Total monthly cost of ownership
Cost to Own a Home in Auburn, Nebraska
A $99,000 home here costs
$975per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $509. The real number is $466 higher every month — 91% 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.
Auburn against Nemaha County and Nebraska
| Measure | Auburn | Nemaha County |
|---|---|---|
| Median home value | $98,900 | $125,100 |
| Median property tax | $1,567 | $1,761 |
| Effective tax rate | 1.584% | 1.408% |
| Median gross rent | $774 | $727 |
| Population | 3,468 | 7,035 |
The weather behind that power bill
Auburn sits in Nemaha County, which averages a high of 87.3°F in its hottest month and a low of 14.1°F in its coldest, with 32.31" of precipitation a year and 42% of it in a single three-month stretch. That climate drives 1,256 cooling and 5,801 heating degree days, which is what sets the $122 electricity line above.
See the full climate breakdown for Nemaha County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Nemaha County
No other places of this size are published in Nemaha County.
Full Nemaha County cost breakdown · Every county in Nebraska
Common questions
How much does it cost to own a home in Auburn?
A $99,000 home in Auburn, Nebraska costs approximately $975 per month with 20% down at 6.66%. That is $509 principal and interest, $131 property tax, $62 homeowners insurance, $190 utilities and $83 set aside for maintenance.
What is the property tax rate in Auburn?
Auburn has an effective property tax rate of 1.584%, based on a median home value of $98,900 and median real estate taxes of $1,567. That is higher than the Nemaha County average of 1.408%.
What is the average home price in Auburn?
The median owner-occupied home value in Auburn, Nebraska is $98,900, against $125,100 across Nemaha County.
Is it cheaper to rent or buy in Auburn?
Median gross rent in Auburn is $774 a month, against $975 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 Auburn — 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.