Nebraska mortgage rates and costs by county, 2025
Median figures from closed, first-lien, owner-occupied home loans reported under HMDA. Each county page breaks the numbers down by lender. Counties with fewer than 5 qualifying loans are not listed; see the methodology.
| County | Purchase loans | Median rate | Median total costs | Refinance rate |
|---|---|---|---|---|
| Douglas County | 6,384 | 6.5% | $3,586 | 6.125% |
| Lancaster County | 3,653 | 6.5% | $2,998 | 6.125% |
| Sarpy County | 2,972 | 6.375% | $3,826 | 6% |
| Hall County | 451 | 6.5% | $4,811 | 6.25% |
| Buffalo County | 383 | 6.5% | $3,137 | 6.125% |
| Dodge County | 353 | 6.5% | $3,564 | 6.375% |
| Platte County | 323 | 6.5% | $4,196 | 6.25% |
| Lincoln County | 314 | 6.625% | $3,935 | 6.375% |
| Cass County | 310 | 6.5% | $3,730 | 6.232% |
| Madison County | 268 | 6.375% | $3,884 | 6.375% |
| Saunders County | 244 | 6.5% | $3,425 | 6.125% |
| Adams County | 239 | 6.5% | $3,858 | 6.5% |
| Gage County | 211 | 6.5% | $3,370 | 6.5% |
| Washington County | 208 | 6.5% | $3,419 | 6.25% |
| Dawson County | 189 | 6.625% | $3,687 | 6.375% |
| Seward County | 182 | 6.5% | $3,107 | 6.125% |
| Otoe County | 177 | 6.5% | $4,615 | 6.433% |
| Scotts Bluff County | 153 | 6.625% | $4,488 | 6.25% |
| Dakota County | 140 | 6.5% | $4,320 | 6.312% |
| Saline County | 125 | 6.5% | $3,276 | 6.25% |
| Hamilton County | 125 | 6.625% | $3,040 | 6.375% |
| York County | 115 | 6.5% | $3,262 | 6.25% |
| Red Willow County | 108 | 6.5% | $3,428 | 6.49% |
| Burt County | 80 | 6.5% | $4,110 | 6.125% |
| Keith County | 78 | 6.875% | $3,866 | 6.25% |
| Box Butte County | 77 | 6.5% | $3,881 | 6.5% |
| Jefferson County | 76 | 6.5% | $3,649 | 6.375% |
| Merrick County | 70 | 6.5% | $3,846 | 6.125% |
| Dawes County | 66 | 6.625% | $3,172 | 6.625% |
| Phelps County | 64 | 6.5% | $3,523 | 6.25% |
| Colfax County | 63 | 6.562% | $3,730 | 6.99% |
| Custer County | 62 | 6.5% | $3,205 | 6.125% |
| Holt County | 62 | 6.375% | $3,313 | 6.49% |
| Cheyenne County | 57 | 6.495% | $4,562 | 6.433% |
| Butler County | 52 | 6.625% | $3,381 | 6.375% |
| Clay County | 52 | 6.5% | $3,038 | 6.625% |
| Kearney County | 51 | 6.5% | $4,164 | 6.5% |
| Nemaha County | 49 | 6.5% | $3,575 | 5.99% |
| Howard County | 44 | 6.75% | $4,643 | 6.5% |
| Cuming County | 44 | 6.625% | $3,504 | 6.49% |
| Polk County | 43 | 6.375% | $3,218 | 6.5% |
| Antelope County | 43 | 6.875% | $3,948 | 6.375% |
| Cherry County | 43 | 6.625% | $3,490 | 5.9% |
| Furnas County | 40 | 6.562% | $3,931 | 6.375% |
| Richardson County | 40 | 6.625% | $3,148 | 6.95% |
| Stanton County | 39 | 6.625% | $3,500 | 6.375% |
| Boone County | 38 | 6.438% | $3,151 | 6.25% |
| Fillmore County | 38 | 6.625% | $2,895 | 6.125% |
| Pierce County | 36 | 6.5% | $3,502 | 6.125% |
| Cedar County | 35 | 6.5% | $3,602 | 6.312% |
| Knox County | 33 | 6.625% | $3,164 | 6.375% |
| Kimball County | 32 | 6.5% | $6,359 | 6.25% |
| Wayne County | 32 | 6.75% | $3,674 | 6.187% |
| Valley County | 32 | 6.25% | $5,505 | 6.058% |
| Johnson County | 31 | 6.75% | $6,282 | 6.745% |
| Thayer County | 30 | 6.625% | $3,407 | 6.75% |
| Nuckolls County | 29 | 6.75% | $2,741 | 6.5% |
| Morrill County | 28 | 6.625% | $4,177 | 6.375% |
| Chase County | 28 | 6.875% | $3,415 | 6.375% |
| Webster County | 26 | 6.75% | $3,436 | 6.5% |
| Dixon County | 26 | 6.375% | $4,065 | 6.12% |
| Franklin County | 25 | 6.625% | $3,320 | 6.5% |
| Sheridan County | 22 | 6.625% | $3,445 | 6.49% |
| Hitchcock County | 21 | 6.625% | $3,445 | 6.188% |
| Perkins County | 20 | 7.3% | $4,353 | 7.3% |
| Pawnee County | 20 | 6.625% | $3,556 | 6.625% |
| Sherman County | 18 | 6.375% | $5,260 | n/a |
| Thurston County | 18 | 6.5% | $3,156 | 6.75% |
| Nance County | 17 | 6.688% | $4,654 | 6.75% |
| Harlan County | 15 | 6.812% | $2,880 | 5.75% |
| Gosper County | 14 | 6.5% | $3,795 | 6.62% |
| Dundy County | 13 | 6.683% | $2,782 | 6.25% |
| Garden County | 12 | 6.495% | $4,876 | 5.99% |
| Brown County | 11 | 6.75% | $2,810 | 6.438% |
| Frontier County | 10 | 6.625% | $4,156 | 6% |
| Deuel County | 10 | 6.625% | $4,373 | 6.438% |
| Garfield County | 9 | 5.99% | $5,377 | 7.312% |
| Greeley County | 8 | 6.625% | $3,185 | 6.75% |
| Hayes County | 6 | 6.933% | $3,029 | n/a |
| Rock County | 5 | 6.5% | $3,275 | n/a |
Purchase loans sorted by loan count. Medians describe what closed loans looked like, under those borrowers' profiles and loan sizes; they are not quotes. Source: FFIEC HMDA Modified LAR, filing year 2025.