Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$128,465−1.4% YoY · prices are falling
Market right nowBuyer's marketMore homes for sale than last year, 0% have cut their price
Income needed to buy, per year$27,848About 0.5× the local median income ($61,388): affordable for a typical household
Days on market81 daysFaster than a year ago: sellers have the edge
The typical home in Boyd County, NE is worth $128,465, down 1.4% from a year ago. That is well below what local incomes have historically supported: fair value is about $189,090, so the area is 32.1% undervalued. It is a buyer's market: homes take about 81 days to sell, listings are up 100% from a year ago, 0% of listings have had a price cut. A household needs about $27,848 a year to afford the typical home here at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $61,388. In the latest IRS figures, 8 more people moved out than in.
Home value over time
Solid: typical home value · dashed: fair value (household income × the 20-year average price-to-income ratio). Sources: FHFA, Zillow, U.S. Census Bureau.
Prices and affordability
Typical home value
$128,465
Change in 1 year
−1.4%
Overvalued %
−32.1%
Show 6 more
Fair home value
$189,090
Change in 5 years
−24.9%
Home value to income
2.1×
Monthly mortgage payment (20% down)
$696
Income needed to afford it
$27,848
Property tax rate
1.10%
Rent and investing
HUD Fair Market Rent, 2 bedrooms
$1,014
Market activity
Listings vs a year ago
+100.0%
Days on market
81
Listings with a price cut
0.0%
Show 3 more
Homes for sale
6
Pending sales per 100 listings
17
Asking price per sq ft
$112
People and jobs
Median household income
$61,388
Population change (1 year)
−2.6%
Unemployment rate
2.3%
Show 4 more
Population
1,674
Income adjusted for cost of living
$71,133
Net moves in (IRS)
−8
Cost of living (US = 100)
86.3
Schools, risk and environment
School rating (1 to 10)
6.9
FEMA hazard risk score (0 to 100)
3.4
Flood risk score
6.0
Show 3 more
Wildfire risk score
52.4
Walkability (1 to 20)
6.6
Road, rail and air noise
54 dB
Questions people ask
Is Boyd County, NE overvalued?
Home prices in Boyd County, NE are well below what local incomes have historically supported: fair value is about $189,090, so the area is 32.1% undervalued.
Is Boyd County, NE a buyer's or seller's market?
Boyd County, NE is a buyer's market: homes take about 81 days to sell, listings are up 100% from a year ago, 0% of listings have had a price cut.
Are home prices going down in Boyd County, NE?
Home values in Boyd County, NE are down 1.4% over the last year.
How much do you need to earn to buy a home in Boyd County, NE?
A household needs about $27,848 a year to afford the typical home in Boyd County, NE at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $61,388.