Rock County, NE housing market

What this means

• Prices. Home values are up 2.9% over the past year (U.S.: +1.2%).
• Supply. Listings are 35% below the 2017-19 norm and rising (+67% vs. a year ago): still a tight market.
• Negotiating. Buyer leverage is low (30/100; U.S.: 54): homes typically sell at or above asking (100.0% of list) (as of Jul 2025); 0% of listings had a price cut (U.S.: 26%).
• Affordability. A mortgage on the typical home takes 22% of the median household income (U.S.: 35%); it takes about $42k a year to keep the payment at 30% of gross pay. That includes about $2,286 a year for home insurance (U.S.: $1,790).
• Disaster risk. FEMA expects about $95 a year in natural-disaster damage per $100k of building value (U.S.: $155), mostly from flooding.
• Outlook. No clear direction: likely −7% to +9% over the next 12 months (64% chance of a rise).

Next 12 months

No clear direction

A rise is somewhat more likely than a fall, but not by enough to call. Likely change: −7.5% to +8.9% (80% range; middle estimate +2.0%), chance of a rise 64%, of a 5%+ drop 15%.

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 Rock County, NE