Nebraska mortgage calculator

This mortgage calculator will help you estimate the costs of your mortgage loan. Get a clear breakdown of your potential mortgage payments with taxes and insurance included.
Nebraska housing market
Nebraska, the Cornhusker State, is one of the most affordable housing markets in the country, with the median homeowner spending ~18% of their income on their homes. However, home affordability in Nebraska is starting to change as housing prices in the state have risen rapidly since 2013, trailing only Colorado, North Dakota, the District of Columbia, Texas, and South Dakota. Unlike most states, Nebraska's housing prices have increased most dramatically outside of major metropolitan areas.

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Your monthly payment
30 year fixed loan term
Principal & interest


Property taxes

Homeowners insurance

Homeowners association (HOA) fees

Principal & interest


Property taxes

Homeowners insurance

Homeowners association (HOA) fees

Compare common loan types
Total principal: $240,000
Loan Term
30-year fixed
Your Input
15-year fixed
30-year fixed
Total Monthly Payment$1,599$2,066$1,526
Mortgage Rate4.125%2.765%*3.594%*
Total interest paid$178,737$53,473$152,522
* Data source: ©Zillow, Inc. 2006 – 2022. Use is subject to the Terms of Use
See how your payments change over time for your 30-year fixed loan term
At year 0
30 year fixed loan term

Principal Paid
Interest Paid
Year 0
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Nebraska mortgage and refinance rates today (APR)

ProductInterest rateAPR
30-year fixed-rate3.580%3.659%
20-year fixed-rate3.322%3.427%
15-year fixed-rate2.643%2.784%
10-year fixed-rate2.231%2.374%
7/1 ARM2.750%2.879%
5/1 ARM2.672%2.863%
30-year fixed-rate FHA4.625%5.540%
30-year fixed-rate VA3.232%3.547%

Data source: ©Zillow, Inc. 2006 – 2021. Use is subject to the Terms of Use

Today's rate

30-year fixed

Today’s mortgage rates in Nebraska are 3.659% for a 30-year fixed, 2.784% for a 15-year fixed, and 2.863% for a 5/1 adjustable-rate mortgage (ARM).

Getting ready to buy a home? We’ll find you a highly rated lender in just a few minutes.

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First-time home buyer programs in Nebraska

There are several national first-time home buyer programs that may be able to help you get into a home in Nebraska.

Conventional mortgage

National program

What you need to know

Best for home buyers with good credit looking for low down payments or limited mortgage insurance premiums. A conventional mortgage is a home loan that isn’t guaranteed or insured by the federal government. Conventional mortgages that conform to the requirements set forth by Fannie Mae and Freddie...

See full article

Average property tax in Nebraska counties

Taking U.S. Census data, NerdWallet has crunched the numbers to help you understand what property tax rate you can expect to pay on your future home in Nebraska. Because assessed values aren’t frequently updated, you may pay a higher rate at first but eventually you’ll pay a similar rate.

Avg. property tax rate
Avg. home value
Adams County1.64%$115,300
Antelope County1.41%$78,500
Arthur County1.35%$101,500
Banner County1.25%$137,200
Blaine County1.05%$85,900
Boone County1.17%$105,600
Box Butte County1.5%$105,400
Boyd County1.2%$63,800
Brown County1.49%$80,200
Buffalo County1.42%$161,200
Burt County1.61%$91,600
Butler County1.32%$111,500
Cass County1.68%$166,200
Cedar County1.14%$113,600
Chase County1.36%$109,900
Cherry County1.03%$119,800
Cheyenne County1.91%$114,100
Clay County1.5%$85,000
Colfax County1.4%$94,300
Cuming County1.28%$113,200
Custer County1.31%$92,800
Dakota County1.63%$116,400
Dawes County1.37%$107,500
Dawson County1.6%$101,000
Deuel County1.42%$76,300
Dixon County1.19%$87,600
Dodge County1.44%$119,600
Douglas County1.88%$167,600
Dundy County1.06%$73,900
Fillmore County1.05%$76,100
Franklin County1.08%$62,000
Frontier County1.35%$98,200
Furnas County1.41%$65,300
Gage County1.47%$108,800
Garden County1.23%$81,800
Garfield County1.43%$96,100
Gosper County1.54%$116,300
Grant County1.11%$55,300
Greeley County1.35%$69,400
Hall County1.7%$136,500
Hamilton County1.17%$136,200
Harlan County1.47%$83,200
Hayes County1.09%$77,500
Hitchcock County1.27%$58,400
Holt County1.25%$102,900
Hooker County1.58%$85,800
Howard County1.43%$119,600
Jefferson County1.38%$75,500
Johnson County1.55%$82,200
Kearney County1.25%$128,600
Keith County1.37%$108,400
Keya Paha County1.46%$72,000
Kimball County2.05%$83,200
Knox County1.14%$85,100
Lancaster County1.67%$179,400
Lincoln County1.58%$130,800
Logan County1.15%$110,900
Loup County1.02%$159,100
Madison County1.42%$126,100
McPherson County0.43%$137,500
Merrick County1.46%$90,900
Morrill County1.54%$87,400
Nance County1.38%$80,400
Nemaha County1.39%$114,600
Nuckolls County0.89%$62,300
Otoe County1.45%$130,700
Pawnee County1.24%$71,100
Perkins County0.97%$105,600
Phelps County1.36%$120,000
Pierce County1.38%$102,600
Platte County1.39%$136,600
Polk County1.36%$100,200
Red Willow County1.42%$91,500
Richardson County1.34%$69,300
Rock County1.4%$83,700
Saline County1.56%$95,000
Sarpy County2.04%$195,700
Saunders County1.51%$159,400
Scotts Bluff County1.52%$116,600
Seward County1.43%$159,700
Sheridan County1.27%$70,900
Sherman County1.23%$85,400
Sioux County0.96%$103,200
Stanton County1.18%$111,900
Thayer County1.31%$67,500
Thomas County1.11%$82,300
Thurston County1.1%$79,100
Valley County1.62%$92,700
Washington County1.51%$182,400
Wayne County1.3%$133,000
Webster County1.37%$75,600
Wheeler County0.83%$104,300
York County1.36%$128,400

Source: American Communities Survey 2016, U.S. Census

Under "Home price," enter the price (if you're buying) or the current value (if you're refinancing). NerdWallet also has a .

Under "Down payment," enter the amount of your down payment (if you’re buying) or the amount of equity you have (if refinancing). A  is the cash you pay upfront for a home, and  is the value of the home, minus what you owe.

On desktop, under "Interest rate" (to the right), enter the rate. Under "Loan term," click the plus and minus signs to adjust the length of the mortgage in years.

On mobile devices, tap "Refine Results" to find the field to enter the rate and use the plus and minus signs to select the "Loan term."

You may enter your own figures for  and , if you don’t wish to use NerdWallet’s estimates. Edit these figures by clicking on the amount currently displayed.

The mortgage calculator lets you click "Compare common loan types" to view a comparison of different loan terms. Click "Amortization" to see how the principal balance, principal paid (equity) and total interest paid change year by year. On mobile devices, scroll down to see "Amortization."

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The mortgage payment calculation looks like this: M = P [ i(1 + i)^n ] / [ (1 + i)^n – 1]

The variables are as follows:

Determining what your monthly house payment will be is an important part of figuring out how much house you can afford. That monthly payment is likely to be the biggest part of your cost of living.

Using NerdWallet’s mortgage calculator lets you estimate your mortgage payment when you buy a home or refinance. You can change loan details in the calculator to run scenarios. The calculator can help you decide:

Mortgage lenders are required to assess your ability to repay the amount you want to borrow. A lot of factors go into that assessment, and the main one is debt-to-income ratio.

Your  is the percentage of pretax income that goes toward monthly debt payments, including the mortgage, car payments, student loans, minimum credit card payments and child support. Lenders look most favorably on debt-to-income ratios of 36% or less — or a maximum of $1,800 a month on an income of $5,000 a month before taxes.

» MORE: 

If your mortgage payment included just principal and interest, you could use a bare-bones mortgage calculator. But most mortgage payments include other charges as well. Here are the key components of the monthly mortgage payment:

Typically, when you belong to a homeowners association, the dues are billed directly, and it's not added to the monthly mortgage payment. Because HOA dues can be easy to forget, they're included in NerdWallet's mortgage calculator.

The mortgage calculator lets you test scenarios to see how you can reduce the monthly payments:

Your monthly payment can go up over time if: