Otoe County, NE Average Home Price (2026)
The average home price in Otoe County, Nebraska is about $272,000 (the 2026 median across 9 ZIP codes, at ~$146/sq ft) — 16% more expensive than the Nebraska median and 6% more affordable than the typical U.S. home.
How Otoe County compares
Otoe County is about average for housing nationally: its typical home costs $272,000 against $234,000 for Nebraska and $289,000 for the U.S. Within the county, ZIP-level values run from about $181,000 to $350,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Otoe County | $272,000 | $146 |
| Nebraska | $234,000 | $139 |
| United States | $289,000 | $193 |
Otoe County home prices by ZIP code
The 9 most valuable ZIP codes in Otoe County (of 9 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 68418 Palmyra | $350,000 | $268 | +29% |
| 68324 Burr | $289,000 | $148 | +6% |
| 68454 Unadilla | $282,000 | $63 | +4% |
| 68346 Dunbar | $279,000 | $168 | +3% |
| 68446 Syracuse | $272,000 | $146 | +0% |
| 68344 Douglas | $248,000 | $260 | -9% |
| 68410 Nebraska City | $200,000 | $143 | -26% |
| 68417 Otoe | $185,000 | $98 | -32% |
| 68448 Talmage | $181,000 | $86 | -33% |
Home value appreciation in Otoe County
Home prices in Otoe County have risen about 85% over the last 10 years (≈6.3% a year) and +103.9% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +5.6% — still rising. A home worth $272,000 today was worth roughly $147,107 ten years ago.
See where that trend takes a specific home with the home appreciation calculator — statewide, Nebraska is +87.0% over the same 10 years. Past appreciation is a track record, not a forecast; local prices can fall.
Calculators for Otoe County
Run the numbers for Otoe County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Otoe County
To buy the typical $272,000 home in Otoe County with 20% down, you need a household income of roughly $74,000 a year (about $1,730 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $88,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $13,600 | $2,150/mo | $92,000/yr |
| 10% (+PMI) | $27,200 | $2,050/mo | $88,000/yr |
| 20% | $54,400 | $1,730/mo | $74,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in Otoe County
At about $146 per square foot, here is roughly how much home different budgets get you in Otoe County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 1030 sq ft | below the local median — condos, smaller or older homes |
| $200k | 1370 sq ft | below the local median — condos, smaller or older homes |
| $250k | 1710 sq ft | around the typical home here |
| $300k | 2050 sq ft | around the typical home here |
| $400k | 2740 sq ft | above the median — larger homes or the pricier ZIPs |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens filtered to Nebraska.
Estimate a specific home in Otoe County
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Otoe County home prices: frequently asked
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Browse all Nebraska cities and counties, or look up price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research; FHFA house price index; Census ZIP-to-county relationships), not appraisals.