Real Estate Investing in Saint Helena, Nebraska (68774)

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

Cedar County • Population: 336 • Data updated: September 2026

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Should you buy in 68774 (Saint Helena, NE)? Our answer, based on the numbers below.

🏠 For Homebuyers
CAUTION
Grade D (53/100)

Proceed carefully. Weak appreciation or affordability makes this a harder case for most buyers.

📈 For Investors
MIXED
3.0 / 5 (47/100)

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

⚠️ Risks to Know
2 flags
  • High vacancy: 16.2% of homes vacant — above national norms.
  • High price-to-rent: Price-to-rent ratio 32.4 — hard to cash-flow at these prices.

• Limited market data — this is a very small market; averages are built from few observations and can swing widely. • Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.

What’s happening in Saint Helena, NE (68774)?

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3.0/ 5

Investability

Overall investment appeal

4.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $336,235
Avg Monthly Rent $864
1% Rule ✗ Does Not Meet
Median Income $63,917
% Renters 10.9%

Market Analysis: 68774 Saint Helena

The 68774 ZIP in Saint Helena, NE is a local-operator market. Outside capital chasing a $336K entry has to pair deep knowledge with the discount.

Distressed does not mean uninvestable. It means the margin for error is thinner. ZIP 68774 rewards the prepared, punishes the overconfident, and leaves the math unchanged either way.

Regionally, 68774 sits on the difficult end of the NE spectrum. The a credible choice for read — for disciplined operators — is that pricing reflects the difficulty.

Demographically, 68774 is a market where tenant selection matters more than unit finishes. Operators who understand that tend to do fine; those who do not tend to learn why the ZIP trades at a discount.

Experienced landlords with local relationships tend to find 68774 workable. Turnkey investors from out of state usually find the numbers do not hold up in practice.

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 Saint Helena:

C+ Average
Buy Confidence Score: 65/100
Affordability
10/25
Appreciation
25/25
Stability
7/20
Timing
8/15
Rental backup
15/15
Affordability
Expensive
Homes cost 5.3× the median income
Value Trend
Rising (+7.6%)
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.

Market Trends

Home Value History (with trend line)

$346K$319K$292K$265K$238K$211KFeb 2021Aug 2023Feb 2026

📊 How Does 68774 Compare?

Metric 68774 Saint Helena Nebraska
Home Value $336,235 $336,235 $269,423
5-Year CAGR 8.4% 8.4% 6.7%
Avg Rent $864 $864 -
Cap Rate 2.0% 2.0% -
💡 Why Invest in 68774? Click to expand

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

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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 68774 (Saint Helena, NE). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
2.0%
Low
5yr Growth
+8.4%
Strong

📊 Market Snapshot

Home Value $336,235
Monthly Rent $864
Price-to-Rent 32.4:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 3.1%
Cap Rate 2.0%
5-Year IRR 10.4%

📈 Home Appreciation

1-Year +7.6% ▲
3-Year CAGR +9.0% ▲
5-Year CAGR +8.4% ▲
10-Year CAGR N/A

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 2.0%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (2.0%). 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
16.2%
Elevated risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+8.4%
Growing
Eviction process: Fast Rent control: Favorable

Demographics in 68774

Population: 336

💰 Median Household Income
$63,917
This area
$63,917
State
$70,851
USA
$74,580
🏠 Renter Occupied
10.9%
This area
10.9%
State
22.7%
USA
34.0%
💼 Unemployment Rate
0.8%
This area
0.8%
State
-5.2%
USA
3.7%
🎓 College Educated
8.4%
This area
8.4%
State
15.7%
USA
33.7%
👤 Median Age
42.9 years
This area
42.9 years
State
33.1 years
USA
38.9 years
🏚️ Vacancy Rate
16.2%
This area
16.2%
State
15.6%
USA
10.5%
👥 Population by Ethnicity
White 100.0%
👶 Under 18
24.6%
This area
24.6%
USA
22.0%
👴 65 and Over
19.3%
This area
19.3%
USA
17.3%
📊 Poverty Rate
0.0%
This area
0.0%
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

🎓 Nearby Colleges & Universities

2 Nearby
D
Avera Sacred Heart Hospital
0 students · 7.7 mi
C+
Mount Marty University
1,314 students · 7.9 mi

Frequently Asked Questions

Is Saint Helena, NE a good market for buy-and-hold investors?

Saint Helena, NE scores 3.0/5 for investability. Home values sit at $336K and rents near $864/mo, which keeps the rent-to-price ratio in reasonable territory for buy-and-hold investors.

Are renters plentiful in Saint Helena, NE?

Expect a solid tenant pool in Saint Helena, NE. The rental market absorbs $864/mo rents without meaningful friction.

Where do rents currently stand in Saint Helena, NE?

Expect rents around $864/mo per month in Saint Helena, NE. With home values at $336K, the yield math works out to reasonable levels for rental investors.

Is Saint Helena, NE landlord-friendly?

The landlord environment in Saint Helena, NE is landlord-friendly. Statewide rules shape most day-to-day operations for rental owners.

How quickly do rentals get leased in Saint Helena, NE?

Saint Helena, NE sees elevated vacancy, which is reasonable relative to the broader NE rental market.

You know 68774 now. You don’t know where it ranks.

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