Total monthly cost of ownership
Cost to Own a Home in Geneva, Nebraska
A $157,000 home here costs
$1,365per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $807. The real number is $558 higher every month — 69% 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.
Geneva against Fillmore County and Nebraska
| Measure | Geneva | Fillmore County |
|---|---|---|
| Median home value | $156,900 | $131,200 |
| Median property tax | $1,657 | $1,481 |
| Effective tax rate | 1.056% | 1.129% |
| Median gross rent | $731 | $667 |
| Population | 2,214 | 5,551 |
The weather behind that power bill
Geneva sits in Fillmore County, which averages a high of 86.5°F in its hottest month and a low of 16.9°F in its coldest, with 28.18" of precipitation a year and 45% of it in a single three-month stretch. That climate drives 1,127 cooling and 5,637 heating degree days, which is what sets the $122 electricity line above.
See the full climate breakdown for Fillmore County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Fillmore County
No other places of this size are published in Fillmore County.
Full Fillmore County cost breakdown · Every county in Nebraska
Common questions
How much does it cost to own a home in Geneva?
A $157,000 home in Geneva, Nebraska costs approximately $1,365 per month with 20% down at 6.66%. That is $807 principal and interest, $138 property tax, $99 homeowners insurance, $190 utilities and $131 set aside for maintenance.
What is the property tax rate in Geneva?
Geneva has an effective property tax rate of 1.056%, based on a median home value of $156,900 and median real estate taxes of $1,657. That is lower than the Fillmore County average of 1.129%.
What is the average home price in Geneva?
The median owner-occupied home value in Geneva, Nebraska is $156,900, against $131,200 across Fillmore County.
Is it cheaper to rent or buy in Geneva?
Median gross rent in Geneva is $731 a month, against $1,365 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 Geneva — 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.