Clearwater, NE 68726 housing market
Data through Aug 2026 · Balanced market
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Home Value
$281,712
+6.0% vs. a year ago
Days on Market
75 days
Sep 2026
Price Cut %
0.0%
Sep 2026
Mtg Payment as % of Income
32%
Aug 2026
Overvalued %
19%
Aug 2026
Expected Disaster Loss
$117
Dec 2025
What this means
- Valuation. Prices are 19% above what local incomes have historically supported (this area's pre-2020 price-to-income ratio).
- Prices. Home values are up 6.0% over the past year (U.S.: +1.2%).
- Negotiating. 0% of listings had a price cut (U.S.: 26%).
- Affordability. A mortgage on the typical home takes 32% of the median household income (U.S.: 35%); it takes about $74k a year to keep the payment at 30% of gross pay. That includes about $2,152 a year for home insurance (U.S.: $1,790).
- Disaster risk. FEMA expects about $117 a year in natural-disaster damage per $100k of building value (U.S.: $155), mostly from flooding.
- Outlook. Leaning up: likely −6% to +10% over the next 12 months (71% chance of a rise).
Next 12 months
Leaning up
Prices are more likely to rise than fall over the next year. Likely change: −6.0% to +10.3% (80% range; middle estimate +3.3%), chance of a rise 71%, of a 5%+ drop 12%.
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.
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Other ZIP codes in Antelope County, NE
| Area | Home value | 1-year change | Buyer leverage |
|---|---|---|---|
| Neligh, NE 68756 | $176.7K | +6.7% | 78 |
| Oakdale, NE 68781 | $215.7K | −0.8% | 83 |
| Elgin, NE 68636 | $249.9K | +5.8% | 49 |
| Orchard, NE 68764 | $230.6K | +3.0% | 28 |
| Oakdale, NE 68761 | $79.7K | +11.4% | 81 |
| Royal, NE 68773 | $216.4K | +1.4% | 40 |
| Plainview, NE 68720 | $317.8K | +6.3% | 13 |