Lincoln, NE Mortgage Calculator
Calculate your estimated mortgage payment for a home in Lincoln, NE. Pre-filled with Lincoln's average home price of $250,000, local property tax rate of 1.7%, and typical insurance costs.
$250,000
Avg. Home Price
1.7%
Property Tax Rate
$2,000
Avg. Annual Insurance
-
Est. Monthly Payment (PITI)
$1,784.97
? Monthly payment PITI with taxes & insurance included
$892.48
? Bi-weekly payment PITI if paid every other week
March 2056
? The date of the last payment
December 2052
? The date of the last bi-weekly payment
$255,088.98
? Total interest paid
$203,428.99
? Total interest paid if bi-weekly payments made
$354.17
? Monthly property tax paid (included in above PITI payment)
$166.67
? Monthly Home Insurance paid (included in above PITI payment)
| Payment | Interest | Principal | Balance |
|---|
| April 2026 | $1,083 | $181 | $199,819 |
| May 2026 | $1,082 | $182 | $199,637 |
| June 2026 | $1,081 | $183 | $199,455 |
| July 2026 | $1,080 | $184 | $199,271 |
| August 2026 | $1,079 | $185 | $199,086 |
| September 2026 | $1,078 | $186 | $198,900 |
| October 2026 | $1,077 | $187 | $198,714 |
| November 2026 | $1,076 | $188 | $198,526 |
| December 2026 | $1,075 | $189 | $198,337 |
| 2026 | $10,789 | $1,853 | $198,147 |
| January 2027 | $1,074 | $190 | $198,147 |
| February 2027 | $1,073 | $191 | $197,956 |
| March 2027 | $1,072 | $192 | $197,765 |
| April 2027 | $1,071 | $193 | $197,572 |
| May 2027 | $1,070 | $194 | $197,378 |
| June 2027 | $1,069 | $195 | $197,183 |
| July 2027 | $1,068 | $196 | $196,987 |
| August 2027 | $1,067 | $197 | $196,789 |
| September 2027 | $1,066 | $198 | $196,591 |
| October 2027 | $1,065 | $199 | $196,392 |
| November 2027 | $1,064 | $200 | $196,192 |
| December 2027 | $1,063 | $201 | $195,990 |
| 2027 | $12,810 | $2,360 | $195,788 |
| January 2028 | $1,062 | $203 | $195,788 |
| February 2028 | $1,061 | $204 | $195,584 |
| March 2028 | $1,059 | $205 | $195,379 |
| April 2028 | $1,058 | $206 | $195,174 |
| May 2028 | $1,057 | $207 | $194,967 |
| June 2028 | $1,056 | $208 | $194,759 |
| July 2028 | $1,055 | $209 | $194,549 |
| August 2028 | $1,054 | $210 | $194,339 |
| September 2028 | $1,053 | $211 | $194,128 |
| October 2028 | $1,052 | $213 | $193,915 |
| November 2028 | $1,050 | $214 | $193,701 |
| December 2028 | $1,049 | $215 | $193,486 |
| 2028 | $12,652 | $2,518 | $193,270 |
| January 2029 | $1,048 | $216 | $193,270 |
| February 2029 | $1,047 | $217 | $193,053 |
| March 2029 | $1,046 | $218 | $192,834 |
| April 2029 | $1,045 | $220 | $192,615 |
| May 2029 | $1,043 | $221 | $192,394 |
| June 2029 | $1,042 | $222 | $192,172 |
| July 2029 | $1,041 | $223 | $191,949 |
| August 2029 | $1,040 | $224 | $191,724 |
| September 2029 | $1,039 | $226 | $191,499 |
| October 2029 | $1,037 | $227 | $191,272 |
| November 2029 | $1,036 | $228 | $191,044 |
| December 2029 | $1,035 | $229 | $190,815 |
| 2029 | $12,483 | $2,686 | $190,584 |
| January 2030 | $1,034 | $231 | $190,584 |
| February 2030 | $1,032 | $232 | $190,352 |
| March 2030 | $1,031 | $233 | $190,119 |
| April 2030 | $1,030 | $234 | $189,885 |
| May 2030 | $1,029 | $236 | $189,649 |
| June 2030 | $1,027 | $237 | $189,412 |
| July 2030 | $1,026 | $238 | $189,174 |
| August 2030 | $1,025 | $239 | $188,935 |
| September 2030 | $1,023 | $241 | $188,694 |
| October 2030 | $1,022 | $242 | $188,452 |
| November 2030 | $1,021 | $243 | $188,209 |
| December 2030 | $1,019 | $245 | $187,964 |
| 2030 | $12,304 | $2,866 | $187,718 |
| January 2031 | $1,018 | $246 | $187,718 |
| February 2031 | $1,017 | $247 | $187,471 |
| March 2031 | $1,015 | $249 | $187,222 |
| April 2031 | $1,014 | $250 | $186,972 |
| May 2031 | $1,013 | $251 | $186,721 |
| June 2031 | $1,011 | $253 | $186,468 |
| July 2031 | $1,010 | $254 | $186,214 |
| August 2031 | $1,009 | $255 | $185,958 |
| September 2031 | $1,007 | $257 | $185,701 |
| October 2031 | $1,006 | $258 | $185,443 |
| November 2031 | $1,004 | $260 | $185,183 |
| December 2031 | $1,003 | $261 | $184,922 |
| 2031 | $12,112 | $3,058 | $184,660 |
| January 2032 | $1,002 | $262 | $184,660 |
| February 2032 | $1,000 | $264 | $184,396 |
| March 2032 | $999 | $265 | $184,131 |
| April 2032 | $997 | $267 | $183,864 |
| May 2032 | $996 | $268 | $183,596 |
| June 2032 | $994 | $270 | $183,326 |
| July 2032 | $993 | $271 | $183,055 |
| August 2032 | $992 | $273 | $182,782 |
| September 2032 | $990 | $274 | $182,508 |
| October 2032 | $989 | $276 | $182,233 |
| November 2032 | $987 | $277 | $181,956 |
| December 2032 | $986 | $279 | $181,677 |
| 2032 | $11,907 | $3,263 | $181,397 |
| January 2033 | $984 | $280 | $181,397 |
| February 2033 | $983 | $282 | $181,116 |
| March 2033 | $981 | $283 | $180,832 |
| April 2033 | $980 | $285 | $180,548 |
| May 2033 | $978 | $286 | $180,262 |
| June 2033 | $976 | $288 | $179,974 |
| July 2033 | $975 | $289 | $179,685 |
| August 2033 | $973 | $291 | $179,394 |
| September 2033 | $972 | $292 | $179,101 |
| October 2033 | $970 | $294 | $178,807 |
| November 2033 | $969 | $296 | $178,512 |
| December 2033 | $967 | $297 | $178,215 |
| 2033 | $11,688 | $3,481 | $177,916 |
| January 2034 | $965 | $299 | $177,916 |
| February 2034 | $964 | $300 | $177,615 |
| March 2034 | $962 | $302 | $177,313 |
| April 2034 | $960 | $304 | $177,010 |
| May 2034 | $959 | $305 | $176,704 |
| June 2034 | $957 | $307 | $176,397 |
| July 2034 | $955 | $309 | $176,089 |
| August 2034 | $954 | $310 | $175,778 |
| September 2034 | $952 | $312 | $175,466 |
| October 2034 | $950 | $314 | $175,153 |
| November 2034 | $949 | $315 | $174,837 |
| December 2034 | $947 | $317 | $174,520 |
| 2034 | $11,455 | $3,714 | $174,201 |
| January 2035 | $945 | $319 | $174,201 |
| February 2035 | $944 | $321 | $173,881 |
| March 2035 | $942 | $322 | $173,559 |
| April 2035 | $940 | $324 | $173,235 |
| May 2035 | $938 | $326 | $172,909 |
| June 2035 | $937 | $328 | $172,581 |
| July 2035 | $935 | $329 | $172,252 |
| August 2035 | $933 | $331 | $171,921 |
| September 2035 | $931 | $333 | $171,588 |
| October 2035 | $929 | $335 | $171,253 |
| November 2035 | $928 | $337 | $170,917 |
| December 2035 | $926 | $338 | $170,578 |
| 2035 | $11,206 | $3,963 | $170,238 |
| January 2036 | $924 | $340 | $170,238 |
| February 2036 | $922 | $342 | $169,896 |
| March 2036 | $920 | $344 | $169,552 |
| April 2036 | $918 | $346 | $169,207 |
| May 2036 | $917 | $348 | $168,859 |
| June 2036 | $915 | $349 | $168,509 |
| July 2036 | $913 | $351 | $168,158 |
| August 2036 | $911 | $353 | $167,805 |
| September 2036 | $909 | $355 | $167,450 |
| October 2036 | $907 | $357 | $167,092 |
| November 2036 | $905 | $359 | $166,733 |
| December 2036 | $903 | $361 | $166,372 |
| 2036 | $10,941 | $4,229 | $166,009 |
| January 2037 | $901 | $363 | $166,009 |
| February 2037 | $899 | $365 | $165,645 |
| March 2037 | $897 | $367 | $165,278 |
| April 2037 | $895 | $369 | $164,909 |
| May 2037 | $893 | $371 | $164,538 |
| June 2037 | $891 | $373 | $164,165 |
| July 2037 | $889 | $375 | $163,790 |
| August 2037 | $887 | $377 | $163,413 |
| September 2037 | $885 | $379 | $163,034 |
| October 2037 | $883 | $381 | $162,653 |
| November 2037 | $881 | $383 | $162,270 |
| December 2037 | $879 | $385 | $161,885 |
| 2037 | $10,658 | $4,512 | $161,498 |
| January 2038 | $877 | $387 | $161,498 |
| February 2038 | $875 | $389 | $161,108 |
| March 2038 | $873 | $391 | $160,717 |
| April 2038 | $871 | $394 | $160,323 |
| May 2038 | $868 | $396 | $159,927 |
| June 2038 | $866 | $398 | $159,530 |
| July 2038 | $864 | $400 | $159,130 |
| August 2038 | $862 | $402 | $158,727 |
| September 2038 | $860 | $404 | $158,323 |
| October 2038 | $858 | $407 | $157,917 |
| November 2038 | $855 | $409 | $157,508 |
| December 2038 | $853 | $411 | $157,097 |
| 2038 | $10,356 | $4,814 | $156,684 |
| January 2039 | $851 | $413 | $156,684 |
| February 2039 | $849 | $415 | $156,268 |
| March 2039 | $846 | $418 | $155,850 |
| April 2039 | $844 | $420 | $155,431 |
| May 2039 | $842 | $422 | $155,008 |
| June 2039 | $840 | $425 | $154,584 |
| July 2039 | $837 | $427 | $154,157 |
| August 2039 | $835 | $429 | $153,728 |
| September 2039 | $833 | $431 | $153,296 |
| October 2039 | $830 | $434 | $152,863 |
| November 2039 | $828 | $436 | $152,427 |
| December 2039 | $826 | $438 | $151,988 |
| 2039 | $10,033 | $5,136 | $151,547 |
| January 2040 | $823 | $441 | $151,547 |
| February 2040 | $821 | $443 | $151,104 |
| March 2040 | $818 | $446 | $150,658 |
| April 2040 | $816 | $448 | $150,210 |
| May 2040 | $814 | $450 | $149,760 |
| June 2040 | $811 | $453 | $149,307 |
| July 2040 | $809 | $455 | $148,851 |
| August 2040 | $806 | $458 | $148,393 |
| September 2040 | $804 | $460 | $147,933 |
| October 2040 | $801 | $463 | $147,470 |
| November 2040 | $799 | $465 | $147,005 |
| December 2040 | $796 | $468 | $146,537 |
| 2040 | $9,689 | $5,480 | $146,067 |
| January 2041 | $794 | $470 | $146,067 |
| February 2041 | $791 | $473 | $145,594 |
| March 2041 | $789 | $476 | $145,118 |
| April 2041 | $786 | $478 | $144,640 |
| May 2041 | $783 | $481 | $144,160 |
| June 2041 | $781 | $483 | $143,676 |
| July 2041 | $778 | $486 | $143,190 |
| August 2041 | $776 | $489 | $142,702 |
| September 2041 | $773 | $491 | $142,211 |
| October 2041 | $770 | $494 | $141,717 |
| November 2041 | $768 | $497 | $141,220 |
| December 2041 | $765 | $499 | $140,721 |
| 2041 | $9,322 | $5,847 | $140,219 |
| January 2042 | $762 | $502 | $140,219 |
| February 2042 | $760 | $505 | $139,715 |
| March 2042 | $757 | $507 | $139,207 |
| April 2042 | $754 | $510 | $138,697 |
| May 2042 | $751 | $513 | $138,184 |
| June 2042 | $748 | $516 | $137,669 |
| July 2042 | $746 | $518 | $137,150 |
| August 2042 | $743 | $521 | $136,629 |
| September 2042 | $740 | $524 | $136,105 |
| October 2042 | $737 | $527 | $135,578 |
| November 2042 | $734 | $530 | $135,048 |
| December 2042 | $732 | $533 | $134,516 |
| 2042 | $8,931 | $6,239 | $133,980 |
| January 2043 | $729 | $536 | $133,980 |
| February 2043 | $726 | $538 | $133,442 |
| March 2043 | $723 | $541 | $132,900 |
| April 2043 | $720 | $544 | $132,356 |
| May 2043 | $717 | $547 | $131,809 |
| June 2043 | $714 | $550 | $131,259 |
| July 2043 | $711 | $553 | $130,706 |
| August 2043 | $708 | $556 | $130,150 |
| September 2043 | $705 | $559 | $129,590 |
| October 2043 | $702 | $562 | $129,028 |
| November 2043 | $699 | $565 | $128,463 |
| December 2043 | $696 | $568 | $127,895 |
| 2043 | $8,513 | $6,657 | $127,323 |
| January 2044 | $693 | $571 | $127,323 |
| February 2044 | $690 | $574 | $126,749 |
| March 2044 | $687 | $578 | $126,171 |
| April 2044 | $683 | $581 | $125,591 |
| May 2044 | $680 | $584 | $125,007 |
| June 2044 | $677 | $587 | $124,420 |
| July 2044 | $674 | $590 | $123,829 |
| August 2044 | $671 | $593 | $123,236 |
| September 2044 | $668 | $597 | $122,639 |
| October 2044 | $664 | $600 | $122,040 |
| November 2044 | $661 | $603 | $121,437 |
| December 2044 | $658 | $606 | $120,830 |
| 2044 | $8,067 | $7,103 | $120,221 |
| January 2045 | $654 | $610 | $120,221 |
| February 2045 | $651 | $613 | $119,608 |
| March 2045 | $648 | $616 | $118,991 |
| April 2045 | $645 | $620 | $118,372 |
| May 2045 | $641 | $623 | $117,749 |
| June 2045 | $638 | $626 | $117,122 |
| July 2045 | $634 | $630 | $116,493 |
| August 2045 | $631 | $633 | $115,860 |
| September 2045 | $628 | $637 | $115,223 |
| October 2045 | $624 | $640 | $114,583 |
| November 2045 | $621 | $643 | $113,940 |
| December 2045 | $617 | $647 | $113,293 |
| 2045 | $7,591 | $7,578 | $112,642 |
| January 2046 | $614 | $650 | $112,642 |
| February 2046 | $610 | $654 | $111,988 |
| March 2046 | $607 | $658 | $111,331 |
| April 2046 | $603 | $661 | $110,669 |
| May 2046 | $599 | $665 | $110,005 |
| June 2046 | $596 | $668 | $109,337 |
| July 2046 | $592 | $672 | $108,665 |
| August 2046 | $589 | $676 | $107,989 |
| September 2046 | $585 | $679 | $107,310 |
| October 2046 | $581 | $683 | $106,627 |
| November 2046 | $578 | $687 | $105,940 |
| December 2046 | $574 | $690 | $105,250 |
| 2046 | $7,084 | $8,086 | $104,556 |
| January 2047 | $570 | $694 | $104,556 |
| February 2047 | $566 | $698 | $103,858 |
| March 2047 | $563 | $702 | $103,157 |
| April 2047 | $559 | $705 | $102,451 |
| May 2047 | $555 | $709 | $101,742 |
| June 2047 | $551 | $713 | $101,029 |
| July 2047 | $547 | $717 | $100,312 |
| August 2047 | $543 | $721 | $99,591 |
| September 2047 | $539 | $725 | $98,867 |
| October 2047 | $536 | $729 | $98,138 |
| November 2047 | $532 | $733 | $97,406 |
| December 2047 | $528 | $737 | $96,669 |
| 2047 | $6,542 | $8,628 | $95,929 |
| January 2048 | $524 | $741 | $95,929 |
| February 2048 | $520 | $745 | $95,184 |
| March 2048 | $516 | $749 | $94,436 |
| April 2048 | $512 | $753 | $93,683 |
| May 2048 | $507 | $757 | $92,926 |
| June 2048 | $503 | $761 | $92,165 |
| July 2048 | $499 | $765 | $91,401 |
| August 2048 | $495 | $769 | $90,631 |
| September 2048 | $491 | $773 | $89,858 |
| October 2048 | $487 | $777 | $89,081 |
| November 2048 | $483 | $782 | $88,299 |
| December 2048 | $478 | $786 | $87,513 |
| 2048 | $5,964 | $9,205 | $86,723 |
| January 2049 | $474 | $790 | $86,723 |
| February 2049 | $470 | $794 | $85,929 |
| March 2049 | $465 | $799 | $85,130 |
| April 2049 | $461 | $803 | $84,327 |
| May 2049 | $457 | $807 | $83,520 |
| June 2049 | $452 | $812 | $82,708 |
| July 2049 | $448 | $816 | $81,892 |
| August 2049 | $444 | $821 | $81,071 |
| September 2049 | $439 | $825 | $80,246 |
| October 2049 | $435 | $829 | $79,417 |
| November 2049 | $430 | $834 | $78,583 |
| December 2049 | $426 | $838 | $77,745 |
| 2049 | $5,348 | $9,822 | $76,902 |
| January 2050 | $421 | $843 | $76,902 |
| February 2050 | $417 | $848 | $76,054 |
| March 2050 | $412 | $852 | $75,202 |
| April 2050 | $407 | $857 | $74,345 |
| May 2050 | $403 | $861 | $73,484 |
| June 2050 | $398 | $866 | $72,617 |
| July 2050 | $393 | $871 | $71,747 |
| August 2050 | $389 | $876 | $70,871 |
| September 2050 | $384 | $880 | $69,991 |
| October 2050 | $379 | $885 | $69,106 |
| November 2050 | $374 | $890 | $68,216 |
| December 2050 | $370 | $895 | $67,321 |
| 2050 | $4,690 | $10,480 | $66,422 |
| January 2051 | $365 | $899 | $66,422 |
| February 2051 | $360 | $904 | $65,518 |
| March 2051 | $355 | $909 | $64,608 |
| April 2051 | $350 | $914 | $63,694 |
| May 2051 | $345 | $919 | $62,775 |
| June 2051 | $340 | $924 | $61,851 |
| July 2051 | $335 | $929 | $60,922 |
| August 2051 | $330 | $934 | $59,988 |
| September 2051 | $325 | $939 | $59,048 |
| October 2051 | $320 | $944 | $58,104 |
| November 2051 | $315 | $949 | $57,155 |
| December 2051 | $310 | $955 | $56,200 |
| 2051 | $3,988 | $11,181 | $55,241 |
| January 2052 | $304 | $960 | $55,241 |
| February 2052 | $299 | $965 | $54,276 |
| March 2052 | $294 | $970 | $53,305 |
| April 2052 | $289 | $975 | $52,330 |
| May 2052 | $283 | $981 | $51,349 |
| June 2052 | $278 | $986 | $50,363 |
| July 2052 | $273 | $991 | $49,372 |
| August 2052 | $267 | $997 | $48,375 |
| September 2052 | $262 | $1,002 | $47,373 |
| October 2052 | $257 | $1,008 | $46,366 |
| November 2052 | $251 | $1,013 | $45,353 |
| December 2052 | $246 | $1,018 | $44,334 |
| 2052 | $3,239 | $11,930 | $43,310 |
| January 2053 | $240 | $1,024 | $43,310 |
| February 2053 | $235 | $1,030 | $42,281 |
| March 2053 | $229 | $1,035 | $41,246 |
| April 2053 | $223 | $1,041 | $40,205 |
| May 2053 | $218 | $1,046 | $39,159 |
| June 2053 | $212 | $1,052 | $38,106 |
| July 2053 | $206 | $1,058 | $37,049 |
| August 2053 | $201 | $1,063 | $35,985 |
| September 2053 | $195 | $1,069 | $34,916 |
| October 2053 | $189 | $1,075 | $33,841 |
| November 2053 | $183 | $1,081 | $32,760 |
| December 2053 | $177 | $1,087 | $31,674 |
| 2053 | $2,440 | $12,729 | $30,581 |
| January 2054 | $172 | $1,093 | $30,581 |
| February 2054 | $166 | $1,098 | $29,482 |
| March 2054 | $160 | $1,104 | $28,378 |
| April 2054 | $154 | $1,110 | $27,268 |
| May 2054 | $148 | $1,116 | $26,151 |
| June 2054 | $142 | $1,122 | $25,029 |
| July 2054 | $136 | $1,129 | $23,900 |
| August 2054 | $129 | $1,135 | $22,765 |
| September 2054 | $123 | $1,141 | $21,625 |
| October 2054 | $117 | $1,147 | $20,478 |
| November 2054 | $111 | $1,153 | $19,324 |
| December 2054 | $105 | $1,159 | $18,165 |
| 2054 | $1,588 | $13,582 | $16,999 |
| January 2055 | $98 | $1,166 | $16,999 |
| February 2055 | $92 | $1,172 | $15,827 |
| March 2055 | $86 | $1,178 | $14,649 |
| April 2055 | $79 | $1,185 | $13,464 |
| May 2055 | $73 | $1,191 | $12,273 |
| June 2055 | $66 | $1,198 | $11,075 |
| July 2055 | $60 | $1,204 | $9,871 |
| August 2055 | $53 | $1,211 | $8,660 |
| September 2055 | $47 | $1,217 | $7,443 |
| October 2055 | $40 | $1,224 | $6,219 |
| November 2055 | $34 | $1,230 | $4,989 |
| December 2055 | $27 | $1,237 | $3,752 |
| 2055 | $678 | $14,491 | $2,508 |
| January 2056 | $20 | $1,244 | $2,508 |
| February 2056 | $14 | $1,251 | $1,257 |
| March 2056 | $7 | $1,257 | $0 |
| 2056 | $20 | $2,508 | $0 |
Lincoln, NE Mortgage Overview
The average home in Lincoln costs around $250,000. With a 20% down payment of $50,000, you would need a loan of $200,000.
Lincoln homeowners pay a property tax rate of approximately 1.7%, which translates to about $4,250 per year on the average home. Annual homeowners insurance in Lincoln averages around $2,000.
What Affects Your Lincoln Mortgage Payment?
Your monthly PITI payment in Lincoln includes four components:
- Principal — the portion that reduces your loan balance
- Interest — the cost of borrowing, based on your rate and remaining balance
- Taxes — Lincoln’s property taxes average 1.7%, lower than the Nebraska state average of 1.73%
- Insurance — homeowners insurance in Lincoln averages $2,000/year
Tips for Lincoln Home Buyers
- Compare rates from multiple Lincoln lenders — even a 0.25% rate difference can save tens of thousands over the life of your loan
- Check your credit score before applying — a higher score means better rates
- Consider bi-weekly payments — paying every two weeks instead of monthly can shave years off your mortgage
- Factor in PMI — if your down payment is less than 20%, you’ll pay Private Mortgage Insurance until you reach 80% loan-to-value
- Look at Lincoln first-time buyer programs — many Nebraska cities offer down payment assistance or reduced rates for first-time buyers
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