Total monthly cost of ownership
Cost to Own a Home in Imperial, Nebraska
A $177,000 home here costs
$1,578per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $910. The real number is $668 higher every month — 73% 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.
Imperial against Chase County and Nebraska
| Measure | Imperial | Chase County |
|---|---|---|
| Median home value | $176,700 | $178,700 |
| Median property tax | $2,623 | $2,156 |
| Effective tax rate | 1.484% | 1.206% |
| Median gross rent | $1,046 | $749 |
| Population | 2,182 | 3,639 |
The weather behind that power bill
Imperial sits in Chase County, which averages a high of 90.9°F in its hottest month and a low of 16.1°F in its coldest, with 17.47" of precipitation a year and 50% of it in a single three-month stretch. That climate drives 1,015 cooling and 5,961 heating degree days, which is what sets the $122 electricity line above.
See the full climate breakdown for Chase County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Chase County
No other places of this size are published in Chase County.
Common questions
How much does it cost to own a home in Imperial?
A $177,000 home in Imperial, Nebraska costs approximately $1,578 per month with 20% down at 6.66%. That is $910 principal and interest, $219 property tax, $111 homeowners insurance, $190 utilities and $148 set aside for maintenance.
What is the property tax rate in Imperial?
Imperial has an effective property tax rate of 1.484%, based on a median home value of $176,700 and median real estate taxes of $2,623. That is higher than the Chase County average of 1.206%.
What is the average home price in Imperial?
The median owner-occupied home value in Imperial, Nebraska is $176,700, against $178,700 across Chase County.
Is it cheaper to rent or buy in Imperial?
Median gross rent in Imperial is $1,046 a month, against $1,578 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 Imperial — 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.