Total monthly cost of ownership
Cost to Own a Home in Gretna, Nebraska
A $326,000 home here costs
$2,844per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,676. The real number is $1,168 higher every month — 70% 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.
Gretna against Sarpy County and Nebraska
| Measure | Gretna | Sarpy County |
|---|---|---|
| Median home value | $326,000 | $287,600 |
| Median property tax | $6,017 | $5,157 |
| Effective tax rate | 1.846% | 1.793% |
| Median gross rent | $1,467 | $1,284 |
| Population | 9,117 | 194,051 |
The weather behind that power bill
Gretna sits in Sarpy County, which averages a high of 85.9°F in its hottest month and a low of 14.0°F in its coldest, with 33.17" of precipitation a year and 42% of it in a single three-month stretch. That climate drives 1,044 cooling and 6,209 heating degree days, which is what sets the $122 electricity line above.
See the full climate breakdown for Sarpy County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Sarpy County
Common questions
How much does it cost to own a home in Gretna?
A $326,000 home in Gretna, Nebraska costs approximately $2,844 per month with 20% down at 6.66%. That is $1,676 principal and interest, $501 property tax, $205 homeowners insurance, $190 utilities and $272 set aside for maintenance.
What is the property tax rate in Gretna?
Gretna has an effective property tax rate of 1.846%, based on a median home value of $326,000 and median real estate taxes of $6,017. That is higher than the Sarpy County average of 1.793%.
What is the average home price in Gretna?
The median owner-occupied home value in Gretna, Nebraska is $326,000, against $287,600 across Sarpy County.
Is it cheaper to rent or buy in Gretna?
Median gross rent in Gretna is $1,467 a month, against $2,844 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 Gretna — 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.