Market Overview
Home Prices in O'' Neill, NE
The median home value in O'' Neill, NE is $189,012 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 4% compared to a year ago and up 5.6% from two years prior.
Compared to the U.S. national median of $410,000, homes in O'' Neill are priced54% below average.
Over the past five years, O'' Neill home values have risen by approximately17.6%, reflecting steady appreciation in this market.
Price History
O'' Neill Home Price Trend
2020
$142,976
$143K
—
2021
$160,787
$161K
+12.5%
2022
$172,406
$172K
+7.2%
2023
$171,415
$171K
-0.6%
2024
$172,100
$172K
+0.4%
2025
$181,669
$182K
+5.6%
2026
$189,012
$189K
+4.0%
City Comparison
O'' Neill vs. National Median
🏠 O'' Neill
$189,012
National Median
$410,000
At $189,012, homes in O'' Neill cost 54% below the national median of $410,000. This makes O'' Neill a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in O'' Neill?
20% Down Payment
$37,802
on $189,012
Monthly P&I
$986/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,252/mo
incl. taxes & insurance
Income Needed
$50,080
gross annual (30% rule)
10% Down Option
$18,901
+ PMI applies
Loan Amount (20% dn)
$151,210
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in O'' Neill, NE?
The median home value in O'' Neill is $189,012 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 4% year-over-year.
How much have home prices changed in O'' Neill?
Over the past year, home values in O'' Neill have increased by 4%. Over five years, prices have risen approximately 17.6%.
How much do I need to earn to buy a home in O'' Neill?
To comfortably afford the median home price of $189,012 with a 20% down payment ($37,802) at today's rates (6.8%), you'd need a gross annual income of approximately $50,080. This assumes keeping total housing costs at or below 30% of gross income.
How does O'' Neill compare to the national average home price?
The national median home value is approximately $410,000. At $189,012, homes in O'' Neill are 54% below the national average.