Total monthly cost of ownership
Cost to Own a Home in Atkinson, Nebraska
A $148,000 home here costs
$1,345per month, all in, with 20% down at today's 7.24% 30-year fixed rate. By the 28% rule that takes a household income of about $57,500 a year.
A standard mortgage calculator would have told you $807. The real number is $538 higher every month, 67% more than the payment most buyers budget for.
Compare Holt County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Atkinson from a five-year rolling sample, and with about 1,433 residents that sample is small. The median home value here carries a much wider margin of error than a big-city figure does, so treat it as indicative rather than exact. The Holt County figures are drawn from a far larger sample if you want a steadier number.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Atkinson against Holt County and Nebraska
| Measure | Atkinson | Holt County |
|---|---|---|
| Median home value | $147,600 | $152,000 |
| Median property tax | $1,483 | $1,731 |
| Effective tax rate | 1.005% | 1.139% |
| Median gross rent | $655 | $724 |
| Population | 1,433 | 10,093 |
The weather behind that power bill
Atkinson sits in Holt County, which averages a high of 87.3°F in its hottest month and a low of 11.0°F in its coldest, with 25.85" of precipitation a year and 42% of it in a single three-month stretch. That climate drives 835 cooling and 7,109 heating degree days, which is what sets the $129 electricity line above.
See the full climate breakdown for Holt County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Holt County
Talk to someone who works this market
These are Atkinson averages. What one specific house costs to own, or what it would sell for today, depends on the street and the condition of the place. We will connect you with one licensed local agent who works Atkinson every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Atkinson I already own here and may sell
Common questions
How much does it cost to own a home in Atkinson?
A $148,000 home in Atkinson, Nebraska costs approximately $1,345 per month with 20% down at 7.24%. That is $807 principal and interest, $124 property tax, $93 homeowners insurance, $197 utilities and $123 set aside for maintenance.
What is the property tax rate in Atkinson?
Atkinson has an effective property tax rate of 1.005%, based on a median home value of $147,600 and median real estate taxes of $1,483. That is lower than the Holt County average of 1.139%.
What is the average home price in Atkinson?
The median owner-occupied home value in Atkinson, Nebraska is $147,600, against $152,000 across Holt County.
Is it cheaper to rent or buy in Atkinson?
Median gross rent in Atkinson is $655 a month, against $1,345 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
What salary do you need to buy a home in Atkinson?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Atkinson, Nebraska at today's rate takes a household income of roughly $57,500 a year. That covers the full $1,345 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Atkinson, 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.