The median home in Elm Creek, Nebraska is valued at $269,217, up 4.7% year over year. Elm Creek is part of the Kearney, NE metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

Home Value$269,217

+4.7%

Prices rising — worse for buyers.

Affordability

Enter your income for Elm Creek.

Income (annual)

Down Payment

$53,843 on $269,217

Example: $75,000 household income. Change it above to see your own.

Stretch30.9% of income

Above 28% but manageable with cuts.

PITI$1,933

P/I30.9%

Afford$244K

Gap-$25K

P&I $1,361Tax $388Ins $183

6.50% 30yr, 20% down, county tax + NE ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Other cities in Nebraska

Compare Elm Creek with other housing markets across Nebraska.

Walton$662K Roca$582K Denton$579K Raymond$547K Fort Calhoun$522K Martell$520K Malcolm$507K Valley$499K

Full Kearney, NE analysis

Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Kearney, NE metro.

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Elm Creek, NE