Total monthly cost of ownership
Cost to Own a Home in Buccaneer Bay, Nebraska
A $316,000 home here costs
$2,770per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,625. The real number is $1,146 higher every month — 71% 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.
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 $122 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
Common questions
How much does it cost to own a home in Buccaneer Bay?
A $316,000 home in Buccaneer Bay, Nebraska costs approximately $2,770 per month with 20% down at 6.66%. That is $1,625 principal and interest, $493 property tax, $199 homeowners insurance, $190 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.
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.