Mortgage Rates in Nebraska — April 2026
Compare current mortgage rates across 40 cities in Nebraska. The average 30-year fixed rate is 6.71%, which is 0.62% above the national average of 6.09%.
Nebraska Housing Highlights
All 40 Cities in Nebraska
| City | 30-Yr Rate | Home Price | Monthly P&I | Population |
|---|---|---|---|---|
| Omaha | 6.73% | $245,000 | $1,269 | 486,051 |
| Lincoln | 6.73% | $255,000 | $1,320 | 291,082 |
| Bellevue | 6.74% | $244,000 | $1,265 | 64,176 |
| Grand Island | 6.85% | $250,000 | $1,311 | 53,131 |
| Kearney | 6.47% | $215,000 | $1,084 | 33,464 |
| Chalco | 6.64% | $243,000 | $1,247 | 31,553 |
| Fremont | 6.04% | $195,000 | $939 | 26,397 |
| Hastings | 6.02% | $165,000 | $793 | 24,907 |
| Ashland | 6.86% | $265,000 | $1,391 | 24,823 |
| Norfolk | 6.75% | $201,000 | $1,043 | 24,523 |
| Papillion | 6.61% | $201,000 | $1,028 | 24,310 |
| Columbus | 6.75% | $206,000 | $1,069 | 24,046 |
| North Platte | 6.7% | $175,000 | $903 | 23,747 |
| Henderson | 6.72% | $172,500 | $892 | 19,903 |
| Auburn | 6.89% | $245,000 | $1,290 | 19,187 |
| La Vista | 6.82% | $222,000 | $1,160 | 18,005 |
| Scottsbluff | 6.64% | $206,000 | $1,057 | 14,657 |
| South Sioux City | 6.86% | $211,000 | $1,107 | 13,353 |
| Beatrice | 6.7% | $212,000 | $1,094 | 12,282 |
| Lexington | 6.76% | $183,000 | $951 | 10,230 |
| Elkhorn | 6.86% | $186,000 | $976 | 9,217 |
| Gering | 6.74% | $205,000 | $1,063 | 8,128 |
| Alliance | 6.67% | $200,000 | $1,029 | 8,121 |
| Blair | 6.8% | $202,000 | $1,054 | 7,990 |
| York | 6.74% | $176,000 | $912 | 7,862 |
| McCook | 6.71% | $205,000 | $1,059 | 7,573 |
| Crete | 6.74% | $176,000 | $912 | 7,350 |
| Ralston | 6.77% | $196,000 | $1,019 | 7,305 |
| Nebraska City | 6.64% | $174,000 | $893 | 7,289 |
| Seward | 6.63% | $219,000 | $1,122 | 7,210 |
| Sidney | 6.68% | $207,000 | $1,066 | 6,757 |
| Plattsmouth | 6.65% | $216,000 | $1,109 | 6,502 |
| Schuyler | 6.85% | $183,000 | $959 | 6,211 |
| Chadron | 6.76% | $197,000 | $1,023 | 5,616 |
| Wayne | 6.85% | $180,000 | $944 | 5,583 |
| Holdrege | 6.81% | $202,000 | $1,055 | 5,495 |
| Gretna | 6.79% | $215,000 | $1,120 | 5,039 |
| Ogallala | 6.86% | $164,000 | $861 | 4,737 |
| Falls City | 6.81% | $171,000 | $893 | 4,125 |
| Gothenburg | 6.78% | $194,000 | $1,010 | 3,574 |
Nebraska Mortgage Rates Guide — 2026
Nebraska homebuyers currently see an average 30-year fixed mortgage rate of 6.71%, with median home prices around $204,488. At these rates, the typical monthly mortgage payment (principal and interest with 20% down) is $1,057.
The most affordable city for homebuyers in Nebraska is Ogallala, where the median home price is $164,000. On the other end, Ashland has the highest prices at $265,000. Property tax rates across the state average 1.64%.
To comfortably afford a home at the state average price, a household income of approximately $45,300 is recommended, following the standard guideline that housing costs should not exceed 28% of gross income.
Use our free loan calculator to see your exact monthly payments and amortization schedule, or browse individual city pages below for localized rate data and market insights.
Frequently Asked Questions — Nebraska Mortgages
What are current mortgage rates in Nebraska?
As of April 2026, the average 30-year fixed mortgage rate in Nebraska is 6.71% and the 15-year fixed rate averages 5.95%. Rates vary by city, lender, and borrower qualification.
What is the average home price in Nebraska?
The median home price across 40 cities in Nebraska is $204,488. Prices range from $164,000 in Ogallala to $265,000 in Ashland.
How much income do I need to buy a house in Nebraska?
Based on the 28% debt-to-income guideline, you would need a household income of approximately $45,300 to comfortably afford the average home in Nebraska. The median household income in the state is approximately $58,133.
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