Rock County, Nebraska Housing Market

Median Sale Price

$135,000

low-volume — YoY suppressed

Active Inventory

—

Days on Market

52 days

Price Drops

—

Single-Family vs. Condo

Source: Redfin (property-type breakdown)

Single-Family Median

$135,000

Buyer vs. Seller Market Indicators

Latest month — Redfin

Sale-to-List Ratio

100.0%

Bidding-war territory

Median closing price ÷ original list price. Above 100% = homes routinely closing above asking.

% Sold Above List

Buyer-favorable

Share of closed sales priced above asking. The single cleanest read on bidder competition.

What does your sqft target cost in Rock County, Nebraska?

$62/sqft median (Redfin)

Square footage 2,000 sqft

Bedrooms +$0 adj

Bathrooms +$0 adj

Lot size optional

Estimated price

$124,081

Near median (-8% vs median)

Region median

$135,000

all homes

Price-tier reverse lookup — what sqft does each price band buy?

$600,000

≈ 9,671 sqft

$1,200,000

≈ 19,342 sqft

$2,000,000

≈ 32,237 sqft

$5,000,000

≈ 80,593 sqft

Estimate = (median $/sqft × your sqft) + bed/bath/lot adjustments. Bed and bath adjustments use Appraisal Institute / Fannie Mae standard rules of thumb (~$15K/extra bedroom, ~$20K/extra bathroom vs. a 3bd/2ba baseline; half-bath = half adj). Lot premium is a $1.50/sqft heuristic beyond a 6,000 sqft baseline — accuracy varies sharply by urban infill vs. acreage market. Quality, condition, year built, and HOA are not modeled here. For a deeper county-level hedonic AVM, see AVM Lite.

Rent + invest vs. buy + own — backtested

15-yr rolling history · S&P 500

Property type:

Home price

Monthly rent

Down %

Rate %

Property tax %

Insurance / yr

Maintenance %

HOA / mo

Home appreciation %

Rent inflation %

Horizon (yrs)

Invest in

After-tax mode (MID, SALT, LTCG, Sec 121) Show inflation-adjusted (real) side-by-side VA loan (0% down, no PMI, funding fee)

BUY + OWN

Median ending wealth $119K $72K real

Net gain on $31K upfront: $87K

Range: $119K → $119K

Wealth = home value (appreciated at 3%/yr) − remaining mortgage − 6% selling cost. Gain = wealth − upfront. Leveraged appreciation on full $135K asset comes from the 20% down.

RENT + INVEST

Median ending portfolio $95K $70K real

Net gain on $32K contributed: $63K

Range: $26K → $374K

Same upfront cash + each year's (own − rent) surplus invested in S&P 500 at actual annual returns. Median renter contributed $32K total.

Median wealth delta: $23K in favor of BUY + OWN

What if you'd started in a recent year? (most-recent 15yr window: 2011–2025)

Window	Buy wealth	Buy gain	Rent wealth	Rent gain	Wealth delta
2011–2025	$119K	$87K	$180K	$148K	$61K rent
2010–2024	$119K	$87K	$185K	$154K	$67K rent
2009–2023	$119K	$87K	$191K	$159K	$72K rent
2008–2022	$119K	$87K	$83K	$52K	$35K buy
2007–2021	$119K	$87K	$104K	$72K	$15K buy
2006–2020	$119K	$87K	$93K	$61K	$26K buy
2005–2019	$119K	$87K	$80K	$48K	$39K buy
2004–2018	$119K	$87K	$67K	$35K	$52K buy

Educational tool, not investment or real-estate advice. Past performance does not guarantee future results. Backtests use actual annual total returns including dividends from S&P 500 (Damodaran (NYU Stern) annual total return (with dividends), 1957-present.).

Buyer model: 30-yr fixed mortgage, P&I + property tax + insurance + maintenance (1% of value/yr) + HOA. Selling cost = 6%. Investor model: down payment + annual cashflow surplus invested in the chosen index at that calendar year's actual return.

Tax model: pre-tax comparison. Toggle "after-tax mode" to apply MID, SALT, LTCG, and the Sec 121 capital-gains exclusion.

This calculator does not adjust for: PMI (assumed 20%+ down), differential transaction costs by state, lifestyle factors (commute, schools, kids), illiquidity / forced-sale risk, or insurance availability constraints (e.g., FL/CA wildfire). Consult a fiduciary advisor and tax professional before acting on any of this.

Market Pressure Signals

Derived from Redfin trend

DOM vs. 24-Mo Avg

+38.0%

currently 52 days

Long-Term Avg DOM

38 days

Mortgage & Price Stress

State HPI + national delinquency

State HPI YoY

+3.2%

positive — appreciating

State HPI vs. Peak

0.0%

at or near peak peak 2026-04-01

National Mortgage Delinquency

1.86%

benchmark — 2026-04-01 county-grain delinquency requires paid data

State-grain HPI YoY + drawdown from peak is the cleanest free price-stress proxy. The national delinquency rate gives the macro mortgage-stress backdrop. True county-level mortgage delinquency lives in paid datasets (MBA NDS, CoreLogic LP).

Getting a Mortgage Here

CFPB HMDA 2025

Loans Actually Made

too few rulings to publish a rate

Every lender above a size threshold has to report each application and what they did with it. The denial rate here counts only applications a lender actually ruled on — approved or denied. Files the applicant withdrew, and files closed as incomplete, are left out of both halves, so this runs higher than tables that bury them in the denominator. This county had fewer than 50 ruled-on applications, where a handful of files swing the rate several points, so no rate is shown. Compare every state and county →

Value Ratios

Median home price ÷ county median income

Value / Income

2.4×

bargain

Median Household Income

$57,500

Census ACS B19013

Historically affordable markets sit at 3–4× income; over 5× is stretched, over 6× is severely overvalued. Lower ratios point to bargain opportunities.

Housing Stock & Owners

Census ACS 5-year (B19013, B01003, B25002, B25003, B25034, B25007)

Population

1,335

total residents

Total Housing Units

829

all units, occupied + vacant

Vacancy Rate

29.8%

high vacancy

Homeownership Rate

75.8%

of occupied units owner-occupied

Boomer Owners (65+)

31.6%

of homeowner households

Millennial / Gen-X Owners (35-54)

11.7%

of homeowner households

Pre-1949 Housing Stock

23.6%

structures built before 1949

When boomer-owner share is high, expect more inventory hitting the market over the next decade as homes transition. High vacancy + high old-stock often signals deferred-maintenance markets where buyers can negotiate.

Who's Moving In (Census ACS)

Source: Census ACS B07001 (5-year)

Inbound Movers (1 yr)

5.82% of pop. — moved here from outside the county

From Other States

0.38% of pop. — interstate inbound

From Abroad

—

moved into the county from outside the U.S.

Same House 1 Year Ago

92%

stable residents

Census ACS asks where people lived 1 year ago, so this counts inbound movers but does not show outbound — true net migration would require IRS SOI parsing.

Trends

Up to 5 years of monthly data

Median Sale Price

Trailing 12 months

Days on Market

Trailing 12 months

Looking for state-level data? See Nebraska statewide stats →

Verify any number on this page: data sources, formulas, and cross-references →