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New Report Fall 2026 Housing Affordability Report: every state is less affordable than in late August as average 30-year mortgage rates passed 7%. Read the report

Lincoln, NE Housing Affordability Index

Lincoln, Nebraska has an MBR Housing Affordability Index score of 94.9 (Near National Average) as of October 30, 2026, ranking 448th most affordable of 456 scored Nebraska cities, compared with 106.6 statewide and 97.4 nationally. On a median-priced $264,000 home with 20% down, the Nebraska average 30-year fixed rate of 7.26% means a monthly principal and interest payment of about $1,441, or 24% of the city’s $71,867 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Lincoln is updated every night from live Nebraska mortgage rates and U.S. Census Bureau income, home value and housing cost data for the city. A score of 100 equals the national average; higher scores mean homeownership is more affordable.

Lincoln MBR-HAI 94.9 Near National Average
Rank in Nebraska 448 of 456 1 = most affordable
Nebraska 106.6 Statewide score
National 97.4 100 = baseline
Avg 30-yr rate 7.26% Nebraska lenders
Median home value $264,000 U.S. Census Bureau

Lincoln is 11.6 points below the Nebraska score. Scores as of October 30, 2026. See the Nebraska index

View Lincoln Mortgage Rates

What It Takes to Buy in Lincoln

$1,441/mo
Principal & Interest
Median home, 20% down, 7.26%
$61,800
Income Needed
To keep the payment at 28% of income
$71,867
Median Household Income
Nebraska: $76,475
3.7x
Price-to-Income Ratio
Nebraska: 3.1x
$1,324/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$4,022/yr
Median Property Tax
1.52% of median value
21.3%
Owner Cost Burden
Owners spending 30%+ of income on housing
45.3%
Renter Cost Burden
Renters spending 30%+ of income on rent

Source: U.S. Census Bureau American Community Survey 5-Year Estimates (2024) for Lincoln, Nebraska. The rate is the Nebraska average 30-year fixed rate from MonitorBankRates, since lenders publish rates by state.

Cite the Lincoln Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Lincoln, Nebraska score: 94.9 (Near National Average), ranked 448 of 456 Nebraska cities. monitorbankrates.com/housing-affordability-index/nebraska/lincoln”