Mortgage Payment Calculator for Lincoln, NE
Updated 2026 · Local data pre-filled
The median home price in Lincoln, NE is $235,000, with an effective property tax rate of 1.60% — higher than the national average of 1.10%. We've pre-filled the calculator with local figures so your estimate reflects what buyers actually pay in Lincoln.
✓ Calculator below is pre-filled with Lincoln local data
How Lincoln Compares to the National Average
Understanding how Lincoln stacks up helps you calibrate your financial planning.
| Metric | Lincoln, NE | US Average | Difference |
|---|---|---|---|
| Median Home Price | $235,000 | $420,800 | -44.2% |
| Median Monthly Rent | $795 | $1,713 | -53.6% |
| Median Household Income | $60,800 | $74,580 | -18.5% |
| Property Tax Rate | 1.60% | 1.10% | +45.5% |
| Cost of Living Index | 87 | 100 | -13.0% |
Sources: U.S. Census Bureau, BLS, Zillow, NAR (2024–2025). Green = favorable for residents; red = less favorable.
Lincoln Financial Snapshot
- Population (Metro)
- 360,000
- Unemployment
- 2.6%
- Avg Commute
- 19 min
- Median Age
- 31.8
- Price-to-Rent Ratio
- 24.6x
- Annual Property Tax
- $3,760
Mortgage Payment Calculator in Other Nebraska Cities
Frequently Asked Questions — Lincoln
What is the median home price in Lincoln, NE?
The median home price in Lincoln is $235,000 as of 2025–2026. This is below the national median of $420,800.
What is the average rent in Lincoln?
Median monthly rent in Lincoln is $795. That works out to $9,540/year, or 16% of the median household income — within the commonly recommended 30% of income guideline.
Is Lincoln affordable?
Lincoln's cost of living index is 87 vs. the national average of 100. With a median household income of $60,800/year and a median home price of $235,000, the price-to-income ratio is 3.9x. Lincoln remains relatively affordable compared to many US metros.
What is the property tax rate in Lincoln?
The effective property tax rate in Lincoln is 1.60% of assessed value. On the median home of $235,000, that's roughly $3,760/year ($313/month).