Real Estate Investing in Lyman, Nebraska (69352)

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

Scotts Bluff County • Population: 672 • Data updated: September 2026

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Should you buy in 69352 (Lyman, NE)? Our answer, based on the numbers below.

🏠 For Homebuyers
MIXED
Grade C (65/100)

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
1 flag
  • High vacancy: 16.3% of homes vacant — above national norms.

• 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 Lyman, NE (69352)?

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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 $208,006
Avg Monthly Rent $900
1% Rule ✗ Does Not Meet
Median Income $53,711
% Renters 27.6%

Market Analysis: 69352 Lyman

ZIP 69352 in Lyman, NE carries a substantial set of headwinds. Home values near $208K and rents of $900/mo sit inside a market where underwriting has to be tight.

Looking more closely, the numbers look inviting — $208K purchase price, 0.0% nominal cap — the work to hit that pro forma in 69352 is substantial and deserves full respect.

Regionally, 69352 sits on the difficult end of the NE spectrum. The a strong candidate for read — for disciplined operators — is that pricing reflects the difficulty.

Who lives in 69352 is part of why the ZIP is priced as it is. The demographic profile requires hands-on management, tight screening, and local knowledge.

Distressed ZIPs reward experience. robust returns are possible in 69352, but they flow to investors who already understand how to operate in soft markets.

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 Lyman:

C+ Average
Buy Confidence Score: 68/100
Affordability
15/25
Appreciation
25/25
Stability
7/20
Timing
6/15
Rental backup
15/15
Affordability
Moderate
Homes cost 3.9× the median income
Value Trend
Rising (+13.4%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $900/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
Scottsbluff, NE Metro Area
Seller-favorable conditions, steady activity
0 days
Average time to sell
Very Fast
7.5%
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 Scottsbluff, NE metro data
🏠

Property Strategy for 69352

Which property type performs best in this market?

Best for Cash Flow
2BR
4.8% cap rate
Best for Appreciation
3BR
+10.6% 5yr CAGR
Best Overall Value
2BR
$75,208/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
2BR $150,416 $1,000 4.8% +8.6% $75,208
3BR $275,243 $1,320 3.5% +10.6% $91,748

Market Trends

Home Value History (with trend line)

$218K$189K$160K$131K$103K$74KJan 2012May 2019Jul 2026

📊 How Does 69352 Compare?

Metric 69352 Lyman Scottsbluff, NE Nebraska
Home Value $208,006 $208,006 N/A $269,423
5-Year CAGR 8.1% 8.1% N/A 6.7%
Avg Rent $900 $900 N/A -
Cap Rate 3.4% 3.4% - -
💡 Why Invest in 69352? 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 →
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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 69352 (Lyman, NE). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
3.4%
Low
5yr Growth
+8.1%
Strong

📉 Market Crash Risk Index

Based on Scottsbluff, NE metro

2/10
Low Risk
Price YoY
0/3
N/A
Rent YoY
0/2
N/A
Below List
2/3
69%
Days Pending
0/2
0 days

View all metro crash risk rankings →

📊 Market Snapshot

Home Value $208,006
Monthly Rent $900
Price-to-Rent 19.3:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 5.2%
Cap Rate 3.4%
5-Year IRR 11.5%

📈 Home Appreciation

1-Year +13.4% ▲
3-Year CAGR +10.0% ▲
5-Year CAGR +8.1% ▲
10-Year CAGR +7.6% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 3.4%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (3.4%). 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
16.3%
Elevated risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+8.1%
Growing
Eviction process: Fast Rent control: Favorable

Demographics in 69352

Population: 672

💰 Median Household Income
$53,711
This area
$53,711
State
$70,851
USA
$74,580
🏠 Renter Occupied
27.6%
This area
27.6%
State
22.7%
USA
34.0%
💼 Unemployment Rate
2.3%
This area
2.3%
State
-5.2%
USA
3.7%
🎓 College Educated
7.7%
This area
7.7%
State
15.7%
USA
33.7%
👤 Median Age
44.6 years
This area
44.6 years
State
33.1 years
USA
38.9 years
🏚️ Vacancy Rate
16.3%
This area
16.3%
State
15.6%
USA
10.5%
👥 Population by Ethnicity
White 87.0%
Hispanic/Latino 13.0%
Other/Mixed 13.0%
👶 Under 18
19.3%
This area
19.3%
USA
22.0%
👴 65 and Over
25.5%
This area
25.5%
USA
17.3%
📊 Poverty Rate
18.9%
This area
18.9%
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

Frequently Asked Questions

What is the investability score for Lyman, NE?

Lyman, NE reports an investability rating of 3.0/5, with median home values near $208K and average rents around $900/mo. That combination puts it in the impressive tier for investor interest.

Is NE a landlord-friendly state?

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

How tight is the rental market in Lyman, NE?

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

Are renters plentiful in Lyman, NE?

Lyman, NE draws a reliable base of working renters. Demand at the $900/mo rent level is reasonable for standard single-family and small multi rentals.

What monthly rent should investors expect in Lyman, NE?

Rental rates in Lyman, NE average $900/mo. Tenant demand and $208K home values make the yield look reasonable by investor standards.

You know 69352 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 69352 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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How 69352 ranks in Scottsbluff, NE

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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