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Compare Omaha, NE mortgage rates and fees from top lenders. Review free, personalized mortgage rates based on your specifc loan amount, program and other factors. Easily compare APRs, closing costs and monthly payments to find the lowest mortgage rates in Omaha.
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Loan terms assume conforming mortgage amount on single family residence, 80% LTV ratio and minimum borrower credit score of 740. $150,000 minimum mortgage amount. Borrower is responsible for $1,055 lender fee. Loan terms are subject to change without notice.
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Compare Today's Omaha, NE Mortgage Rates
November 29, 2023
Current mortgage rates in Omaha, NE are % for a 30 year fixed rate loan, % for a 15 year fixed loan and % for a 5/1 adjustable rate mortgage (ARM)
Mortgage Program
Today's Omaha, NE Rates
National Average
Comparison
30 Year Fixed Rate
%
7.440%
15 Year Fixed Rate
%
6.760%
5/1 Adjustable Rate Mortgage
%
6.750%
How Affordable is Housing in Omaha, Nebraska?
Below we provide helpful information on the real estate market, home prices and housing affordability in Omaha. Understand how much you need to earn to afford a home in Omaha, including the mortgage you need to qualify for. Review the monthy payment so you can determine if owning a house in Omaha fits your budget. This information is based on proprietary analysis you can only find on FREEandCLEAR and we offer it to help you decide if living in Omaha is right for you.
The median home value for Omaha, NE (Douglas County) is $254,648
Based on current mortgage rates and a 10% down payment, you need to make $53,124 per year to buy the median priced home in Omaha
With this income, you could qualify for a $229,183 mortgage, assuming your monthly debt expense is reasonable
Based on this loan amount, the monthly mortgage payment required to buy the median priced home in Omaha is $1,230
The median household income for Omaha, NE (Douglas County) is $70,302
Based on this income, you can afford a home valued at approximately $336,990
The home price you can afford to buy based on household income in Omaha is 132% of the median home value which means housing prices are average.
Omaha (Douglas County) ranks 92 out of 93 counties in Nebraska and 2,268 out of 3,142 counties in the United States for housing affordability.
According to the FREEandCLEAR Housing Affordability Index, the housing market in Omaha, NE is average
Loan Limits for Omaha, Nebraska
Mortgage limits affect your loan terms, mortgage program eligibility and what price home you can afford. Review the loan limits for Omaha (Douglas County) below.
Conforming loan limits for Omaha, NE
1 unit:$726,200
2 units:$929,850
3 units:$1,123,900
4 units:$1,396,800
FHA loan limits for Omaha, NE
1 unit:$472,030
2 units:$604,400
3 units:$730,525
4 units:$907,900
VA loan limits for Omaha, NE
1 unit:$726,200
Additional Mortgage Resources for Omaha, NE Residents