Total monthly cost of ownership
Cost to Own a Home in Plattsmouth, Nebraska
A $172,000 home here costs
$1,552per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $884. The real number is $668 higher every month — 76% 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.
Plattsmouth against Cass County and Nebraska
| Measure | Plattsmouth | Cass County |
|---|---|---|
| Median home value | $171,900 | $247,200 |
| Median property tax | $2,710 | $3,545 |
| Effective tax rate | 1.576% | 1.434% |
| Median gross rent | $944 | $987 |
| Population | 6,680 | 26,963 |
The weather behind that power bill
Plattsmouth sits in Cass County, which averages a high of 85.9°F in its hottest month and a low of 13.7°F in its coldest, with 33.6" of precipitation a year and 43% of it in a single three-month stretch. That climate drives 1,047 cooling and 6,037 heating degree days, which is what sets the $122 electricity line above.
See the full climate breakdown for Cass County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Cass County
Common questions
How much does it cost to own a home in Plattsmouth?
A $172,000 home in Plattsmouth, Nebraska costs approximately $1,552 per month with 20% down at 6.66%. That is $884 principal and interest, $226 property tax, $108 homeowners insurance, $190 utilities and $143 set aside for maintenance.
What is the property tax rate in Plattsmouth?
Plattsmouth has an effective property tax rate of 1.576%, based on a median home value of $171,900 and median real estate taxes of $2,710. That is higher than the Cass County average of 1.434%.
What is the average home price in Plattsmouth?
The median owner-occupied home value in Plattsmouth, Nebraska is $171,900, against $247,200 across Cass County.
Is it cheaper to rent or buy in Plattsmouth?
Median gross rent in Plattsmouth is $944 a month, against $1,552 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 Plattsmouth — 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.