Mortgage payment estimates, closing cost breakdowns, and homebuying data for Fremont, Nebraska.
Median Home Price
$205K
Population
26K
Avg Monthly Rent
$920
Property Tax Rate
1.73% *
* Property tax shown is the Nebraska state average effective rate. Actual rates vary by county, city, and school district — check with your local assessor for exact rates in Fremont.
Fremont vs Nebraska Median
The median home price in Fremont is $205,000, which is 16% below the Nebraska state median of $245,000.
Mortgage Calculator — Fremont, NE
Pre-filled with Fremont median home price and Nebraska tax/insurance rates. Adjust for your property.
Three down payment scenarios for a $205K home using Nebraska's 1.73% tax rate and $2,800/yr insurance.
5% Down
$1,873/mo
Down: $10,250
Loan: $195K
P&I: $1,231
Tax: $296
Insurance: $233
PMI: $114
10% Down
$1,803/mo
Down: $20,500
Loan: $185K
P&I: $1,166
Tax: $296
Insurance: $233
PMI: $108
20% Down (No PMI)
$1,565/mo
Down: $41,000
Loan: $164K
P&I: $1,037
Tax: $296
Insurance: $233
Income needed (28% rule): $67K/year with 20% down, $77K/year with 10% down.
Rent vs Buy in Fremont
Rent
$920/mo
vs
Buy (10% down)
$1,803/mo
Price-to-rent ratio: 18.6 — A ratio between 15-20 means the rent vs buy decision in Fremont depends heavily on your timeline. If you plan to stay 5+ years, buying likely wins. For shorter stays, renting preserves flexibility.
The median home price in Fremont is $205,000, 16% below the Nebraska state median of $245,000. With a population of 26,397, Fremont is a smaller market where home prices tend to be more accessible than in many parts of Nebraska.
Property taxes in Nebraska average 1.73% annually. This higher-than-average tax rate means a $205,000 home in Fremont would carry roughly $296/month in property taxes alone — plan accordingly. Homeowners insurance in Nebraska runs approximately $2,800 per year. This is within the normal range nationally.
Average rent in Fremont is $920/month. The price-to-rent ratio in Fremont is moderate, meaning the buy-vs-rent decision depends heavily on how long you plan to stay.
Fremont offers strong affordability. With median prices under $250K, first-time buyers have realistic paths to homeownership, especially combined with Nebraska's NIFA Homebuyer Assistance program.
Run a Rent vs Buy analysis
Compare total costs of renting vs buying in Fremont.