Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$196,514+3.2% YoY · prices are rising fast
Market right nowSeller's marketFewer homes for sale than last year, 17% have cut their price
Income needed to buy, per year$42,600About 0.7× the local median income ($64,569): affordable for a typical household
Days on market64 daysFaster than a year ago: sellers have the edge
The typical home in Scotts Bluff County, NE is worth $196,514, up 3.2% from a year ago. That is slightly above what local incomes have historically supported: fair value is about $184,701, so the area is 6.4% overvalued. It is a seller's market: homes take about 64 days to sell, listings are down 23% from a year ago, 17% of listings have had a price cut. A household needs about $42,600 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 $64,569. Typical rent is $943 a month. In the latest IRS figures, 17 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
$196,514
Change in 1 year
+3.2%
Overvalued %
+6.4%
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Fair home value
$184,701
Change in 5 years
+29.8%
Home value to income
3.0×
Monthly mortgage payment (20% down)
$1,065
Income needed to afford it
$42,600
Property tax rate
1.48%
Rent and investing
Typical rent
$943
Price-to-rent ratio
17.4×
HUD Fair Market Rent, 2 bedrooms
$1,023
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Gross rental yield
5.76%
Cap rate (estimate)
3.74%
Market activity
Listings vs a year ago
−23.1%
Days on market
64
Listings with a price cut
16.6%
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Homes for sale
80
Pending sales per 100 listings
46
Asking price per sq ft
$170
People and jobs
Median household income
$64,569
Population change (1 year)
−0.2%
Unemployment rate
2.7%
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Population
35,586
Income adjusted for cost of living
$74,819
Net moves in (IRS)
−17
Cost of living (US = 100)
86.3
Schools, risk and environment
School rating (1 to 10)
4.4
FEMA hazard risk score (0 to 100)
63.8
Unhealthy air days a year
0
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Flood risk score
48.0
Wildfire risk score
64.2
Walkability (1 to 20)
7.6
Road, rail and air noise
51 dB
Questions people ask
Is Scotts Bluff County, NE overvalued?
Home prices in Scotts Bluff County, NE are slightly above what local incomes have historically supported: fair value is about $184,701, so the area is 6.4% overvalued.
Is Scotts Bluff County, NE a buyer's or seller's market?
Scotts Bluff County, NE is a seller's market: homes take about 64 days to sell, listings are down 23% from a year ago, 17% of listings have had a price cut.
Are home prices going down in Scotts Bluff County, NE?
Home values in Scotts Bluff County, NE are up 3.2% over the last year.
How much do you need to earn to buy a home in Scotts Bluff County, NE?
A household needs about $42,600 a year to afford the typical home in Scotts Bluff County, NE at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $64,569.