Banner County, NE housing market

What this means

• Prices. Home values are up 5.0% over the past year (U.S.: +1.2%).
• Supply. There are 100% more homes for sale than the 2017-19 norm, so buyers have more to choose from than before the pandemic.
• Negotiating. Buyer leverage is moderate (55/100; U.S.: 54): homes sell for about 12.8% below their final list price (as of Jul 2026); 0% of listings had a price cut (U.S.: 26%).
• Affordability. A mortgage on the typical home takes 39% of the median household income (U.S.: 35%); it takes about $103k a year to keep the payment at 30% of gross pay. That includes about $2,270 a year for home insurance (U.S.: $1,790).
• Disaster risk. FEMA expects about $188 a year in natural-disaster damage per $100k of building value (U.S.: $155), mostly from flooding.
• Outlook. Leaning up: likely −5% to +11% over the next 12 months (75% chance of a rise).

Next 12 months

Leaning up

Prices are more likely to rise than fall over the next year. Likely change: −5.1% to +11.3% (80% range; middle estimate +4.4%), chance of a rise 75%, of a 5%+ drop 10%.

HouseVane's model, refit every month on local market signals and national ones, trained only on data known at the time. How accurate it has been.

ZIP codes in Banner County, NE