Total monthly cost of ownership
Cost to Own a Home in Fremont, Nebraska
A $194,000 home here costs
$1,768per 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 $76,000 a year.
A standard mortgage calculator would have told you $1,058. The real number is $710 higher every month, 67% more than the payment most buyers budget for.
Compare Dodge County with anywhere in America · full county breakdown
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 $129 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
Talk to someone who works this market
These are Fremont 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 Fremont every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Fremont I already own here and may sell
Common questions
How much does it cost to own a home in Fremont?
A $194,000 home in Fremont, Nebraska costs approximately $1,768 per month with 20% down at 7.24%. That is $1,058 principal and interest, $229 property tax, $122 homeowners insurance, $197 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 $1,768 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
What salary do you need to buy a home in Fremont?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Fremont, Nebraska at today's rate takes a household income of roughly $76,000 a year. That covers the full $1,768 monthly cost, not just the mortgage payment.
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.