ZIP 68004 · Pender, NE · 993 residents · September 2026
Pender 68004: sellers hold the leverage.
Sellers hold the leverage. Listings move fast and often over asking. Typical home value $250K, +9.9% over 12 months; listings take 76 days to sell against 60 in the median U.S. ZIP.
Market balanceSeptember 2026
In Mar 2026: +75
Higher than 10% of scored ZIPs
Five parts, weighted. How the score works →
The reading
Where the balance sits this month and what moved it.
Month by month, since the gauge began
- Mar 2026+75
- Apr 2026+56
- May 2026+55
- Jun 2026+61
- Jul 2026+55
- Aug 2026—no reading on record
- Sep 2026+48
Each block is one month’s reading, −100 (buyers) to +100 (sellers). The series starts in March 2026. A dashed block has no reading on record. How the balance is measured →
What is pulling the needle
- 76 days on marketslower than the U.S. median ZIP's 60 days
- 0% of listings cut pricefewer than the U.S. median ZIP's 20%
- Sale-to-list —No sale-to-list figure for this ZIP
- 3 active listingsRealtor.com
Blue pulls toward buyers, orange toward sellers. Realtor.com, September 2026; Redfin.
Accelerating: prices +9.9% over the trailing year, with the market leaning toward sellers.
Asking price vs sale price
Zillow's figure is a smoothed index of typical value, not a list price; Redfin's are closed sales for the month shown. A dash means Redfin has no closed-sale figure for the latest month.
Last 90 days
How the typical value and the listings moved over the last three months.
Prices
Typical home value since 2011, and how far it moved over each window.
Zillow ZHVI peaked at $250,213 in August 2026, which is the latest value. Since January 2019 it is +102.6%. The sharpest 12-month move was +1.0%, ending June 2023.
Zillow's typical home value here, $250K in August 2026, is 13% below the median U.S. ZIP's $289K. Over the 12 months to August 2026, Zillow's typical home value moved +9.9% here and +2.8% in the median U.S. ZIP.
Price tiers and bedrooms
Starter homes here rose 39% in five years while top-tier homes rose 11% (Zillow ZHVI tiers) — the bottom of the market outpaced the top.
3-bedroom homes here run 37% above 2-bedrooms (Zillow ZHVI by bedroom); the NE median premium is 25%.
Zillow typical values by price tier, home type and bedrooms, August 2026.
How it ranks
Appreciation by window
| Window | Change | Per year | U.S. rank | Nebraska rank |
|---|---|---|---|---|
| 1 year | +9.9% | +9.9%/yr | Top 2% nationally | Top 1% in Nebraska |
| 3 years | +21.2% | +6.6%/yr | Top 5% nationally | Top 1% in Nebraska |
| 5 years | +46.8% | +8.0%/yr | Top 3% nationally | Top 1% in Nebraska |
| 10 years | +116.8% | +8.0%/yr | Top 11% nationally | Top 6% in Nebraska |
| Since 2011 | +214.1% | +7.6%/yr | — | — |
Zillow ZHVI · rank among scored ZIPs
Forecast
Where the typical value is likely to be over the next 3 to 12 months, with the range the model has earned, and up to 36 months with Pro.
Last three years, then the forecast band
HavenScore Forecast Model (v1) · run October 1, 2026A forecast is a range, not a promise; the confidence word says how wide it is. How the forecast works →
Of the 3-month ranges we published since December 2025, 54% contained the actual price.
Payment
What a typical home here costs each month, against the typical income.
Monthly payment
$2,06241% of the median household income here ($60,515)Above the 36% line lenders use for total debt, for a median earner here. Rate is the Freddie Mac average for September 2026; tax is the state's statutory rate.
Insurance is assumed at 0.5% of the home's value a year; Treasury's Federal Insurance Office did not publish a premium for this ZIP.
Buying costs $1,092 a month more than the HUD fair market rent for a 2-bedroom here (FY 2026), before tax effects and maintenance.
Like for like: the HUD fair market rent for a 3-bedroom here is $1,280 a month (FY 2026), against a typical 3-bedroom value of $273K (Zillow, August 2026) — a 5.6% gross rent yield.
Price-to-income ladder
Median home value ÷ median household income · Zillow ZHVI, Census ACS · under 4× has historically been comfortable
The place
What it costs to own here beyond the price, and what the neighborhood is like.
Typical homes cost 4.1× the median household income here, against 3.6× in the median NE ZIP and 4.3× in the median U.S. ZIP (Zillow, August 2026; Census ACS 2023). Median household income is $60,515 here, against $71,388 in the median U.S. ZIP (Census ACS 2023).
Hazard ledger
FEMA National Risk Index, December 2025 release, refreshed annually · tract-level rolled up to ZIP · not a property-level rating · no future-year projection · the tick is the median of 2 scored ZIPs in Thurston County.
Housing cost burden
Census ACS 2023 five-year estimates · the tick is the U.S. median ZIP.
Behind the score
The inputs behind each of the five parts, against the U.S. median ZIP.
Livability
41Seller's report
A two-page brief for selling here: the market balance, recent signals and an illustrative net-proceeds estimate.
Nearby
3 scored Nebraska ZIPs within 12 miles; the ones below score within ten points and cost less.
Dots are Nebraska ZIP centers colored by market balance; the ring is 12 miles.
Sources and freshness
Every figure on this page, where it came from and when.
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