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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

Roca, NE Housing Affordability Index

Roca, Nebraska has an MBR Housing Affordability Index score of 131.4 (Highly Affordable) as of October 30, 2026, ranking 361st most affordable of 456 scored Nebraska cities, compared with 106.6 statewide and 97.4 nationally. On a median-priced $231,300 home with 20% down, the Nebraska average 30-year fixed rate of 7.26% means a monthly principal and interest payment of about $1,263, or 15% of the city’s $100,000 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Roca 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.

Roca MBR-HAI 131.4 Highly Affordable
Rank in Nebraska 361 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 $231,300 U.S. Census Bureau

Roca is 24.8 points above the Nebraska score. Scores as of October 30, 2026. See the Nebraska index

View Roca Mortgage Rates

What It Takes to Buy in Roca

$1,263/mo
Principal & Interest
Median home, 20% down, 7.26%
$54,100
Income Needed
To keep the payment at 28% of income
$100,000
Median Household Income
Nebraska: $76,475
2.3x
Price-to-Income Ratio
Nebraska: 3.1x
$1,091/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$3,643/yr
Median Property Tax
1.58% of median value
21.3%
Owner Cost Burden
Owners spending 30%+ of income on housing
50.0%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Roca Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Roca, Nebraska score: 131.4 (Highly Affordable), ranked 361 of 456 Nebraska cities. monitorbankrates.com/housing-affordability-index/nebraska/roca”