The typical owner-occupied home in Roca is worth about $231,300, 3% below the Nebraska median of $238,600 and 30% below the national median of $332,700. Owners pay a median $4,133 a year in property taxes, about 1.79% of their home's value, higher than the Nebraska rate of 1.49%. The median household earns $100,000 a year, so the median home costs 2.3 times the median income (3.1 times for Nebraska). 93% of occupied homes here are lived in by their owners, and 56% of those owners still have a mortgage.
Roca at a glance
| Roca | Nebraska | U.S. | |
|---|---|---|---|
| Median home value | $231,300 | $238,600 | $332,700 |
| Median property tax paid per year | $4,133 | $3,549 | $3,119 |
| Property tax as a share of value | 1.79% | 1.49% | 0.94% |
| Median household income | $100,000 | $76,475 | $80,734 |
| Homes lived in by their owners | 93% | 67% | 65% |
| Owner homes with a mortgage | 56% | 58% | 61% |
| Median monthly costs, owners with a mortgage | $1,634 | $1,736 | $1,963 |
| Those costs as a share of the owners' income | 15.8% | 19.5% | 21.0% |
| Median rent | $1,125 | $1,072 | $1,413 |
| Rent as a share of renters' income | 27.5% | 27.9% | 30.6% |
| Median year homes were built | 1986 | 1975 | 1980 |
| Vacant homes | 0.0% | 7.6% | 10.1% |
| Population | 242 | 1,978,707 | 334,922,499 |
What a typical home costs per month in Roca
At this week's average 30-year rate of 7.11%, buying the median Roca home of $231,300 with 20% down costs about $1,686 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $2,071, 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 $72,265 for the 20%-down payment. That payment is 20% of the median Roca household income of $100,000; at that income and 20% down, the 28% guideline points to a home of about $320,000.
The median rent here is $1,125 a month, so owning the median home costs about $561 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $46,260 |
|---|---|
| Loan amount | $185,040 |
| Principal and interest | $1,245 |
| Property taxes (1.79% a year) | $345 |
| Homeowners insurance (our estimate, 0.5% a year) | $96 |
| PMI | $0 |
| Total per month | $1,686 |
Change the numbers in the calculator
| Down payment | $8,096 |
|---|---|
| Loan amount | $227,111 |
| Principal and interest | $1,528 |
| Property taxes (1.79% a year) | $345 |
| Homeowners insurance (our estimate, 0.5% a year) | $96 |
| FHA mortgage insurance | $102 |
| Total per month | $2,071 |
Change the numbers in the calculator
Questions about home buying in Roca
What is the median home value in Roca?
About $231,300 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Roca?
Homeowners pay a median $4,133 a year, which is about 1.79% 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 Roca?
For the median home with 20% down at 7.11%, the payment is about $1,686 a month. Keeping that under 28% of gross income takes about $72,265 a year.
More about Roca
- Mortgage Refinance in Roca
- Debt Relief in Roca
- Home Equity Loans in Roca
- 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