Mortgage Rates in Holdrege, Nebraska — March 2026
Updated March 2026 | Based on Holdrege market data and regional lending conditions
Holdrege is a growing city in Nebraska with a population of 5,495. The current 30-year fixed mortgage rate in Holdrege is 6.81%, which is 0.16% above the national average. With a median home price of $202,000 and a 20% down payment of $40,400, homebuyers can expect a monthly principal and interest payment of approximately $1,055.
Current Mortgage Rates in Holdrege, NE
Below are the current average mortgage rates available in the Holdrege area as of March 2026. Rates vary by lender, credit score, and loan-to-value ratio. Use our free calculator above to see your personalized estimate.
| Loan Type | Rate | National Avg | Difference |
|---|---|---|---|
| 30-Year Fixed | 6.81% | 6.65% | +0.16% |
| 15-Year Fixed | 6.04% | 5.89% | +0.15% |
| 5/1 ARM | 6.29% | 6.15% | +0.14% |
| FHA | 6.53% | 6.25% | +0.28% |
| VA | 6.28% | 6.05% | +0.23% |
| Jumbo | 7.06% | 6.85% | +0.21% |
Holdrege Housing Market Overview
The Holdrege housing market offers relatively affordable housing compared to many major cities. The median household income in Holdrege is $62,800, and the cost of living index is 80.9 (national average = 100). Based on the 28% affordability rule, the median income in Holdrege is sufficient to afford the median-priced home.
Monthly Payment Breakdown for Holdrege
Based on the median home price of $202,000 with 20% down ($40,400), here is what you can expect to pay monthly in Holdrege:
15-Year vs. 30-Year Mortgage in Holdrege
Choosing a 15-year mortgage in Holdrege at 6.04% instead of a 30-year at 6.81% would save you $133,740 in total interest over the life of the loan. However, your monthly payment would be $1,367 instead of $1,055 — an increase of $312 per month.
Calculate Your Holdrege Mortgage Payment
Use our free calculator to get a personalized estimate based on your loan amount, interest rate, and term.
Open Free CalculatorFrequently Asked Questions About Mortgages in Holdrege
What are the current mortgage rates in Holdrege, NE?
As of March 2026, the average 30-year fixed mortgage rate in Holdrege, Nebraska is 6.81%, while the 15-year fixed rate is 6.04%. FHA loans average 6.53% and VA loans 6.28%. These rates are 0.16% above the national average of 6.65%.
How much is a monthly mortgage payment in Holdrege?
Based on the median home price of $202,000 with 20% down, the estimated monthly mortgage payment in Holdrege is $1,055 for principal and interest. Including property taxes of $259/month, the total monthly housing cost is approximately $1,314.
What income do I need to buy a home in Holdrege?
Using the 28% rule, you would need an annual income of approximately $56,314 to afford the median-priced home in Holdrege at $202,000. The median household income in Holdrege is $62,800. The median income is currently sufficient to meet this threshold.
Is Holdrege a good place to buy a home in 2026?
Holdrege offers a below-average cost of living with a cost of living index of 80.9 (national average = 100). The property tax rate in Nebraska is 1.54%, which is above the national average. Holdrege has a population of 5,495 and offers a very affordable lifestyle.
Mortgage Rates in Other Nebraska Cities
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Last updated: March 2026. Rates are approximate averages based on regional lending data for the Holdrege, Nebraska area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.