Cost of Living in Holt County, Nebraska
At a Glance
Rent burden measured as median gross rent as a percentage of renter household income (Census ACS B25071)
How Holt County Compares
Median monthly rent comparison
Detailed Housing Stats
National Ranking
Affordability Rank
Holt County ranks #157 of 3,144 counties for affordability (top 5%)
Data Story
About Cost of Living in Holt County, Nebraska
Holt County rents hit moderate affordability
Holt County renters spend 12.9% of their income on housing, slightly above national standards but reasonable for rural Nebraska. With a median household income of $67,225 and rent of $724 per month, Holt County sits in the moderate affordability zone.
Slightly above Nebraska's housing average
Holt County's 12.9% rent-to-income ratio is closer to the state average of 14.2% than to the most affordable counties, making it a middle-ground option within Nebraska. The median rent of $724 is slightly below the state average of $783, though lower incomes offset some savings.
Moderate costs in a mixed regional market
Holt County renters pay slightly more ($724) than those in Harlan ($708) but far less than Hitchcock ($715) offers less affordability. At 12.9% of income, Holt County's burden sits between Hamilton (11.7%) and Howard (13.1%), making it a balanced middle option.
Holt County's balanced housing equation
A typical Holt County renter earning $67,225 annually spends $724 per month on rent—12.9% of their income. Homeowners pay $697 monthly for properties averaging $152,000, nearly matching rental costs and offering a viable path to ownership.
Holt County balances cost and opportunity
Holt County works well for those seeking moderate housing costs without extreme rural isolation, with rents under $750 and homeownership at similar price points. If you're deciding between multiple Nebraska counties, Holt offers solid middle ground between high-cost and ultra-rural markets.
Cost of Living Advisory: Holt County
Affordability Verdict
Housing in Holt County is affordable. The median rent is $724/month against a median household income of $67,225, putting rent at 12.9% of income.
Rent vs. Own
Renters in Holt County pay $724/month on average, compared to $697/month for homeowners. This market favors buyers by about 4%.
Income Needed
To afford the median rent without exceeding 30% of gross income, a household needs to earn approximately $28,960/year. For owner costs at the 28% rule, the required income is roughly $29,871/year. With a median household income of $67,225, most households can comfortably afford rent here. Notably, 19.0% of renter households in Holt County are cost-burdened, spending more than 30% of income on housing.
Regional Context
Compared to Webster County where rent averages $673/month, Holt County is approximately 8% more expensive.
Affordability Calculator
See how your income compares to housing costs in Holt County
Rent Burden
12.9%
of gross income
Max Housing (28% Rule)
$1,569
per month
Owner Cost Burden
12.4%
of gross income
You can likely afford the median home in Holt County
Median home value is $152,000. Estimated monthly cost: $1,213 vs. your max of $1,569.
Rent Affordability Guide
Income Needed Calculator
See how much you need to earn to comfortably afford housing
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Based on the 30% rule for rent and 28% rule for housing costs (mortgage + owner costs). Mortgage estimate assumes 20% down, 7.2% interest, 30-year fixed.
Frequently Asked Questions
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See Today's RatesData: U.S. Census Bureau, American Community Survey (ACS) 5-Year Estimates (2019-2023) — Informational only. Not financial or legal advice.
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