Real Estate Investing in Saint Libory, Nebraska (68872)

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

Howard County • Population: 1,005 • Data updated: September 2026

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Should you buy in 68872 (Saint Libory, NE)? Our answer, based on the numbers below.

🏠 For Homebuyers
MIXED
Grade C (62/100)

Mixed signals — some positives, some negatives. Worth considering but not a slam-dunk.

📈 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
  • Elevated vacancy: 11.3% vacancy may signal weakening demand.
  • High price-to-rent: Price-to-rent ratio 26.8 — hard to cash-flow at these prices.

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

What’s happening in Saint Libory, NE (68872)?

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3.0/ 5

Investability

Overall investment appeal

3.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $366,934
Avg Monthly Rent $1,143
1% Rule ✗ Does Not Meet
Median Income $81,890
% Renters 14.2%

Market Analysis: 68872 Saint Libory

ZIP 68872 inside Howard County looks affordable on the surface — median value of $367K — but the discount exists for reasons that a careful buyer should understand before committing.

For an experienced owner, 68872 can be a a viable market for hunting ground — but the discount at $367K reflects genuine risk that outside investors often underestimate.

ZIP 68872's metrics run below Howard County's averages on price growth and tenant stability. Investors who ignore that regional gap tend to relearn it the hard way.

The 68872 ZIP's population of 1,005 has faced economic pressure over the last decade. That pressure shows up in rent delinquency patterns that registers the need for careful underwriting.

leans the ZIP is not uninvestable, but it is unforgiving. Section 8 landlords, local operators, and specialized value-add funds are the investor types that tend to succeed.

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 Libory:

C+ Average
Buy Confidence Score: 65/100
Affordability
15/25
Appreciation
22/25
Stability
7/20
Timing
6/15
Rental backup
15/15
Affordability
Moderate
Homes cost 4.5× the median income
Value Trend
Rising (+9.6%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,143/mo if you need to move
Market Conditions
WARM
Seller-favorable conditions, steady activity
Bottom Line: Mixed signals in this market. Research specific properties carefully and be prepared to negotiate.
☀️
WARM MARKET
Grand Island, NE Metro Area
Seller-favorable conditions, steady activity
0 days
Average time to sell
Very Fast
7.0%
Listings with price cuts
Few Cuts
0.0%
Sale price vs asking
Below Ask
0.0%
Income needed for mortgage
Affordable
📅 Market conditions as of August 29, 2026 — updated weekly from Grand Island, NE metro data

Market Trends

Home Value History (with trend line)

$383K$336K$288K$240K$193K$145KApr 2015Dec 2020Jul 2026

📊 How Does 68872 Compare?

Metric 68872 Saint Libory Grand Island, NE Nebraska
Home Value $366,934 $366,934 N/A $269,423
5-Year CAGR 6.8% 6.8% N/A 6.7%
Avg Rent $1,143 $1,143 N/A -
Cap Rate 2.4% 2.4% - -
💡 Why Invest in 68872? 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 68872 (Saint Libory, NE). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
2.4%
Low
5yr Growth
+6.8%
Strong

📉 Market Crash Risk Index

Based on Grand Island, NE metro

0/10
Low Risk
Price YoY
0/3
N/A
Rent YoY
0/2
N/A
Below List
0/3
0%
Days Pending
0/2
0 days

View all metro crash risk rankings →

📊 Market Snapshot

Home Value $366,934
Monthly Rent $1,143
Price-to-Rent 26.8:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 3.7%
Cap Rate 2.4%
5-Year IRR 9.3%

📈 Home Appreciation

1-Year +9.6% ▲
3-Year CAGR +6.2% ▲
5-Year CAGR +6.8% ▲
10-Year CAGR +7.7% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 2.4%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (2.4%). 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
11.3%
Moderate risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+6.8%
Growing
Eviction process: Fast Rent control: Favorable

Demographics in 68872

Population: 1,005

💰 Median Household Income
$81,890
This area
$81,890
State
$70,851
USA
$74,580
🏠 Renter Occupied
14.2%
This area
14.2%
State
22.7%
USA
34.0%
💼 Unemployment Rate
2.4%
This area
2.4%
State
-5.2%
USA
3.7%
🎓 College Educated
21.1%
This area
21.1%
State
15.7%
USA
33.7%
👤 Median Age
47.8 years
This area
47.8 years
State
33.1 years
USA
38.9 years
🏚️ Vacancy Rate
11.3%
This area
11.3%
State
15.6%
USA
10.5%
👥 Population by Ethnicity
White 97.4%
Asian 2.6%
👶 Under 18
19.7%
This area
19.7%
USA
22.0%
👴 65 and Over
18.4%
This area
18.4%
USA
17.3%
📊 Poverty Rate
0.3%
This area
0.3%
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 68872

B+ Avg School Grade
1 Schools
12.9:1 Avg Class Size
$14,637 Avg Per Pupil

Schools in This ZIP Code

B+ Above Average

ST LIBORY ELEMENTARY SCHOOL

📚 Pre-K – 08 School
👥
168 Students
👨‍🏫
12.9:1 Class Size
💰
$14,637 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.

🎓 Nearby Colleges & Universities

1 Nearby 1,674 Off-Campus Students
C+
Central Community College
6,862 students · 14.2 mi

Investor Insight: With 1,674 students living off-campus nearby, this area has strong rental demand from the college population.

Frequently Asked Questions

Should investors consider Saint Libory, NE?

With a 3.0/5 investability score, Saint Libory, NE ranks as a solid market for rental property investors. Median prices of $367K and rents of $1,143/mo drive the underlying numbers.

What real estate strategy is ideal for Saint Libory, NE?

Saint Libory, NE investors pursuing careful cash-flow rentals with hands-on management. The underlying economics ($367K prices, $1,143/mo rents) make it a reasonable choice.

What do landlords charge for rent in Saint Libory, NE?

Rent in Saint Libory, NE is around $1,143/mo. The resulting rent-to-value relationship with $367K pricing is reasonable for most investor models.

How landlord-friendly is Saint Libory, NE?

Landlord-friendliness in Saint Libory, NE is landlord-friendly. Eviction timelines and lease enforcement are considered reasonable by most property managers.

Is it easy to find good tenants in Saint Libory, NE?

Tenant demand in Saint Libory, NE is solid. The local workforce $1,143/mo rents across most rental classes.

You know 68872 now. You don’t know where it ranks.

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How 68872 ranks in Grand Island, NE

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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