the lower payment after PMI drops.

Does this calculator include home insurance for Nebraska?

Yes. The calculator pre-fills a typical Nebraska premium of about $4,500 per year and updates it when you switch counties. Hail alley country: hail and tornado claims are frequent enough to rank Nebraska among the pricier Midwest states. Get real quotes before budgeting.

More free mortgage tools

affordability calculator — how much house can I afford →refinance calculator — break-even & savings →closing cost calculator — cash to close by state →
Sources

Freddie MacU.S. Census BureauFannie MaeU.S. Department of Housing and Urban Development (HUD)U.S. Department of Veterans AffairsPrivate mortgage insurersNAICState statutes and departments of revenue

Results are estimates for planning only and are not a loan approval. Property tax rates and insurance premiums vary by county, ZIP code, home age and coverage — confirm with the local County Assessor and insurer quotes. Rate default: Freddie Mac PMMS 30-yr fixed (7.32%, Oct 22 2026); the 20-yr default is an estimate derived from the PMMS 30-yr/15-yr spread (PMMS has no 20-yr series). Conventional credit pricing adds Fannie Mae loan-level price adjustments (effective 2026-10-01) on top of that base, anchored at the 740–759 tier, and PMI comes off a credit × LTV rate card — both are central estimates, not quotes. Loan minimums shown here are the national programs' floor; a lender may set a higher down payment, rate or fee for this state or this loan.