FairUpdated OCT 1, 2026

Wahoo, NE

ZIP 68066· Saunders County· Omaha-Council Bluffs, NE-IA· 5,725 residents· Median income $90,324· Leaning Seller

68066 · Wahoo, NE has a HavenScore of 54 — market conditions — inventory, days on market, price cuts — currently favor sellers.

At the ZIP's typical value, the estimated monthly payment takes 29% of the local median income (Zillow, US Census ACS). The buyer/seller gauge leans narrowly toward sellers, and has for 7 months. Typical values were flat over the last 90 days (Zillow ZHVI).

Saved ZIPs on Haven get an email when the score moves 5+ points as monthly data lands, when the market gauge flips between buyers and sellers, when its valuation read moves against the model value, or when distress jumps in a week.

Zillow ZHVI peaked at $295,303 in Jul 2026; the latest value is -0.7% from that peak, 1 months on. Since January 2019 it is +76.8%. The sharpest 12-month move was +3.6%, ending Jul 2024.

Median price
$293,274
+5.11% past 12 mo
Est. monthly payment
$2,172/ mo
20% down · 30-yr fixed · 7.03% · incl. tax + insurance
56
HavenScore: higher than 68% of scored ZIPs.
▲ +1 / 90d#59/110 in NEBuyer Score
Rank

Ranked #4,711 of 13,130 nationally · #1,900 of 5,378 small market ZIPs

Switch perspective

Buyer view active — Leans harder on affordability and downside risk.

Score inputs below recompute for this view

Affordability
56/100
Growth
59/100
Risk
63/100
Momentum
34/100
Livability
52/100
Score · trailing 12 mo
62 → 55
-7 points
30-day
+1
90-day
+1
1-yr
-7

Snapshot

Numbers at a glance, with a year of history under each

Median price
$293,274
up+5.1% 12 mo
Typical home value across the middle tier of homes here — a smoothed Zillow index, steadier than individual sale prices.
Median price: higher than 38% of scored ZIPs.
Twelve-month trend shown as a sparkline; the newest value is $293,274.
Price-to-income
3.3×
Median home value divided by median household income. Under 4× has historically been comfortable; over 5× stretches most budgets.
Price-to-income: higher than 16% of scored ZIPs.
Est. monthly payment
$2,172
At the median value with 20% down, a 30-year fixed at 7.03%, plus property tax and insurance.
Est. monthly payment: higher than 16% of scored ZIPs.
Active listings
15
Homes listed for sale right now (Realtor.com). Rising inventory usually favors buyers; falling inventory favors sellers.
Active listings: higher than 11% of scored ZIPs.
Twelve-month trend shown as a sparkline; the newest value is 15.
Days on market
36
How long the typical listing sits before going under contract. Shorter means a tighter market; longer means more room to negotiate.
Days on market: higher than 13% of scored ZIPs.
Twelve-month trend shown as a sparkline; the newest value is 36.
Price cuts
+16.00%
Share of active listings that have lowered their asking price. Rising cuts usually precede softening values.
Twelve-month trend shown as a sparkline; the newest value is +16.00%.
Median income
$90,324
Median household income here, from the latest US Census American Community Survey.
Population
5,725
Current resident estimate. Growth is a demand tailwind; decline is a structural risk.
Twelve-month trend shown as a sparkline; the newest value is 5,725.
Overvaluation
+88.95%
How far today's values sit above the long-run price trend. Positive means stretched; negative means discounted versus trend.
Vacancy
5.0%
Below-average. Share of housing units that are vacant in this ZIP, from the latest US Census ACS 5-year tables.
Owner-occupied
72%
of homes. Share of occupied housing units owned by their occupants (vs. rented), from the US Census ACS.
Denial rate
13.5%
Average. Share of mortgage applications denied in this ZIP, from the latest CFPB / FFIEC HMDA disclosures.
Lending activity
493
originations. Mortgage originations recorded in this ZIP in the most recent HMDA reporting year. Higher counts = more active lending market.
Net migration
-25.1%
net outflow. Net migration as a share of population, from IRS SOI county-to-county migration data. Positive = more people moving in than out.
Income inflow
$67k
average. Average gross income of households moving INTO this ZIP, from IRS SOI data. Higher = ZIP attracting higher-income households.

Place

What it is like to live here, and what could flood or burn

Place profile
WalkabilityBelow-average walkability
EPA index 5.8 of 20 · EPA Smart Location Database · Jun 2021 · above 34% of scored ZIPs
Transit accessNo transit data
EPA publishes no stop distance for most block groups
Typical commuteTypical commute
21 minutes one way · US median ZIP 22 · US Census ACS · above 57% of scored ZIPs
Jobs nearbyFew jobs nearby
30 jobs per sq mi · US Census LODES · above 19% of scored ZIPs
Physical riskRelatively High (FEMA)
FEMA National Risk Index composite · Dec 2025 release · above 16% of scored ZIPs

Bands are each source’s own · tick marks the national median ZIP · not blended into the score

Hazard ledger · FEMA National Risk Index

Tract-level rolled up to ZIP · not a property-level rating · no future-year projection · refreshed annually (Dec 2025 release) · county tick = median of 13 scored ZIPs in Saunders County

Everyday prices · BEA Regional Price Parities

Everyday prices in the Omaha metro run 8% below the US average (BEA Regional Price Parities, 2024).

Rents in the index run 14% below the US average.

$75,000 at US-average prices buys what $68,950 buys here.

Metro-level index, US = 100 · 2024 · the Omaha metro, not this ZIP alone

Housing cost burden · US Census ACS
Owners spending over 50% of income3%
US median ZIP 6%
Renters spending over 30% of income42%
US median ZIP 45%

What drives the score

Five pillars, each scored 0–100

Affordability

56/100

Growth momentum

59/100

Market risk

63/100

Momentum

34/100

Livability

52/100
Walkability
1–20 index · June 2021 vintage·EPA Smart Location Database
5.8
Transit access
Ranked against every scored ZIP·EPA Smart Location Database
—
Job density
Jobs per square mile, ranked against every scored ZIP·US Census LODES
30.4

See every input behind the pillars, with its value and source

Inside: Affordability: Price-to-income, Property tax rate, Median income · Growth momentum: 12-month price change, 12-month rent change, Population · Market risk: Overvaluation, Active listings, Price cuts · Momentum: Days on market, Buyer / seller gauge, Demand dial

Try Haven free for 14 days

Market signals

Tailwinds and headwinds right now

Top 5 of 14 signals
Tailwinds3
  • Affordable vs. income
    3.3× income — below the national median
  • Strong price appreciation
    +5.1% year-over-year
  • Strong job market
    2.6% unemployment
Headwinds2
  • Population outflow
    -25.1% net — people leaving
  • Potentially overvalued
    89% above historical price-to-income
Buyer / seller gauge

Market conditions

Leaning Seller

The score reads conditions tightening in sellers' favor.

+27
Strong buyerBalancedStrong seller
Gauge since Mar 2026Leaning Seller now

Cycle read. Accelerating: prices +5.1% over the trailing year, with the market leaning toward sellers.

Asking vs closed
Typical value (index)
$293,274
Zillow ZHVI · Oct 2026
Median sale price
$284,587
Redfin · Oct 2026
Sale-to-list
97.9%
Redfin · Oct 2026
Sold above list
64.3%
Redfin · Oct 2026

The Zillow figure is a smoothed index of typical value, not a list price; the Redfin figures are closed sales for the month shown.

Momentum check

What's changed in the last 90 days

🔒 Haven
Locked

Median price

——
🔒 Haven
Locked

Inventory

——
🔒 Haven
Locked

Days on market

——

Change vs. prior 90 days · arrow shows direction, not whether it’s good or bad

Pulse signals unlock with Haven, plus a one-line market interpretation.

The 90-day numbers behind each tile open with Haven

Trend

Where it's been

Peak
$295,303
Jul 2026
From peak
-0.7%
1 mo ago
Since Jan 2019
+76.8%
Worst 12 mo
+3.6%
to Jul 2024
Best 12 mo
+17.1%
since 2018

Zillow ZHVI peaked at $295,303 in Jul 2026; the latest value is -0.7% from that peak, 1 months on. Since January 2019 it is +76.8%. The sharpest 12-month move was +3.6%, ending Jul 2024.

Cycle position — prices vs the model’s value estimate and the payment’s share of income vs five years ago — opens with Pro

Appreciation by window

Zillow ZHVI · rank among scored ZIPs
WindowChangePer yearUS rankNebraska rank
1 yearup+5.1%+5.1%/yrTop 17% nationallyTop 11% in Nebraska
3 yearsup+13.3%+4.3%/yrTop 24% nationallyTop 16% in Nebraska
5 yearsup+30.1%+5.4%/yrHigher than 72% nationallyTop 19% in Nebraska
10 yearsup+96.7%+7.0%/yrHigher than 72% nationallyTop 20% in Nebraska
Since 2001up+209.4%+4.6%/yr——

Starter homes vs the top tier

Zillow ZHVI tiers · Aug 2026
Bottom third (starter homes)
$200,939
up+43% 5Yup+139% 10Y
Middle third
$293,274
up+33% 5Yup+102% 10Y
Top third
$523,581
up+30% 5Yup+88% 10Y

Starter homes here rose 43% in five years while top-tier homes rose 30% (Zillow ZHVI tiers) — the bottom of the market outpaced the top.

3-bedroom homes here run 38% above 2-bedrooms (Zillow ZHVI by bedroom); the NE median premium is 25%.

The historical reading — which months run highest and lowest here — opens with Haven

Rent, inventory, days on market, Zillow’s market heat, the % view and state and US reference lines open with Haven

Forecast

Where it's heading

The HavenScore Forecast Model (v1) projects this ZIP’s median value at 3-, 6-, and 12-month horizons, with 80% prediction intervals; Pro adds 24- and 36-month horizons.

Price Forecast

3-month projection · 80% range

🔒 Haven
—————
3-month shown  |  6 & 12 months with Haven →
3-month
$289,579
-1.3%
80% range $284.1K–$298K
6-month
🔒 Haven
12-month
🔒 Haven

Of the 3-month ranges we published since December 2025, 54% contained the actual price. Track record →

6- and 12-month projections, their 80% ranges, and what moves the forecast unlock with Haven.

Zillow's own published forecast has this ZIP's typical value rise 3.1% over the twelve months from August 2026 (Zillow Home Value Forecast).

Forecasts are the model’s projection, not a prediction. Actuals will differ.

See the 6- and 12-month price ranges for this ZIP and what moves the forecast

Haven · 14-day free trial · then from $8/mo

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Monthly cost

What you'd owe each month

Est. monthly payment
$2,172/ mo

20% down · 30-yr fixed · 7.03% · tax 1.63%

Principal$191
Interest$1,374
Property tax$398
Insurance$208
Rent vs buy

Rent data isn’t published for this ZIP, so we can’t compute a rent-vs-buy gap.

Insurance uses the average homeowners premium insurers reported for this ZIP in 2022, $2,492 a year (Treasury Federal Insurance Office).

Payment share of income

29%of the ZIP’s median income at the median value ($2,172/mo against $90,324 · Zillow, Freddie Mac PMMS, US Census ACS). Your own marker appears once you set an income or price in the calculator below.

Price-to-income · ZIP vs state vs US

Median home value ÷ median household income · Zillow ZHVI, US Census ACS · under 4× has historically been comfortable

Run the numbers

Your price, rate, down payment and income

Like for like: a 3-bedroom here rents for about $1,450 a month (HUD Small Area Fair Market Rent, FY2026) against a typical 3-bedroom value of $275k (Zillow ZHVI by bedroom) — a 6.3% gross rent yield.

Cost of ownership over time

Cumulative housing cost, interest paid, and equity built · 20% down · ZIP median income $90,324

See the 1-, 5-, and 30-year cost of owning here

Inside: Total housing cost · Interest paid · Principal paid · Equity built

Try Haven free for 14 days

Equity assumes flat home value; real appreciation could push it higher · Rate 7.03%

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Sources

Every number, traced

Every metric above is sourced from public datasets, normalized against the national ZIP distribution. Home values and rents refresh monthly; demographics refresh annually.

Zillow Research
Home values, rents, inventory, transactions
Realtor.com
Inventory, days on market, price-cut share
Redfin
Sale prices, transaction volume
US Census ACS
Income, population, vacancy, cost burden
Freddie Mac PMMS
Current 30-year fixed mortgage rates
FHFA HPI
Long-term price trends
HUD Small Area FMR
Per-ZIP fair market rents (rural fallback)
BEA & IRS
Personal income growth, net migration
Lending & accessibility
Lending and neighborhood-access signals
Research the restNo crime or school rating here — why. The primary sources:GreatSchools→NCES School Search→FBI Crime Data Explorer→

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