Housing decision brief
Scotts Bluff County, NE Housing Market
Scotts Bluff County screens as a higher purchase price, rent that needs comparison, a higher tax-rate signal market. Use the page as a decision brief, not just a price lookup, because local income, taxes, and data confidence change how affordable the county really is.
57th lowest home value out of 93 Nebraska counties with data | 76th lowest rent out of 93
Median home value
$161,400
Purchase-price signal from Census ACS.
Median rent
$889/mo
Gross rent, including utilities where reported.
Monthly owner cost
$974/mo
Owner costs before individual loan terms.
Decision snapshot
Read this county in four signals.
Buy screen
2.6x
Median home value divided by local household income.
Rent burden
30.0%
At or above the 30% burden threshold.
Rent vs own
$85/mo
Median rent screens below owner cost.
Data confidence
1 note
Crime coverage is partial, so safety comparisons need source context.
What Works
No signal
No strong positive housing signal was available in the current dataset.
What to Check
Lower income base
$60,960 median income is 7% below Nebraska county median
Tax rate needs attention
1.49% effective property-tax rate is 18% above Nebraska county median
Crime data coverage
Crime data coverage is partial. Treat zero or low crime rates as incomplete until you check the source coverage.
Best Fit For
- Buyers comparing homes to local incomes
Poor Fit For
- Households dependent on a deep local wage market
- Buyers focused only on purchase price and ignoring annual property tax
- Anyone treating reported crime rates as complete without source context
County vs State vs National
The county number only matters after you see the benchmark. These comparisons show where Scotts Bluff County is genuinely cheap, where it is average, and where the hidden cost may be.
| Metric | County | State | U.S. | Signal |
|---|---|---|---|---|
Median home value Lower usually helps affordability. | $161,400 | $146,300 | $281,900 | 10% pressure10% above Nebraska county median |
Median gross rent Lower usually helps affordability. | $889 | $772 | $1,163 | 15% pressure15% above Nebraska county median |
Monthly owner cost Lower usually helps affordability. | $974 | $791 | $1,672 | 23% pressure23% above Nebraska county median |
Median household income | $60,960 | $65,438 | $74,755 | 7% pressure7% below Nebraska county median |
Effective property-tax rate Lower usually helps affordability. | 1.49% | 1.26% | 1.02% | 18% pressure18% above Nebraska county median |
Rent burden Lower usually helps affordability. | 30.00% | 23.00% | N/A | 30% pressure30.00% of renter income goes to rent. |
Income Fit
A low price only helps if local income can carry the monthly cost. This panel compares the county income base with rent and owner-cost thresholds.
Rent cushion
+$25,400
Median income minus rent threshold.
Owner cushion
+$19,217
Median income minus owner-cost threshold.
Affordability Advisory
This turns the raw housing numbers into income and buy-versus-rent screens.
Affordability verdict
For renters in Scotts Bluff County, the market is affordable. Expect to pay around $889/month in gross rent, with 30.0% of renter households considered cost-burdened.
Rent vs own
The median rent in Scotts Bluff County is $889/month, while owner costs run $974/month. Renting saves approximately $85/month.
Income needed
To afford the median rent without exceeding 30% of gross income, a household needs to earn approximately $35,560/year. For owner costs at the 28% rule, the required income is roughly $41,743/year. With a median household income of $60,960, most households can comfortably afford rent here. Notably, 30.0% of renter households in Scotts Bluff County are cost-burdened, spending more than 30% of income on housing.
Regional context
Compared to Saline County where rent averages $833/month, Scotts Bluff County is approximately 7% more expensive.
Better Counties to Compare
Similar counties are matched on home value, rent, income, and state context. This is more useful than a simple nearest-price list.
| County | Home Value | Rent | Why compare |
|---|---|---|---|
| Dawson County, NE | $157,800 | $861/mo | Same-state comparison near $157,800 home value and $861/mo rent. |
| Custer County, NE | $160,500 | $794/mo | Same-state comparison near $160,500 home value and $794/mo rent. |
| Lincoln County, NE | $183,100 | $867/mo | Same-state comparison near $183,100 home value and $867/mo rent. |
| Merrick County, NE | $168,000 | $772/mo | Same-state comparison near $168,000 home value and $772/mo rent. |
| Keith County, NE | $157,000 | $772/mo | Same-state comparison near $157,000 home value and $772/mo rent. |
Data Confidence
- Crime coverage is partial, so safety comparisons need source context.
Next Checks
Housing Questions for Scotts Bluff County
Is Scotts Bluff County affordable for buying a home?
Is renting or owning cheaper in Scotts Bluff County?
How much income do you need for housing in Scotts Bluff County?
What should I double-check before moving to Scotts Bluff County?
Data: U.S. Census Bureau, American Community Survey (ACS) 5-Year Estimates (2019-2023) — Informational only. Not financial or legal advice.