The typical owner-occupied home in Humboldt is worth about $67,500, 72% below the Nebraska median of $238,600 and 80% below the national median of $332,700. Owners pay a median $736 a year in property taxes, about 1.09% of their home's value, lower than the Nebraska rate of 1.49%. The median household earns $41,786 a year, so the median home costs 1.6 times the median income (3.1 times for Nebraska). 63% of occupied homes here are lived in by their owners, and 30% of those owners still have a mortgage.
Humboldt at a glance
| Humboldt | Nebraska | U.S. | |
|---|---|---|---|
| Median home value | $67,500 | $238,600 | $332,700 |
| Median property tax paid per year | $736 | $3,549 | $3,119 |
| Property tax as a share of value | 1.09% | 1.49% | 0.94% |
| Median household income | $41,786 | $76,475 | $80,734 |
| Homes lived in by their owners | 63% | 67% | 65% |
| Owner homes with a mortgage | 30% | 58% | 61% |
| Median monthly costs, owners with a mortgage | $829 | $1,736 | $1,963 |
| Those costs as a share of the owners' income | 16.8% | 19.5% | 21.0% |
| Median rent | $492 | $1,072 | $1,413 |
| Rent as a share of renters' income | 19.1% | 27.9% | 30.6% |
| Median year homes were built | 1938 | 1975 | 1980 |
| Vacant homes | 18.8% | 7.6% | 10.1% |
| Population | 775 | 1,978,707 | 334,922,499 |
What a typical home costs per month in Humboldt
At this week's average 30-year rate of 7.11%, buying the median Humboldt home of $67,500 with 20% down costs about $453 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $565, 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 $19,401 for the 20%-down payment. That payment is 13% of the median Humboldt household income of $41,786; at that income and 20% down, the 28% guideline points to a home of about $145,000.
The median rent here is $492 a month, a little more than the monthly cost of owning the median home with 20% down.
| Down payment | $13,500 |
|---|---|
| Loan amount | $54,000 |
| Principal and interest | $363 |
| Property taxes (1.09% a year) | $61 |
| Homeowners insurance (our estimate, 0.5% a year) | $28 |
| PMI | $0 |
| Total per month | $453 |
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| Down payment | $2,362 |
|---|---|
| Loan amount | $66,277 |
| Principal and interest | $446 |
| Property taxes (1.09% a year) | $61 |
| Homeowners insurance (our estimate, 0.5% a year) | $28 |
| FHA mortgage insurance | $30 |
| Total per month | $565 |
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Questions about home buying in Humboldt
What is the median home value in Humboldt?
About $67,500 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Humboldt?
Homeowners pay a median $736 a year, which is about 1.09% 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 Humboldt?
For the median home with 20% down at 7.11%, the payment is about $453 a month. Keeping that under 28% of gross income takes about $19,401 a year.
More about Humboldt
- Mortgage Refinance in Humboldt
- Debt Relief in Humboldt
- Home Equity Loans in Humboldt
- 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