The typical owner-occupied home in Ayr is worth about $90,000, 62% below the Nebraska median of $238,600 and 73% below the national median of $332,700. Owners pay a median $1,250 a year in property taxes, about 1.39% of their home's value, lower than the Nebraska rate of 1.49%. The median household earns $76,250 a year, so the median home costs 1.2 times the median income (3.1 times for Nebraska). 100% of occupied homes here are lived in by their owners, and 27% of those owners still have a mortgage.
Ayr at a glance
| Ayr | Nebraska | U.S. | |
|---|---|---|---|
| Median home value | $90,000 | $238,600 | $332,700 |
| Median property tax paid per year | $1,250 | $3,549 | $3,119 |
| Property tax as a share of value | 1.39% | 1.49% | 0.94% |
| Median household income | $76,250 | $76,475 | $80,734 |
| Homes lived in by their owners | 100% | 67% | 65% |
| Owner homes with a mortgage | 27% | 58% | 61% |
| Median monthly costs, owners with a mortgage | $1,518 | $1,736 | $1,963 |
| Those costs as a share of the owners' income | 13.6% | 19.5% | 21.0% |
| Median rent | – | $1,072 | $1,413 |
| Median year homes were built | 1940 | 1975 | 1980 |
| Vacant homes | 7.7% | 7.6% | 10.1% |
| Population | 126 | 1,978,707 | 334,922,499 |
What a typical home costs per month in Ayr
At this week's average 30-year rate of 7.11%, buying the median Ayr home of $90,000 with 20% down costs about $626 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $776, because the loan is bigger and FHA adds mortgage insurance.
Lenders usually want housing costs under about 28% of gross income, which means an income of roughly $26,833 for the 20%-down payment. That payment is 10% of the median Ayr household income of $76,250; at that income and 20% down, the 28% guideline points to a home of about $256,000.
| Down payment | $18,000 |
|---|---|
| Loan amount | $72,000 |
| Principal and interest | $484 |
| Property taxes (1.39% a year) | $104 |
| Homeowners insurance (our estimate, 0.5% a year) | $38 |
| PMI | $0 |
| Total per month | $626 |
Change the numbers in the calculator
| Down payment | $3,150 |
|---|---|
| Loan amount | $88,370 |
| Principal and interest | $594 |
| Property taxes (1.39% a year) | $104 |
| Homeowners insurance (our estimate, 0.5% a year) | $38 |
| FHA mortgage insurance | $40 |
| Total per month | $776 |
Change the numbers in the calculator
Questions about home buying in Ayr
What is the median home value in Ayr?
About $90,000 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Ayr?
Homeowners pay a median $1,250 a year, which is about 1.39% of the median home value. Your bill depends on your home's assessed value and local rates.
What income do you need to buy a home in Ayr?
For the median home with 20% down at 7.11%, the payment is about $626 a month. Keeping that under 28% of gross income takes about $26,833 a year.
More about Ayr
- Mortgage Refinance in Ayr
- Debt Relief in Ayr
- Home Equity Loans in Ayr
- Guides and quotes for mortgage refinance on our sister site, MortgageRefinance.com
Sources: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates; Freddie Mac Primary Mortgage Market Survey, week of November 12, 2026. Estimates for small places have wide margins of error. About our data