The typical owner-occupied home in Naper is worth about $22,500, 91% below the Nebraska median of $238,600 and 93% below the national median of $332,700. Owners pay a median $400 a year in property taxes, about 1.78% of their home's value, higher than the Nebraska rate of 1.49%. The median household earns $36,250 a year, so the median home costs 0.6 times the median income (3.1 times for Nebraska). 86% of occupied homes here are lived in by their owners, and 11% of those owners still have a mortgage.
Naper at a glance
| Naper | Nebraska | U.S. | |
|---|---|---|---|
| Median home value | $22,500 | $238,600 | $332,700 |
| Median property tax paid per year | $400 | $3,549 | $3,119 |
| Property tax as a share of value | 1.78% | 1.49% | 0.94% |
| Median household income | $36,250 | $76,475 | $80,734 |
| Homes lived in by their owners | 86% | 67% | 65% |
| Owner homes with a mortgage | 11% | 58% | 61% |
| Median monthly costs, owners with a mortgage | – | $1,736 | $1,963 |
| Median rent | – | $1,072 | $1,413 |
| Median year homes were built | 1973 | 1975 | 1980 |
| Vacant homes | 18.5% | 7.6% | 10.1% |
| Population | 117 | 1,978,707 | 334,922,499 |
What a typical home costs per month in Naper
At this week's average 30-year rate of 7.11%, buying the median Naper home of $22,500 with 20% down costs about $164 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $201, 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 $7,022 for the 20%-down payment. That payment is 5% of the median Naper household income of $36,250; at that income and 20% down, the 28% guideline points to a home of about $116,000.
| Down payment | $4,500 |
|---|---|
| Loan amount | $18,000 |
| Principal and interest | $121 |
| Property taxes (1.78% a year) | $33 |
| Homeowners insurance (our estimate, 0.5% a year) | $9 |
| PMI | $0 |
| Total per month | $164 |
Change the numbers in the calculator
| Down payment | $788 |
|---|---|
| Loan amount | $22,092 |
| Principal and interest | $149 |
| Property taxes (1.78% a year) | $33 |
| Homeowners insurance (our estimate, 0.5% a year) | $9 |
| FHA mortgage insurance | $10 |
| Total per month | $201 |
Change the numbers in the calculator
Questions about home buying in Naper
What is the median home value in Naper?
About $22,500 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Naper?
Homeowners pay a median $400 a year, which is about 1.78% 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 Naper?
For the median home with 20% down at 7.11%, the payment is about $164 a month. Keeping that under 28% of gross income takes about $7,022 a year.
More about Naper
- Mortgage Refinance in Naper
- Debt Relief in Naper
- Home Equity Loans in Naper
- 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