Total monthly cost of ownership
Cost to Own a Home in Scottsbluff, Nebraska
A $141,000 home here costs
$1,310per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $725. The real number is $585 higher every month — 81% 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.
Scottsbluff against Scotts Bluff County and Nebraska
| Measure | Scottsbluff | Scotts Bluff County |
|---|---|---|
| Median home value | $141,300 | $161,400 |
| Median property tax | $2,273 | $2,401 |
| Effective tax rate | 1.609% | 1.488% |
| Median gross rent | $966 | $889 |
| Population | 14,406 | 35,937 |
The weather behind that power bill
Scottsbluff sits in Scotts Bluff County, which averages a high of 90.7°F in its hottest month and a low of 14.4°F in its coldest, with 15.65" of precipitation a year and 46% of it in a single three-month stretch. That climate drives 853 cooling and 6,312 heating degree days, which is what sets the $122 electricity line above.
See the full climate breakdown for Scotts Bluff County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Scotts Bluff County
Full Scotts Bluff County cost breakdown · Every county in Nebraska
Common questions
How much does it cost to own a home in Scottsbluff?
A $141,000 home in Scottsbluff, Nebraska costs approximately $1,310 per month with 20% down at 6.66%. That is $725 principal and interest, $189 property tax, $89 homeowners insurance, $190 utilities and $118 set aside for maintenance.
What is the property tax rate in Scottsbluff?
Scottsbluff has an effective property tax rate of 1.609%, based on a median home value of $141,300 and median real estate taxes of $2,273. That is higher than the Scotts Bluff County average of 1.488%.
What is the average home price in Scottsbluff?
The median owner-occupied home value in Scottsbluff, Nebraska is $141,300, against $161,400 across Scotts Bluff County.
Is it cheaper to rent or buy in Scottsbluff?
Median gross rent in Scottsbluff is $966 a month, against $1,310 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 Scottsbluff — 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.