Median home value in zip code 68812 (Amherst, NE) is $397,047, up 4.4% year over year. Part of the Kearney, NE metropolitan area.

Home Value$397,047

YoY Change

+4.4%

Prices rising — worse for buyers.

Affordability

Enter your income for 68812 (Amherst).

Income (annual)

Down Payment

$79,409 on $397,047

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

Out of reach44.2% of income

Need $118,414/yr to afford.

PITI$2,763

P/I44.2%

Afford$251K

Gap-$146K

P&I $2,008Tax $572Ins $183

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

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

Metro Analysis

68812 is part of the Kearney, NE metropolitan area. See full stress scores, crash risk, early warning signals, and 12-month price forecast for the metro.

View Kearney, NE analysis

Want deeper metro-level analysis?Stress scores, crash risk, 12-month forecasts, and early warning signals for 195 US metros.

Try Free

Weekly briefing

Every Monday — score changes, top movers, and what shifted. Free.