The typical owner-occupied home in Plattsmouth is worth about $183,600, 23% below the Nebraska median of $238,600 and 45% below the national median of $332,700. Owners pay a median $3,014 a year in property taxes, about 1.64% of their home's value, higher than the Nebraska rate of 1.49%. The median household earns $73,929 a year, so the median home costs 2.5 times the median income (3.1 times for Nebraska). 71% of occupied homes here are lived in by their owners, and 58% of those owners still have a mortgage.
Plattsmouth at a glance
| Plattsmouth | Nebraska | U.S. | |
|---|---|---|---|
| Median home value | $183,600 | $238,600 | $332,700 |
| Median property tax paid per year | $3,014 | $3,549 | $3,119 |
| Property tax as a share of value | 1.64% | 1.49% | 0.94% |
| Median household income | $73,929 | $76,475 | $80,734 |
| Homes lived in by their owners | 71% | 67% | 65% |
| Owner homes with a mortgage | 58% | 58% | 61% |
| Median monthly costs, owners with a mortgage | $1,506 | $1,736 | $1,963 |
| Those costs as a share of the owners' income | 18.7% | 19.5% | 21.0% |
| Median rent | $941 | $1,072 | $1,413 |
| Rent as a share of renters' income | 22.8% | 27.9% | 30.6% |
| Median year homes were built | 1970 | 1975 | 1980 |
| Vacant homes | 2.2% | 7.6% | 10.1% |
| Population | 6,731 | 1,978,707 | 334,922,499 |
What a typical home costs per month in Plattsmouth
At this week's average 30-year rate of 7.11%, buying the median Plattsmouth home of $183,600 with 20% down costs about $1,315 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,621, 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 $56,378 for the 20%-down payment. That payment is 21% of the median Plattsmouth household income of $73,929; at that income and 20% down, the 28% guideline points to a home of about $241,000.
The median rent here is $941 a month, so owning the median home costs about $374 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $36,720 |
|---|---|
| Loan amount | $146,880 |
| Principal and interest | $988 |
| Property taxes (1.64% a year) | $251 |
| Homeowners insurance (our estimate, 0.5% a year) | $76 |
| PMI | $0 |
| Total per month | $1,315 |
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| Down payment | $6,426 |
|---|---|
| Loan amount | $180,275 |
| Principal and interest | $1,213 |
| Property taxes (1.64% a year) | $251 |
| Homeowners insurance (our estimate, 0.5% a year) | $76 |
| FHA mortgage insurance | $81 |
| Total per month | $1,621 |
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Questions about home buying in Plattsmouth
What is the median home value in Plattsmouth?
About $183,600 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Plattsmouth?
Homeowners pay a median $3,014 a year, which is about 1.64% 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 Plattsmouth?
For the median home with 20% down at 7.11%, the payment is about $1,315 a month. Keeping that under 28% of gross income takes about $56,378 a year.
More about Plattsmouth
- Mortgage Refinance in Plattsmouth
- Debt Relief in Plattsmouth
- Home Equity Loans in Plattsmouth
- 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