The typical owner-occupied home in Ainsworth is worth about $107,400, 55% below the Nebraska median of $238,600 and 68% below the national median of $332,700. Owners pay a median $1,239 a year in property taxes, about 1.15% of their home's value, lower than the Nebraska rate of 1.49%. The median household earns $53,490 a year, so the median home costs 2.0 times the median income (3.1 times for Nebraska). 71% of occupied homes here are lived in by their owners, and 56% of those owners still have a mortgage.
Ainsworth at a glance
| Ainsworth | Nebraska | U.S. | |
|---|---|---|---|
| Median home value | $107,400 | $238,600 | $332,700 |
| Median property tax paid per year | $1,239 | $3,549 | $3,119 |
| Property tax as a share of value | 1.15% | 1.49% | 0.94% |
| Median household income | $53,490 | $76,475 | $80,734 |
| Homes lived in by their owners | 71% | 67% | 65% |
| Owner homes with a mortgage | 56% | 58% | 61% |
| Median monthly costs, owners with a mortgage | $960 | $1,736 | $1,963 |
| Those costs as a share of the owners' income | 19.6% | 19.5% | 21.0% |
| Median rent | $807 | $1,072 | $1,413 |
| Rent as a share of renters' income | 41.9% | 27.9% | 30.6% |
| Median year homes were built | 1962 | 1975 | 1980 |
| Vacant homes | 18.8% | 7.6% | 10.1% |
| Population | 1,697 | 1,978,707 | 334,922,499 |
What a typical home costs per month in Ainsworth
At this week's average 30-year rate of 7.11%, buying the median Ainsworth home of $107,400 with 20% down costs about $726 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $905, 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 $31,100 for the 20%-down payment. That payment is 16% of the median Ainsworth household income of $53,490; at that income and 20% down, the 28% guideline points to a home of about $185,000.
The median rent here is $807 a month, a little more than the monthly cost of owning the median home with 20% down.
| Down payment | $21,480 |
|---|---|
| Loan amount | $85,920 |
| Principal and interest | $578 |
| Property taxes (1.15% a year) | $103 |
| Homeowners insurance (our estimate, 0.5% a year) | $45 |
| PMI | $0 |
| Total per month | $726 |
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| Down payment | $3,759 |
|---|---|
| Loan amount | $105,455 |
| Principal and interest | $709 |
| Property taxes (1.15% a year) | $103 |
| Homeowners insurance (our estimate, 0.5% a year) | $45 |
| FHA mortgage insurance | $48 |
| Total per month | $905 |
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Questions about home buying in Ainsworth
What is the median home value in Ainsworth?
About $107,400 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Ainsworth?
Homeowners pay a median $1,239 a year, which is about 1.15% 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 Ainsworth?
For the median home with 20% down at 7.11%, the payment is about $726 a month. Keeping that under 28% of gross income takes about $31,100 a year.
More about Ainsworth
- Mortgage Refinance in Ainsworth
- Debt Relief in Ainsworth
- Home Equity Loans in Ainsworth
- 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