The story of this market
The typical home in ZIP 68763 sells for about $192,000, or $103 per square foot.
Prices are up +10.8% from a year ago, so sellers still have some momentum. Homes take about 63 days to sell, which is slow. HUD's fair market rent for a two-bedroom is $720 a month.
ZIP 68763 — Oneill
The housing market in 68763 is characterized by low inventory and steady, modest price appreciation driven by local demand. While sales volume remains low, the market is stable with values reflecting the rural economic base of Holt County. Most housing stock consists of single-family homes built in the mid-20th century.
This ZIP is best suited for families and professionals working in the local agricultural or service sectors who value a small-town community environment.
Median prices moved up 10.8% year over year.
Homes spend a median of 63 days on market with 5.0 months of supply — a balanced-paced market.
5% of listings have cut prices · homes sell at 95% of asking — demand is running ahead of supply.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 3.2% · poverty 9.8% — a stable, low-distress profile.
Researched annual trajectory for this ZIP, from published historical series
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 5.3%/yr trend — a deterministic estimate, not a published forecast or guarantee.
versus the prior ACS vintage
ZCTA 68763, Holt County NE
The area is served by O'Neill Public Schools, which generally maintain a stable reputation within the rural Nebraska educational landscape.
The region is subject to standard Midwestern weather risks, including severe thunderstorms and occasional winter weather, with insurance premiums reflecting regional agricultural and climate exposure.
Economic momentum is driven by the agricultural sector and local service industries in O'Neill, which serves as a regional hub for Holt County.
Composed from the ARED governance burden registry — tier-native tax structure (state + county + city + special districts), never averaged. State (Nebraska) — Nebraska Homestead Exemption: Provides a reduction or exemption of property taxes on the primary residence (homestead) of qualified individuals. The specific exemption amount is determined by income brackets and disability status as defined in state statutes. State (Nebraska) — Nebraska Real Property Tax Assessment: Real property is assessed at or near 100% of actual value, except for agricultural and horticultural land, which is assessed at 75% of actual value. Agricultural land is assessed at 50% of actual value for school bond tax purposes.
O'Neill serves as a local employment center; most commutes are short, intra-county drives, with limited public transit options available.
Local amenities include community parks, nearby golf facilities, and access to outdoor recreation typical of the Nebraska Sandhills region.
The rental market is characterized by limited inventory and steady demand, with HUD fair market rents for a two-bedroom unit at $1,010.
The economy is anchored by agriculture, retail, and local government services, with O'Neill acting as the primary commercial center for Holt County.
Transportation is primarily via personal vehicle on regional highway corridors; there is no significant public transit infrastructure.
Development is generally limited to small-scale residential and commercial infill projects.
The Holt County Assessor manages property valuations based on state-mandated assessment cycles.
Parcels are subject to O'Neill Public School district taxes and local municipal levies.
Property insurance markets are stable but sensitive to regional weather-related loss trends.
Data retrieved from US Census Bureau ACS 5-year estimates for ZCTA 68763.
Public schools whose reported address is in this area (NCES). Not attendance boundaries — schools that serve residents may sit outside it. Check the district's address locator for assignment. Source: NCES EDGE public school locations 2023-24.
Serves as a hub for local events and gatherings.
Provides local recreational golf access.
Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.