Total monthly cost of ownership
Cost to Own a Home in Hartington, Nebraska
A $169,000 home here costs
$1,517per 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 $65,000 a year.
A standard mortgage calculator would have told you $921. The real number is $596 higher every month, 65% more than the payment most buyers budget for.
Compare Cedar County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Hartington from a five-year rolling sample, and with about 1,736 residents that sample is small. The median home value here carries a much wider margin of error than a big-city figure does, so treat it as indicative rather than exact. The Cedar County figures are drawn from a far larger sample if you want a steadier number.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Hartington against Cedar County and Nebraska
| Measure | Hartington | Cedar County |
|---|---|---|
| Median home value | $169,000 | $175,500 |
| Median property tax | $1,812 | $1,827 |
| Effective tax rate | 1.072% | 1.041% |
| Median gross rent | $685 | $683 |
| Population | 1,736 | 8,344 |
The weather behind that power bill
Hartington sits in Cedar County, which averages a high of 84.8°F in its hottest month and a low of 10.1°F in its coldest, with 29.59" of precipitation a year and 42% of it in a single three-month stretch. That climate drives 811 cooling and 7,025 heating degree days, which is what sets the $129 electricity line above.
See the full climate breakdown for Cedar County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Cedar County
No other places of this size are published in Cedar County.
Talk to someone who works this market
These are Hartington 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 Hartington every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Hartington I already own here and may sell
Common questions
How much does it cost to own a home in Hartington?
A $169,000 home in Hartington, Nebraska costs approximately $1,517 per month with 20% down at 7.24%. That is $921 principal and interest, $151 property tax, $106 homeowners insurance, $197 utilities and $141 set aside for maintenance.
What is the property tax rate in Hartington?
Hartington has an effective property tax rate of 1.072%, based on a median home value of $169,000 and median real estate taxes of $1,812. That is higher than the Cedar County average of 1.041%.
What is the average home price in Hartington?
The median owner-occupied home value in Hartington, Nebraska is $169,000, against $175,500 across Cedar County.
Is it cheaper to rent or buy in Hartington?
Median gross rent in Hartington is $685 a month, against $1,517 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 Hartington?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Hartington, Nebraska at today's rate takes a household income of roughly $65,000 a year. That covers the full $1,517 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Hartington, 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.