Total monthly cost of ownership
Cost to Own a Home in Wisner, Nebraska
A $135,000 home here costs
$1,197per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $694. The real number is $503 higher every month — 72% 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.
Wisner against Cuming County and Nebraska
| Measure | Wisner | Cuming County |
|---|---|---|
| Median home value | $134,800 | $174,900 |
| Median property tax | $1,385 | $1,815 |
| Effective tax rate | 1.027% | 1.038% |
| Median gross rent | $828 | $800 |
| Population | 1,436 | 8,976 |
The weather behind that power bill
Wisner sits in Cuming County, which averages a high of 85.0°F in its hottest month and a low of 10.7°F in its coldest, with 30.81" of precipitation a year and 42% of it in a single three-month stretch. That climate drives 914 cooling and 6,775 heating degree days, which is what sets the $122 electricity line above.
See the full climate breakdown for Cuming County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Cuming County
Full Cuming County cost breakdown · Every county in Nebraska
Common questions
How much does it cost to own a home in Wisner?
A $135,000 home in Wisner, Nebraska costs approximately $1,197 per month with 20% down at 6.66%. That is $694 principal and interest, $116 property tax, $85 homeowners insurance, $190 utilities and $113 set aside for maintenance.
What is the property tax rate in Wisner?
Wisner has an effective property tax rate of 1.027%, based on a median home value of $134,800 and median real estate taxes of $1,385. That is lower than the Cuming County average of 1.038%.
What is the average home price in Wisner?
The median owner-occupied home value in Wisner, Nebraska is $134,800, against $174,900 across Cuming County.
Is it cheaper to rent or buy in Wisner?
Median gross rent in Wisner is $828 a month, against $1,197 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 Wisner — 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.