Total monthly cost of ownership
Cost to Own a Home in Ainsworth, Nebraska
A $91,000 home here costs
$881per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $468. The real number is $414 higher every month — 88% more than the payment most buyers budget for.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Ainsworth against Brown County and Nebraska
| Measure | Ainsworth | Brown County |
|---|---|---|
| Median home value | $90,500 | $100,200 |
| Median property tax | $1,078 | $1,082 |
| Effective tax rate | 1.191% | 1.080% |
| Median gross rent | $870 | $932 |
| Population | 1,632 | 2,739 |
The weather behind that power bill
Ainsworth sits in Brown County, which averages a high of 90.0°F in its hottest month and a low of 14.8°F in its coldest, with 25.51" of precipitation a year and 45% of it in a single three-month stretch. That climate drives 1,001 cooling and 5,993 heating degree days, which is what sets the $122 electricity line above.
See the full climate breakdown for Brown County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Brown County
No other places of this size are published in Brown County.
Common questions
How much does it cost to own a home in Ainsworth?
A $91,000 home in Ainsworth, Nebraska costs approximately $881 per month with 20% down at 6.66%. That is $468 principal and interest, $90 property tax, $57 homeowners insurance, $190 utilities and $76 set aside for maintenance.
What is the property tax rate in Ainsworth?
Ainsworth has an effective property tax rate of 1.191%, based on a median home value of $90,500 and median real estate taxes of $1,078. That is higher than the Brown County average of 1.080%.
What is the average home price in Ainsworth?
The median owner-occupied home value in Ainsworth, Nebraska is $90,500, against $100,200 across Brown County.
Is it cheaper to rent or buy in Ainsworth?
Median gross rent in Ainsworth is $870 a month, against $881 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Ainsworth — US Census Bureau, American Community Survey ACS 2023 5-Year, place-level tables.
- Homeowners insurance — NAIC average premium for Nebraska.
- Electricity price — EIA Electric Power Monthly Table 5.6.A.
- Mortgage rate — Freddie Mac PMMS, refreshed weekly.
- Maintenance (1%/yr) and water and sewer ($68/mo) are national estimates. Every assumption above is editable.