Total monthly cost of ownership
Cost to Own a Home in Atkinson, Nebraska
A $148,000 home here costs
$1,291per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $761. The real number is $531 higher every month — 70% 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.
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 $122 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
Common questions
How much does it cost to own a home in Atkinson?
A $148,000 home in Atkinson, Nebraska costs approximately $1,291 per month with 20% down at 6.66%. That is $761 principal and interest, $124 property tax, $93 homeowners insurance, $190 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 $1,291 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 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.