Total monthly cost of ownership
Cost to Own a Home in Fremont, Nebraska
A $194,000 home here costs
$1,700per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $997. The real number is $703 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.
Fremont against Dodge County and Nebraska
| Measure | Fremont | Dodge County |
|---|---|---|
| Median home value | $194,400 | $188,100 |
| Median property tax | $2,757 | $2,591 |
| Effective tax rate | 1.418% | 1.377% |
| Median gross rent | $1,005 | $985 |
| Population | 27,321 | 37,146 |
The weather behind that power bill
Fremont sits in Dodge County, which averages a high of 86.7°F in its hottest month and a low of 12.3°F in its coldest, with 28.26" of precipitation a year and 41% of it in a single three-month stretch. That climate drives 1,014 cooling and 6,408 heating degree days, which is what sets the $122 electricity line above.
See the full climate breakdown for Dodge County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Dodge County
Common questions
How much does it cost to own a home in Fremont?
A $194,000 home in Fremont, Nebraska costs approximately $1,700 per month with 20% down at 6.66%. That is $997 principal and interest, $229 property tax, $122 homeowners insurance, $190 utilities and $162 set aside for maintenance.
What is the property tax rate in Fremont?
Fremont has an effective property tax rate of 1.418%, based on a median home value of $194,400 and median real estate taxes of $2,757. That is higher than the Dodge County average of 1.377%.
What is the average home price in Fremont?
The median owner-occupied home value in Fremont, Nebraska is $194,400, against $188,100 across Dodge County.
Is it cheaper to rent or buy in Fremont?
Median gross rent in Fremont is $1,005 a month, against $1,700 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 Fremont — 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.