Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$175,060+2.1% YoY · prices are rising
Market right nowBuyer's marketMore homes for sale than last year, 0% have cut their price
Income needed to buy, per year$37,949About 0.7× the local median income ($50,767): affordable for a typical household
Days on market154 daysSlower than a year ago: buyers have time to negotiate
The typical home in Garden County, NE is worth $175,060, up 2.1% from a year ago. That is well above what local incomes have historically supported: fair value is about $156,773, so the area is 11.7% overvalued. It is a buyer's market: homes take about 154 days to sell, listings are up 44% from a year ago, 0% of listings have had a price cut. A household needs about $37,949 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 $50,767. In the latest IRS figures, 27 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
$175,060
Change in 1 year
+2.1%
Overvalued %
+11.7%
Show 6 more
Fair home value
$156,773
Change in 5 years
+15.4%
Home value to income
3.4×
Monthly mortgage payment (20% down)
$949
Income needed to afford it
$37,949
Property tax rate
1.01%
Rent and investing
HUD Fair Market Rent, 2 bedrooms
$1,014
Market activity
Listings vs a year ago
+44.4%
Days on market
154
Listings with a price cut
0.0%
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Homes for sale
13
Pending sales per 100 listings
8
Asking price per sq ft
$97
People and jobs
Median household income
$50,767
Population change (1 year)
−0.4%
Unemployment rate
5.4%
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Population
1,804
Income adjusted for cost of living
$58,826
Net moves in (IRS)
−27
Cost of living (US = 100)
86.3
Schools, risk and environment
School rating (1 to 10)
4.6
FEMA hazard risk score (0 to 100)
2.8
Unhealthy air days a year
0
Show 4 more
Flood risk score
2.8
Wildfire risk score
62.4
Walkability (1 to 20)
6.3
Road, rail and air noise
51 dB
Questions people ask
Is Garden County, NE overvalued?
Home prices in Garden County, NE are well above what local incomes have historically supported: fair value is about $156,773, so the area is 11.7% overvalued.
Is Garden County, NE a buyer's or seller's market?
Garden County, NE is a buyer's market: homes take about 154 days to sell, listings are up 44% from a year ago, 0% of listings have had a price cut.
Are home prices going down in Garden County, NE?
Home values in Garden County, NE are up 2.1% over the last year.
How much do you need to earn to buy a home in Garden County, NE?
A household needs about $37,949 a year to afford the typical home in Garden County, NE at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $50,767.