Total monthly cost of ownership
Cost to Own a Home in Buccaneer Bay, Nebraska
A $316,000 home here costs
$2,876per 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 $123,000 a year.
A standard mortgage calculator would have told you $1,723. The real number is $1,153 higher every month, 67% more than the payment most buyers budget for.
Compare Cass County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Buccaneer Bay from a five-year rolling sample, and with about 1,361 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 Cass 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.
Buccaneer Bay against Cass County and Nebraska
| Measure | Buccaneer Bay | Cass County |
|---|---|---|
| Median home value | $316,000 | $247,200 |
| Median property tax | $5,918 | $3,545 |
| Effective tax rate | 1.873% | 1.434% |
| Median gross rent | — | $987 |
| Population | 1,361 | 26,963 |
The weather behind that power bill
Buccaneer Bay sits in Cass County, which averages a high of 85.9°F in its hottest month and a low of 13.7°F in its coldest, with 33.6" of precipitation a year and 43% of it in a single three-month stretch. That climate drives 1,047 cooling and 6,037 heating degree days, which is what sets the $129 electricity line above.
See the full climate breakdown for Cass County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Cass County
Talk to someone who works this market
These are Buccaneer Bay 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 Buccaneer Bay every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Buccaneer Bay I already own here and may sell
Common questions
How much does it cost to own a home in Buccaneer Bay?
A $316,000 home in Buccaneer Bay, Nebraska costs approximately $2,876 per month with 20% down at 7.24%. That is $1,723 principal and interest, $493 property tax, $199 homeowners insurance, $197 utilities and $263 set aside for maintenance.
What is the property tax rate in Buccaneer Bay?
Buccaneer Bay has an effective property tax rate of 1.873%, based on a median home value of $316,000 and median real estate taxes of $5,918. That is higher than the Cass County average of 1.434%.
What is the average home price in Buccaneer Bay?
The median owner-occupied home value in Buccaneer Bay, Nebraska is $316,000, against $247,200 across Cass County.
Is it cheaper to rent or buy in Buccaneer Bay?
Rent data is not published for Buccaneer Bay at this level of detail.
What salary do you need to buy a home in Buccaneer Bay?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Buccaneer Bay, Nebraska at today's rate takes a household income of roughly $123,000 a year. That covers the full $2,876 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Buccaneer Bay, 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.