St. Libory: Housing & Real Estate
St. Libory homes sell at a median $145,000 (estimated market value runs 21% higher at $175,831), with median rent $-666,666,666. Homeownership rate: 84.9%. That's 1.3× below the Howard County median ($181,600); 1.4× below the Nebraska median ($206,065). Market is cold. Vacancy rate 21.3%. A municipal building code is in effect.
- -0.0× annual income — home value vs. household income (vs Nebraska 2.6×).
- 4-BR rent is 1.8× a studio — rent gradient by unit size.
Home Values & Rent
Median home value $145,000 — 0.7× the Nebraska median ($206,064). Median rent $-666,666,666/month. homeownership rate 84.9% — above the U.S. share of ~65%.
| Affordability · Home Price To Income | 1.8× |
|---|---|
| Affordability · Home Affordability | affordable |
| Affordability · Pct Severely Rent Burdened | 42.9% |
| Affordability · Poverty Rate | 7.5% |
| Affordability · Property Tax Pct Income | 1.6% |
| Fair Market Rent · Studio rent | $752 |
| Fair Market Rent · One-bedroom rent | $910 |
| Fair Market Rent · Two-bedroom rent | $1,049 |
| Fair Market Rent · Three-bedroom rent | $1,258 |
| Fair Market Rent · Four-bedroom rent | $1,389 |
| Fair Market Rent · HUD FMR area | Howard County, NE HUD Metro FMR Area |
| Fair Market Rent · Fiscal year | FY2026 |
| Home Value Estimate | $175,831 |
| Median Home Value | $145,000 (vs Nebraska $206,065) |
| Median Rent | $-666,666,666 (vs Nebraska $973) |
Sources: HUD FMR FY2026 · Census ACS 5-Year 2023, B25077 · Census ACS 5-Year 2023 · Refreshed 2026-04-12
Tenure & Occupancy
Owner-occupied vs renter-occupied housing units, plus vacancy rates.
| Housing Market · Market temperature | cold |
|---|---|
| Housing Market · Vacancy rate | 21.3% |
| Housing Market · Price Appreciation 2Yr | -7.5% |
Utilities
Electricity, water, and broadband infrastructure serving residents. Broadband percentages reflect the share of premises that can subscribe to service at the listed speed (FCC Form 477).
Systems (3)
| Broadband · % of premises with 25/3 Mbps broadband | 100.0% |
|---|---|
| Broadband · % of premises with 100/20 Mbps broadband | 100.0% |
| Broadband · % of premises with 250/25 Mbps broadband | 100.0% |
| Broadband · % of premises with 1 Gbps / 100 Mbps broadband | 0.0% |
| Broadband · Broadband-capable premises | 133 |
| Electricity · Electricity rate (¢/kWh) | 11.53¢/kWh |
| Electricity · Customers | 905,415 |
| Electricity · Revenue Millions | $1,198 |
| Electricity · Year | 2024 |
| Mobile Broadband · 3G mobile coverage | 100% |
| Mobile Broadband · 4G mobile coverage | 100% |
| Mobile Broadband · 5G mobile coverage | 50% |
Sources: FCC BDC Jun 2025 · EIA Annual Retail Sales 2023 · FCC BDC Mobile 2024 · Refreshed 2026-04-12
Other
| Homeownership Rate | 84.9% |
|---|---|
| Median Year Built | 1938 |
Sources: Census ACS 5-Year 2023 · Refreshed 2026-04-12