State rental market reference · Data updated October 18, 2026
Nebraska rental market for DSCR investors: rent, taxes and insurance by county
What a rental in Nebraska rents for, what it costs to carry, and whether it stays rented, from official data for all 93 counties. Read it before you price a deal here.
Nebraska at a glance
What does a rental rent for?
$1,230 a month
HUD's FY2027 2-bedroom Fair Market Rent where most of Nebraska's renters live, from $1,014 (Adams County) to $1,450 (Washington County). It is the government figure for a modest 2-bedroom unit, utilities included, not the rent for a house.
What will property taxes cost?
1.49% of value a year
Homeowners in Nebraska pay a median $3,549 a year on a median home value of $238,600 (Census ACS 2020–2024). A rental can be taxed at a different rate than an owner's home; the local tax bill is the real number.
What will insurance cost?
$1,750 a year
The median that homeowners with a mortgage in Nebraska report paying for homeowners insurance (Census ACS 2020–2024). It is not a landlord quote: a rental policy usually costs more, and flood cover is extra.
Will it stay rented?
4.3% rental vacancy
Share of Nebraska's rental homes vacant and for rent (Census ACS 2020–2024), across 266,969 renter households. Lower means rentals fill faster.
Are jobs growing?
Employment down 0.4% in a year
Employed residents in August 2026 against a year earlier; unemployment 2.8% (BLS, not seasonally adjusted, so compare the same month a year apart).
Is new supply coming?
10,596 homes permitted in 2025
About 13.3 new homes per 1,000 households; 52% single-family (Census Building Permits Survey). More new homes means more competition for tenants and buyers.
How often does it flood?
2,925 flood claims since 2005
National Flood Insurance Program claims on properties in Nebraska since 2005, $78.6 million paid (FEMA). Claims show where water has reached insured buildings; they are not a flood map, so check the FEMA flood zone for the address.
What it means for a DSCR rental in Nebraska
A lender's DSCR is the monthly rent divided by the full monthly payment: principal, interest, property taxes, insurance and any HOA dues. Many lenders accept 1.00x; 1.20x leaves a cushion.
Take a home at Nebraska's median value of $238,600, bought with 25% down on a 7.5% 30-year loan, with the state's typical tax rate and insurance:
- Principal and interest ($178,950 loan)
- $1,251
- Property taxes
- $296
- Insurance
- $146
- Full monthly payment
- $1,693
- Rent for a 1.20x DSCR
- $2,030 a month
The government 2-bedroom figure where most of Nebraska's renters live is $1,230 a month, below the $2,030 that home needs. A house usually rents for more than a 2-bedroom unit, so price the house you are looking at with its own rent. The last column of the table below gives the same figure for each county.
Rules and costs a landlord faces in Nebraska
Each line quotes the official source it comes from and the date it was last checked. These are general rules, not legal advice; local rules can add to them.
- How long before you can file to evict for unpaid rent?
7 calendar days' notice for unpaid rent before an eviction can be filed.
the tenant fails to pay rent within seven calendar days after written notice by the landlord of nonpayment and his or her intention to terminate the rental agreement if the rent is not paid within that period of time
Nebraska Legislature, checked October 19, 2026
- How large a security deposit can you take?
Up to one month's rent.
A landlord may not demand or receive security, however denominated, in an amount or value in excess of one month's periodic rent, except that a pet deposit not in excess of one-fourth of one month's periodic rent may be demanded or received when appropriate
Nebraska Legislature, checked October 19, 2026
- How fast must the deposit come back?
Within 14 days after the tenancy ends.
The balance, if any, and a written itemization shall be delivered or mailed to the tenant within fourteen days after the date of termination of the tenancy.
Nebraska Legislature, checked October 19, 2026
- Can rents be capped?
State law bars cities and counties from capping rents.
Except as expressly permitted by other state law or by subsection (3) of this section, a local government shall not have the power to enact or enforce any ordinance which would have the effect of imposing rent controls on private property.
Nebraska Legislature, checked October 19, 2026
- What does the state charge to record a purchase?
State tax: $3.32 for each $1,000 of value (or fraction thereof).
As of July 18, 2026, the tax rate is $3.32 for each $1,000 of value (or fraction thereof) of the real estate transferred.
Nebraska Department of Revenue, checked October 19, 2026
- Is a rental taxed like the owner's home?
A rental does not get the owner's homestead benefit.
Homestead shall mean either (1) a residence or mobile home, and the land surrounding it, not exceeding one acre, in this state actually occupied as such by a natural person who is the owner of record thereof from January 1 through August 15 in each year
Nebraska Legislature, checked October 19, 2026
Market hubs in Nebraska
DSCRInfo does not publish a monthly market hub in Nebraska yet. The figures above and the table below cover every county; the market hubs cover other states.
Nebraska by county
All 93 counties, most renter households first. "Rent for 1.20x" is the monthly rent a home at that county's median value needs on the example loan above. A dash means the source publishes no reliable figure there.
| County | 2-bed FMR | Property tax | Insurance / yr | Rental vacancy | Jobs, 1 yr | Permits | Flood claims | Rent for 1.20x |
|---|---|---|---|---|---|---|---|---|
| Douglas County | $1,450 | 1.69% | $1,860 | 5.1% | +0.3% | 3,963 | 420 | $2,310 |
| Lancaster County | $1,230 | 1.53% | $1,620 | 3.5% | -0.2% | 2,346 | 228 | $2,310 |
| Sarpy County | $1,450 | 1.74% | $1,910 | 3.9% | +0.4% | 1,594 | 305 | $2,710 |
| Hall County | $1,210 | 1.39% | $1,560 | 2.2% | +0.0% | 203 | 71 | $1,880 |
| Buffalo County | $1,097 | 1.44% | $2,000 | 1.8% | +0.0% | 132 | 56 | $2,110 |
| Lincoln County | $1,099 | 1.47% | $1,680 | 3.9% | +1.4% | 235 | 39 | $1,640 |
| Dodge County | $1,207 | 1.27% | $1,500 | 8.3% | +2.9% | 81 | 448 | $1,730 |
| Madison County | $1,082 | 1.37% | $1,590 | 6.1% | -1.2% | 75 | 37 | $1,760 |
| Scotts Bluff County | $1,023 | 1.48% | $1,740 | 1.5% | -2.0% | 40 | 36 | $1,480 |
| Adams County | $1,014 | 1.45% | $1,780 | 8.7% | -1.0% | 119 | 11 | $1,670 |
| Platte County | $1,139 | 1.29% | $1,610 | 2.5% | -0.7% | 409 | 40 | $1,860 |
| Dawson County | $1,074 | 1.31% | $1,610 | 0.0% | -25.2% | 31 | 82 | $1,420 |
| Dakota County | $1,194 | 1.54% | $1,710 | 2.1% | -0.6% | 44 | 81 | $1,630 |
| Gage County | $1,025 | 1.41% | $1,750 | 2.4% | -1.1% | 28 | 20 | $1,520 |
| Seward County | $1,055 | 1.18% | $1,820 | 2.9% | -0.4% | 56 | 11 | $1,990 |
| Saunders County | $1,153 | 1.30% | $1,580 | 5.6% | +0.2% | 180 | 71 | $2,220 |
| Cass County | $1,450 | 1.43% | $1,910 | 0.9% | +0.3% | 55 | 253 | $2,160 |
| Cheyenne County | $1,134 | 1.65% | $1,280 | 0.0% | -1.5% | 7 | 22 | $1,240 |
| Wayne County | $1,014 | 1.12% | $1,610 | 2.3% | -2.8% | 13 | 2 | $1,800 |
| Washington County | $1,450 | 1.39% | $1,880 | 1.6% | +0.4% | 206 | 77 | $2,470 |
| Custer County | $1,014 | 1.16% | $1,710 | 8.7% | -2.9% | 25 | 10 | $1,350 |
| York County | $1,047 | 1.19% | $1,640 | 0.6% | -0.3% | 37 | 7 | $1,580 |
| Dawes County | $1,081 | 1.45% | $1,700 | 5.8% | -2.4% | 15 | 0 | $1,340 |
| Phelps County | $1,014 | 1.32% | $1,630 | 7.2% | -0.5% | 9 | 6 | $1,650 |
| Saline County | $1,050 | 1.35% | $1,620 | 6.8% | -0.7% | 34 | 99 | $1,670 |
Show the other 68 counties
| County | 2-bed FMR | Property tax | Insurance / yr | Rental vacancy | Jobs, 1 yr | Permits | Flood claims | Rent for 1.20x |
|---|---|---|---|---|---|---|---|---|
| Red Willow County | $1,014 | 1.18% | $1,430 | 4.8% | -0.7% | 9 | 14 | $1,340 |
| Cuming County | $1,014 | 1.00% | $1,480 | 6.8% | +0.6% | 22 | 34 | $1,450 |
| Keith County | $1,014 | 1.41% | $1,900 | 1.3% | -1.5% | 38 | 4 | $1,480 |
| Otoe County | $1,112 | 1.33% | $1,710 | 6.5% | -0.7% | 24 | 14 | $1,710 |
| Holt County | $1,014 | 1.11% | $1,480 | 5.8% | -1.3% | 18 | 6 | $1,370 |
| Box Butte County | $1,014 | 1.51% | $1,930 | 2.2% | -1.6% | 1 | 2 | $1,490 |
| Nemaha County | $1,014 | 1.44% | $1,390 | 0.7% | -0.7% | 4 | 12 | $1,160 |
| Colfax County | $1,247 | 1.18% | $1,450 | 5.3% | -1.3% | 65 | 113 | $1,230 |
| Cherry County | $1,114 | 0.99% | $1,410 | 2.6% | -1.2% | 16 | 0 | $1,250 |
| Richardson County | $1,014 | 1.43% | $1,350 | 0.2% | -1.9% | 1 | 58 | $910 |
| Jefferson County | $1,014 | 1.46% | $1,300 | 7.3% | +0.2% | 8 | 3 | $1,130 |
| Thurston County | $1,014 | 1.47% | $1,630 | 6.8% | -2.2% | 2 | 2 | $1,050 |
| Knox County | $1,014 | 1.15% | $1,220 | 15.3% | -1.3% | 32 | 25 | $1,070 |
| Burt County | $1,014 | 1.32% | $1,400 | 5.8% | -4.0% | 12 | 58 | $1,260 |
| Butler County | $1,014 | 1.11% | $1,570 | 1.4% | -1.4% | 10 | 6 | $1,520 |
| Cedar County | $1,014 | 1.00% | $1,410 | 5.1% | -0.4% | 27 | 4 | $1,490 |
| Kearney County | $1,056 | 1.23% | $2,010 | 0.0% | -1.0% | 10 | 4 | $1,880 |
| Pierce County | $1,014 | 1.14% | $1,430 | 1.4% | +7.4% | 13 | 10 | $1,600 |
| Hamilton County | $1,014 | 0.95% | $1,690 | 0.6% | -3.6% | 45 | 1 | $2,010 |
| Merrick County | $1,014 | 1.30% | $1,870 | 10.5% | -0.3% | 49 | 7 | $1,520 |
| Johnson County | $1,062 | 1.32% | $1,530 | 1.9% | +3.3% | 4 | 1 | $1,340 |
| Antelope County | $1,014 | 1.23% | $1,400 | 11.4% | -0.7% | 20 | 15 | $1,120 |
| Howard County | $1,014 | 1.16% | $1,620 | 0.2% | +0.1% | 15 | 15 | $1,720 |
| Sheridan County | $1,014 | 1.37% | $1,710 | 5.5% | -2.6% | 3 | 1 | $1,040 |
| Dixon County | $1,014 | 1.20% | $1,580 | 6.0% | -2.9% | 7 | 1 | $1,330 |
| Stanton County | $1,201 | 1.26% | $1,580 | 2.9% | +0.4% | 3 | 4 | $1,630 |
| Furnas County | $1,014 | 1.38% | $1,420 | 10.9% | -0.6% | 7 | 2 | $900 |
| Valley County | $1,014 | 1.32% | $1,410 | 11.6% | -1.8% | 7 | 7 | $1,320 |
| Thayer County | $1,014 | 1.03% | $1,600 | 1.7% | -1.8% | 4 | 13 | $1,060 |
| Fillmore County | $1,014 | 0.99% | $1,280 | 0.0% | -2.3% | 3 | 1 | $1,230 |
| Clay County | $1,014 | 1.20% | $1,590 | 10.3% | +0.8% | 18 | 1 | $1,320 |
| Polk County | $1,014 | 0.99% | $1,580 | 0.0% | -1.7% | 13 | 2 | $1,540 |
| Morrill County | $1,014 | 1.42% | $1,680 | 9.5% | -1.0% | 2 | 0 | $1,060 |
| Boone County | $1,014 | 1.03% | $1,970 | 5.4% | -2.6% | 22 | 14 | $1,470 |
| Kimball County | $1,014 | 1.67% | $1,530 | 0.0% | +0.5% | 19 | 0 | $1,020 |
| Nance County | $1,014 | 1.10% | $1,560 | 0.5% | -0.6% | 8 | 4 | $1,130 |
| Brown County | $1,014 | 1.10% | $1,330 | 19.1% | -0.1% | 1 | 0 | $980 |
| Sherman County | $1,014 | 1.16% | $1,380 | 5.8% | -1.5% | 11 | 0 | $1,270 |
| Nuckolls County | $1,014 | 1.17% | $1,330 | 8.1% | -2.0% | 4 | 2 | $850 |
| Chase County | $1,014 | 1.28% | $2,360 | 12.2% | -2.6% | 16 | 0 | $1,490 |
| Webster County | $1,014 | 1.45% | $1,400 | 9.4% | -3.6% | 6 | 2 | $1,050 |
| Frontier County | $1,014 | 1.40% | $1,700 | 7.9% | -4.6% | 5 | 0 | $1,320 |
| Perkins County | $1,014 | 1.00% | $1,490 | 1.6% | -1.6% | 1 | 0 | $1,300 |
| Hitchcock County | $1,014 | 1.17% | $1,500 | 7.4% | -3.1% | 1 | 0 | $870 |
| Franklin County | $1,014 | 1.28% | $1,190 | 5.7% | +0.0% | 4 | 0 | $840 |
| Pawnee County | $1,014 | 1.52% | $980 | 6.5% | -1.7% | 7 | 0 | $720 |
| Dundy County | $1,014 | 0.80% | $1,310 | 0.0% | -1.4% | 2 | 0 | $1,150 |
| Sioux County | $1,014 | 1.63% | – | – | -0.3% | 2 | 0 | – |
| Rock County | $1,014 | 1.07% | $1,580 | 15.6% | -1.0% | 3 | 0 | $1,020 |
| Garden County | $1,014 | 1.01% | $1,630 | – | -0.6% | 4 | 2 | $970 |
| Greeley County | $1,014 | 1.29% | $1,400 | 13.2% | -1.0% | 0 | 0 | $1,050 |
| Harlan County | $1,014 | 1.29% | $1,320 | – | +1.6% | 1 | 0 | $1,240 |
| Garfield County | $1,014 | 1.35% | $2,420 | 16.0% | -3.8% | 4 | 0 | $1,590 |
| Gosper County | $1,014 | 1.05% | $2,030 | – | -8.8% | 7 | 0 | $1,880 |
| Deuel County | $1,014 | 1.43% | $1,680 | – | -2.1% | 0 | 3 | $940 |
| Hooker County | $1,014 | 1.04% | – | – | +4.7% | 4 | 0 | – |
| Hayes County | $1,014 | 1.01% | – | – | +0.7% | 1 | 0 | – |
| Boyd County | $1,014 | 1.10% | $1,800 | – | -0.1% | 0 | 13 | $950 |
| Banner County | $1,014 | 1.26% | – | – | -0.3% | – | 0 | – |
| Thomas County | $1,014 | 1.25% | – | – | +1.0% | 1 | 0 | – |
| Grant County | $1,014 | 0.68% | – | – | -1.0% | – | 0 | – |
| Wheeler County | $1,014 | 0.79% | – | – | -0.8% | 2 | 2 | – |
| McPherson County | $1,014 | 1.11% | – | – | -0.9% | 0 | 0 | – |
| Loup County | $1,014 | 0.71% | – | – | -3.0% | 11 | 0 | – |
| Logan County | $1,014 | 0.98% | – | – | -1.4% | 0 | 0 | – |
| Keya Paha County | $1,014 | 1.29% | – | – | -2.8% | 0 | 0 | – |
| Blaine County | $1,014 | 1.14% | – | – | +0.0% | – | 0 | – |
| Arthur County | $1,014 | 0.93% | – | – | -1.5% | 0 | 0 | – |
Where these numbers come from
- 2-bedroom Fair Market Rent
- HUD's FY2027 Fair Market Rents, in effect from October 1, 2026: the rent and utilities of a modest 2-bedroom unit, set for housing vouchers. It is not a house rent. Where HUD publishes by town (New England), the county shows the range. HUD Fair Market Rents
- Property tax, insurance, vacancy and home value
- Census American Community Survey 5-year estimates, 2020–2024. Property tax is the median tax paid divided by the median home value of owner-occupied homes. Insurance is the median that owners with a mortgage report paying, not a landlord quote. Rental vacancy is homes vacant for rent divided by all rental homes. Figures from too few homes are left blank. American Community Survey
- Jobs
- BLS Local Area Unemployment Statistics: employed residents in August 2026 against the same month a year earlier, not seasonally adjusted. BLS LAUS
- Permits
- Census Building Permits Survey: new housing units authorized in 2025, all building sizes. Building Permits Survey
- Flood claims
- FEMA National Flood Insurance Program claims with a loss in 2005 or later, and the net amount paid. Only insured buildings appear. Check a flood zone
These are screening figures for comparing places, not a quote, an appraisal or a loan offer. Nebraska total flood payments since 2005: $78.6 million.