Total monthly cost of ownership
Cost to Own a Home in Sidney, Nebraska
A $137,000 home here costs
$1,307per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $704. The real number is $603 higher every month — 86% 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.
Sidney against Cheyenne County and Nebraska
| Measure | Sidney | Cheyenne County |
|---|---|---|
| Median home value | $137,300 | $129,100 |
| Median property tax | $2,551 | $2,248 |
| Effective tax rate | 1.858% | 1.741% |
| Median gross rent | $914 | $912 |
| Population | 6,396 | 9,478 |
The weather behind that power bill
Sidney sits in Cheyenne County, which averages a high of 88.4°F in its hottest month and a low of 16.8°F in its coldest, with 18.24" of precipitation a year and 48% of it in a single three-month stretch. That climate drives 735 cooling and 6,373 heating degree days, which is what sets the $122 electricity line above.
See the full climate breakdown for Cheyenne County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Cheyenne County
No other places of this size are published in Cheyenne County.
Full Cheyenne County cost breakdown · Every county in Nebraska
Common questions
How much does it cost to own a home in Sidney?
A $137,000 home in Sidney, Nebraska costs approximately $1,307 per month with 20% down at 6.66%. That is $704 principal and interest, $212 property tax, $86 homeowners insurance, $190 utilities and $114 set aside for maintenance.
What is the property tax rate in Sidney?
Sidney has an effective property tax rate of 1.858%, based on a median home value of $137,300 and median real estate taxes of $2,551. That is higher than the Cheyenne County average of 1.741%.
What is the average home price in Sidney?
The median owner-occupied home value in Sidney, Nebraska is $137,300, against $129,100 across Cheyenne County.
Is it cheaper to rent or buy in Sidney?
Median gross rent in Sidney is $914 a month, against $1,307 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 Sidney — 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.