Real Estate Investing in Humboldt, Nebraska (68376)

Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.

Richardson County • Population: 1,127 • Data updated: September 2026

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Should you buy in 68376 (Humboldt, NE)? Our answer, based on the numbers below.

🏠 For Homebuyers
GOOD FIT
Grade B (72/100)

Solid choice — values are growing steadily and the market is stable enough to buy with confidence.

📈 For Investors
MIXED
3.0 / 5 (52/100)

A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.

⚠️ Risks to Know
1 flag
  • High vacancy: 18.3% of homes vacant — above national norms.

• Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.

What’s happening in Humboldt, NE (68376)?

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3.0/ 5

Investability

Overall investment appeal

3.0/ 5

Appreciation

Long-term value growth

4.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $139,768
Avg Monthly Rent $864
1% Rule ✗ Does Not Meet
Median Income $61,458
% Renters 30.0%

Market Analysis: 68376 Humboldt

Investors eyeing 68376 need to respect the fundamentals at play. Home values of $140K come alongside slower price movement and elevated management overhead.

Distressed markets are won on execution, not on spreadsheets. ZIP 68376 reflects the profile where tenant screening, deferred maintenance, and local relationships determine the outcome.

Nearby ZIPs in Humboldt have seen price recovery that 68376 has not matched. Richardson County data supports the view that the spread is structural rather than temporary.

Put differently, 1,127 residents fill the ZIP, renter turnover runs higher than neighboring postal codes and delinquency risk is a real line item rather than a theoretical one.

New investors are better served looking at Humboldt's stable or hybrid ZIPs before stepping into 68376. The learning curve here is expensive when the lesson is wrong.

Explore the Data — Click a Tab Below
🏦 Current 30-yr Fixed Mortgage Rate: 6.76% as of Sep 10 Source: Freddie Mac PMMS

Here's what matters if you're considering buying a home in Humboldt:

B Good
Buy Confidence Score: 77/100
Affordability
25/25
Appreciation
22/25
Stability
7/20
Timing
8/15
Rental backup
15/15
Affordability
Affordable
Homes cost 2.3× the median income
Value Trend
Rising (+3.3%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $864/mo if you need to move
Market Conditions
BALANCED
Even conditions for buyers and sellers
Bottom Line: Mixed signals in this market. Research specific properties carefully and be prepared to negotiate.
🏠

Property Strategy for 68376

Which property type performs best in this market?

Best for Cash Flow
2BR
7.5% cap rate
Best for Appreciation
3BR
+7.9% 5yr CAGR
Best Overall Value
2BR
$46,146/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
2BR $92,292 $960 7.5% +7.7% $46,146
3BR $188,104 $1,150 4.4% +7.9% $62,701

Market Trends

Home Value History (with trend line)

$152K$135K$118K$102K$85K$68KFeb 2016May 2021Jul 2026

📊 How Does 68376 Compare?

Metric 68376 Humboldt Nebraska
Home Value $139,768 $139,768 $269,423
5-Year CAGR 5.5% 5.5% 6.7%
Avg Rent $864 $864 -
Cap Rate 4.8% 4.8% -
💡 Why Invest in 68376? Click to expand

With a 3/5 investability rating, this ZIP shows solid fundamentals for buy-and-hold investors.

📊 See where this ZIP ranks in our Best-of lists →
A great house in the wrong ZIP is still a bad deal — screen every market by cash flow & cap rate.
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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 68376 (Humboldt, NE). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
4.8%
Fair
5yr Growth
+5.5%
Moderate

📊 Market Snapshot

Home Value $139,768
Monthly Rent $864
Price-to-Rent 13.5:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 7.4%
Cap Rate 4.8%
5-Year IRR 10.4%

📈 Home Appreciation

1-Year +3.3% ▲
3-Year CAGR +2.3% ▲
5-Year CAGR +5.5% ▲
10-Year CAGR +6.4% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 4.8%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (4.8%). Financing reduces your cash-on-cash return below the cap rate. Markets like this may still make sense as IRR plays — factoring in appreciation, depreciation, and a future refinance when rates drop.

Run an IRR Analysis →

⚠️ Risk Signals

Composite view of factors that can impact a ZIP's stability and your downside risk.

Vacancy
18.3%
Elevated risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+5.5%
Stable
Eviction process: Fast Rent control: Favorable

Demographics in 68376

Population: 1,127

💰 Median Household Income
$61,458
This area
$61,458
State
$70,851
USA
$74,580
🏠 Renter Occupied
30.0%
This area
30.0%
State
22.7%
USA
34.0%
💼 Unemployment Rate
3.0%
This area
3.0%
State
-5.2%
USA
3.7%
🎓 College Educated
16.1%
This area
16.1%
State
15.7%
USA
33.7%
👤 Median Age
46.0 years
This area
46.0 years
State
33.1 years
USA
38.9 years
🏚️ Vacancy Rate
18.3%
This area
18.3%
State
15.6%
USA
10.5%
👥 Population by Ethnicity
White 90.0%
Other/Mixed 6.2%
Black/African American 3.9%
Hispanic/Latino 1.4%
👶 Under 18
20.3%
This area
20.3%
USA
22.0%
👴 65 and Over
27.1%
This area
27.1%
USA
17.3%
📊 Poverty Rate
6.0%
This area
6.0%
USA
11.5%

Crime & Safety

🚧

Crime & Safety Data Coming Soon

We're integrating comprehensive crime statistics including violent crime rates, property crime, and safety scores to help you make informed investment decisions.

Expected: Q1 2025

🎓 Schools in 68376

A+ Avg School Grade
3 Schools
7.3:1 Avg Class Size
$26,813 Avg Per Pupil

Schools in This ZIP Code

A+ Excellent

HTRS ELEMENTARY SCHOOL

📚 Pre-K – 05 Elementary
👥
160 Students
👨‍🏫
8.4:1 Class Size
💰
$26,813 Per Student
A Very Good

HTRS HIGH SCHOOL

📚 09 – 12 High School
👥
81 Students
👨‍🏫
7.8:1 Class Size
💰
$26,813 Per Student
A Very Good

HTRS MIDDLE SCHOOL

📚 06 – 08 Middle
👥
57 Students
👨‍🏫
5.8:1 Class Size
💰
$26,813 Per Student
About Repit School Scores

Traditional school ratings rely heavily on standardized test scores, which often reflect family income more than school quality. Repit takes a different approach.

We evaluate schools based on factors that research shows actually impact educational outcomes:

  • Class Size — Smaller classes mean more individual attention
  • School Funding — Resources available for programs, staff, and facilities
  • Community Factors — Neighborhood characteristics that influence student success
  • School Environment — Size, type, and structure

Scores are updated annually using federal education data.

Frequently Asked Questions

What is the average monthly rent in Humboldt, NE?

Rent in Humboldt, NE is around $864/mo. The resulting rent-to-value relationship with $140K pricing is reasonable for most investor models.

Are renters plentiful in Humboldt, NE?

Working renters make up the core of the Humboldt, NE tenant base. The pool is reasonable for investors targeting long-term holds.

How high is vacancy risk in Humboldt, NE?

Vacancy risk in Humboldt, NE is elevated. That supports reliable cash flow for typical rental holds.

How viable is house hacking in Humboldt, NE?

House hacking in Humboldt, NE is a challenging. With home values around $140K and rents at $864/mo, owner-occupants can offset a meaningful share of PITI.

Is Humboldt, NE a smart market for rental property?

The 3.0/5 investability rating in Humboldt, NE reflects its $140K prices and $864/mo rents. Investors generally consider it a solid option within NE.

You know 68376 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 68376 compares to every other market. Investor ($19/mo) screens every U.S. ZIP by cap rate, the 1% rule, vacancy and landlord climate, and exports your shortlist.

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