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Homeownership is to the American dream. It offers , security, community, and countless other benefits. Yet for many Nebraska residents, the dream feels increasingly out of reach—even as and fall. Near-record prices have made homes hard to come by and often even harder to afford, leaving buyers and sellers and younger generations .

But affordable pockets still exist. In cities across the state, residents can comfortably spend around 30% of their income or less on housing, which is widely considered the affordable threshold.

To find out where these cities are, ranked the most affordable cities in Nebraska, based on their local payment to income ratios. All data is an average for the January-October 2025 period. To see the most affordable cities in the country, read this .

#1. Gretna, Nebraska
- Payment to income ratio: 23.5%
- Median sale price: $364,521
- Median household income: $118,765
- Income needed to buy: $93,085
- Median monthly mortgage payment: $2,327
- See homes for sale in Gretna on

#2. Waverly, Nebraska
- Payment to income ratio: 23.9%
- Median sale price: $343,069
- Median household income: $110,000
- Income needed to buy: $87,607
- Median monthly mortgage payment: $2,190
- See homes for sale in Waverly on

#3. Papillion, Nebraska
- Payment to income ratio: 24.4%
- Median sale price: $349,536
- Median household income: $109,602
- Income needed to buy: $89,259
- Median monthly mortgage payment: $2,231
- See homes for sale in Papillion on

#4. Wahoo, Nebraska
- Payment to income ratio: 25.0%
- Median sale price: $266,186
- Median household income: $81,544
- Income needed to buy: $67,974
- Median monthly mortgage payment: $1,699
- See homes for sale in Wahoo on

#5. Bellevue, Nebraska
- Payment to income ratio: 25.9%
- Median sale price: $294,746
- Median household income: $87,343
- Income needed to buy: $75,267
- Median monthly mortgage payment: $1,882
- See homes for sale in Bellevue on

#6. Plattsmouth, Nebraska
- Payment to income ratio: 26.6%
- Median sale price: $223,447
- Median household income: $64,296
- Income needed to buy: $57,060
- Median monthly mortgage payment: $1,426
- See homes for sale in Plattsmouth on

#7. Chalco, Nebraska
- Payment to income ratio: 26.8%
- Median sale price: $285,314
- Median household income: $81,427
- Income needed to buy: $72,859
- Median monthly mortgage payment: $1,821
- See homes for sale in Chalco on

#8. Hickman, Nebraska
- Payment to income ratio: 27.8%
- Median sale price: $378,459
- Median household income: $104,219
- Income needed to buy: $96,644
- Median monthly mortgage payment: $2,416
- See homes for sale in Hickman on

#9. Ashland, Nebraska
- Payment to income ratio: 28.0%
- Median sale price: $295,575
- Median household income: $80,948
- Income needed to buy: $75,479
- Median monthly mortgage payment: $1,887
- See homes for sale in Ashland on

#10. La Vista, Nebraska
- Payment to income ratio: 28.0%
- Median sale price: $286,073
- Median household income: $78,145
- Income needed to buy: $73,052
- Median monthly mortgage payment: $1,826
- See homes for sale in La Vista on

#11. Omaha, Nebraska
- Payment to income ratio: 29.2%
- Median sale price: $277,024
- Median household income: $72,708
- Income needed to buy: $70,742
- Median monthly mortgage payment: $1,769
- See homes for sale in Omaha on

#12. Ralston, Nebraska
- Payment to income ratio: 30.1%
- Median sale price: $257,594
- Median household income: $65,557
- Income needed to buy: $65,780
- Median monthly mortgage payment: $1,644
- See homes for sale in Ralston on

#13. Blair, Nebraska
- Payment to income ratio: 31.7%
- Median sale price: $316,126
- Median household income: $76,292
- Income needed to buy: $80,727
- Median monthly mortgage payment: $2,018
- See homes for sale in Blair on

#14. Lincoln, Nebraska
- Payment to income ratio: 33.0%
- Median sale price: $301,132
- Median household income: $69,991
- Income needed to buy: $76,898
- Median monthly mortgage payment: $1,922
- See homes for sale in Lincoln on

#15. Seward, Nebraska
- Payment to income ratio: 34.6%
- Median sale price: $316,472
- Median household income: $70,000
- Income needed to buy: $80,815
- Median monthly mortgage payment: $2,020
- See homes for sale in Seward on

#16. Valley, Nebraska
- Payment to income ratio: 50.5%
- Median sale price: $703,941
- Median household income: $106,750
- Income needed to buy: $179,760
- Median monthly mortgage payment: $4,494
- See homes for sale in Valley on