Omaha, NE Mortgage Calculator
Calculate your estimated mortgage payment for a home in Omaha, NE. Pre-filled with Omaha's average home price of $260,000, local property tax rate of 1.8%, and typical insurance costs.
$260,000
Avg. Home Price
1.8%
Property Tax Rate
$2,200
Avg. Annual Insurance
-
Est. Monthly Payment (PITI)
$1,888.03
? Monthly payment PITI with taxes & insurance included
$944.02
? 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
$265,292.54
? Total interest paid
$211,566.15
? Total interest paid if bi-weekly payments made
$390
? Monthly property tax paid (included in above PITI payment)
$183.33
? Monthly Home Insurance paid (included in above PITI payment)
| Payment | Interest | Principal | Balance |
|---|
| April 2026 | $1,127 | $188 | $207,812 |
| May 2026 | $1,126 | $189 | $207,623 |
| June 2026 | $1,125 | $190 | $207,433 |
| July 2026 | $1,124 | $191 | $207,242 |
| August 2026 | $1,123 | $192 | $207,050 |
| September 2026 | $1,122 | $193 | $206,856 |
| October 2026 | $1,120 | $194 | $206,662 |
| November 2026 | $1,119 | $195 | $206,467 |
| December 2026 | $1,118 | $196 | $206,271 |
| 2026 | $11,220 | $1,927 | $206,073 |
| January 2027 | $1,117 | $197 | $206,073 |
| February 2027 | $1,116 | $198 | $205,875 |
| March 2027 | $1,115 | $200 | $205,675 |
| April 2027 | $1,114 | $201 | $205,475 |
| May 2027 | $1,113 | $202 | $205,273 |
| June 2027 | $1,112 | $203 | $205,070 |
| July 2027 | $1,111 | $204 | $204,866 |
| August 2027 | $1,110 | $205 | $204,661 |
| September 2027 | $1,109 | $206 | $204,455 |
| October 2027 | $1,107 | $207 | $204,248 |
| November 2027 | $1,106 | $208 | $204,039 |
| December 2027 | $1,105 | $209 | $203,830 |
| 2027 | $13,323 | $2,454 | $203,619 |
| January 2028 | $1,104 | $211 | $203,619 |
| February 2028 | $1,103 | $212 | $203,407 |
| March 2028 | $1,102 | $213 | $203,195 |
| April 2028 | $1,101 | $214 | $202,980 |
| May 2028 | $1,099 | $215 | $202,765 |
| June 2028 | $1,098 | $216 | $202,549 |
| July 2028 | $1,097 | $218 | $202,331 |
| August 2028 | $1,096 | $219 | $202,113 |
| September 2028 | $1,095 | $220 | $201,893 |
| October 2028 | $1,094 | $221 | $201,672 |
| November 2028 | $1,092 | $222 | $201,449 |
| December 2028 | $1,091 | $224 | $201,226 |
| 2028 | $13,158 | $2,618 | $201,001 |
| January 2029 | $1,090 | $225 | $201,001 |
| February 2029 | $1,089 | $226 | $200,775 |
| March 2029 | $1,088 | $227 | $200,548 |
| April 2029 | $1,086 | $228 | $200,319 |
| May 2029 | $1,085 | $230 | $200,090 |
| June 2029 | $1,084 | $231 | $199,859 |
| July 2029 | $1,083 | $232 | $199,627 |
| August 2029 | $1,081 | $233 | $199,393 |
| September 2029 | $1,080 | $235 | $199,159 |
| October 2029 | $1,079 | $236 | $198,923 |
| November 2029 | $1,077 | $237 | $198,686 |
| December 2029 | $1,076 | $238 | $198,447 |
| 2029 | $12,983 | $2,794 | $198,207 |
| January 2030 | $1,075 | $240 | $198,207 |
| February 2030 | $1,074 | $241 | $197,966 |
| March 2030 | $1,072 | $242 | $197,724 |
| April 2030 | $1,071 | $244 | $197,480 |
| May 2030 | $1,070 | $245 | $197,235 |
| June 2030 | $1,068 | $246 | $196,989 |
| July 2030 | $1,067 | $248 | $196,741 |
| August 2030 | $1,066 | $249 | $196,492 |
| September 2030 | $1,064 | $250 | $196,242 |
| October 2030 | $1,063 | $252 | $195,990 |
| November 2030 | $1,062 | $253 | $195,737 |
| December 2030 | $1,060 | $254 | $195,483 |
| 2030 | $12,796 | $2,981 | $195,227 |
| January 2031 | $1,059 | $256 | $195,227 |
| February 2031 | $1,057 | $257 | $194,969 |
| March 2031 | $1,056 | $259 | $194,711 |
| April 2031 | $1,055 | $260 | $194,451 |
| May 2031 | $1,053 | $261 | $194,189 |
| June 2031 | $1,052 | $263 | $193,927 |
| July 2031 | $1,050 | $264 | $193,662 |
| August 2031 | $1,049 | $266 | $193,397 |
| September 2031 | $1,048 | $267 | $193,129 |
| October 2031 | $1,046 | $269 | $192,861 |
| November 2031 | $1,045 | $270 | $192,591 |
| December 2031 | $1,043 | $272 | $192,319 |
| 2031 | $12,596 | $3,180 | $192,046 |
| January 2032 | $1,042 | $273 | $192,046 |
| February 2032 | $1,040 | $274 | $191,772 |
| March 2032 | $1,039 | $276 | $191,496 |
| April 2032 | $1,037 | $277 | $191,219 |
| May 2032 | $1,036 | $279 | $190,940 |
| June 2032 | $1,034 | $280 | $190,659 |
| July 2032 | $1,033 | $282 | $190,377 |
| August 2032 | $1,031 | $283 | $190,094 |
| September 2032 | $1,030 | $285 | $189,809 |
| October 2032 | $1,028 | $287 | $189,522 |
| November 2032 | $1,027 | $288 | $189,234 |
| December 2032 | $1,025 | $290 | $188,944 |
| 2032 | $12,383 | $3,393 | $188,653 |
| January 2033 | $1,023 | $291 | $188,653 |
| February 2033 | $1,022 | $293 | $188,360 |
| March 2033 | $1,020 | $294 | $188,066 |
| April 2033 | $1,019 | $296 | $187,770 |
| May 2033 | $1,017 | $298 | $187,472 |
| June 2033 | $1,015 | $299 | $187,173 |
| July 2033 | $1,014 | $301 | $186,872 |
| August 2033 | $1,012 | $302 | $186,570 |
| September 2033 | $1,011 | $304 | $186,265 |
| October 2033 | $1,009 | $306 | $185,960 |
| November 2033 | $1,007 | $307 | $185,652 |
| December 2033 | $1,006 | $309 | $185,343 |
| 2033 | $12,156 | $3,621 | $185,032 |
| January 2034 | $1,004 | $311 | $185,032 |
| February 2034 | $1,002 | $312 | $184,720 |
| March 2034 | $1,001 | $314 | $184,406 |
| April 2034 | $999 | $316 | $184,090 |
| May 2034 | $997 | $318 | $183,773 |
| June 2034 | $995 | $319 | $183,453 |
| July 2034 | $994 | $321 | $183,132 |
| August 2034 | $992 | $323 | $182,810 |
| September 2034 | $990 | $324 | $182,485 |
| October 2034 | $988 | $326 | $182,159 |
| November 2034 | $987 | $328 | $181,831 |
| December 2034 | $985 | $330 | $181,501 |
| 2034 | $11,913 | $3,863 | $181,169 |
| January 2035 | $983 | $332 | $181,169 |
| February 2035 | $981 | $333 | $180,836 |
| March 2035 | $980 | $335 | $180,501 |
| April 2035 | $978 | $337 | $180,164 |
| May 2035 | $976 | $339 | $179,825 |
| June 2035 | $974 | $341 | $179,484 |
| July 2035 | $972 | $342 | $179,142 |
| August 2035 | $970 | $344 | $178,798 |
| September 2035 | $968 | $346 | $178,451 |
| October 2035 | $967 | $348 | $178,103 |
| November 2035 | $965 | $350 | $177,753 |
| December 2035 | $963 | $352 | $177,401 |
| 2035 | $11,655 | $4,122 | $177,048 |
| January 2036 | $961 | $354 | $177,048 |
| February 2036 | $959 | $356 | $176,692 |
| March 2036 | $957 | $358 | $176,334 |
| April 2036 | $955 | $360 | $175,975 |
| May 2036 | $953 | $362 | $175,613 |
| June 2036 | $951 | $363 | $175,250 |
| July 2036 | $949 | $365 | $174,884 |
| August 2036 | $947 | $367 | $174,517 |
| September 2036 | $945 | $369 | $174,148 |
| October 2036 | $943 | $371 | $173,776 |
| November 2036 | $941 | $373 | $173,403 |
| December 2036 | $939 | $375 | $173,027 |
| 2036 | $11,379 | $4,398 | $172,650 |
| January 2037 | $937 | $377 | $172,650 |
| February 2037 | $935 | $380 | $172,270 |
| March 2037 | $933 | $382 | $171,889 |
| April 2037 | $931 | $384 | $171,505 |
| May 2037 | $929 | $386 | $171,119 |
| June 2037 | $927 | $388 | $170,732 |
| July 2037 | $925 | $390 | $170,342 |
| August 2037 | $923 | $392 | $169,950 |
| September 2037 | $921 | $394 | $169,556 |
| October 2037 | $918 | $396 | $169,159 |
| November 2037 | $916 | $398 | $168,761 |
| December 2037 | $914 | $401 | $168,360 |
| 2037 | $11,084 | $4,692 | $167,958 |
| January 2038 | $912 | $403 | $167,958 |
| February 2038 | $910 | $405 | $167,553 |
| March 2038 | $908 | $407 | $167,145 |
| April 2038 | $905 | $409 | $166,736 |
| May 2038 | $903 | $412 | $166,325 |
| June 2038 | $901 | $414 | $165,911 |
| July 2038 | $899 | $416 | $165,495 |
| August 2038 | $896 | $418 | $165,077 |
| September 2038 | $894 | $421 | $164,656 |
| October 2038 | $892 | $423 | $164,233 |
| November 2038 | $890 | $425 | $163,808 |
| December 2038 | $887 | $427 | $163,381 |
| 2038 | $10,770 | $5,007 | $162,951 |
| January 2039 | $885 | $430 | $162,951 |
| February 2039 | $883 | $432 | $162,519 |
| March 2039 | $880 | $434 | $162,084 |
| April 2039 | $878 | $437 | $161,648 |
| May 2039 | $876 | $439 | $161,209 |
| June 2039 | $873 | $441 | $160,767 |
| July 2039 | $871 | $444 | $160,323 |
| August 2039 | $868 | $446 | $159,877 |
| September 2039 | $866 | $449 | $159,428 |
| October 2039 | $864 | $451 | $158,977 |
| November 2039 | $861 | $454 | $158,524 |
| December 2039 | $859 | $456 | $158,068 |
| 2039 | $10,435 | $5,342 | $157,609 |
| January 2040 | $856 | $459 | $157,609 |
| February 2040 | $854 | $461 | $157,148 |
| March 2040 | $851 | $463 | $156,685 |
| April 2040 | $849 | $466 | $156,219 |
| May 2040 | $846 | $469 | $155,750 |
| June 2040 | $844 | $471 | $155,279 |
| July 2040 | $841 | $474 | $154,805 |
| August 2040 | $839 | $476 | $154,329 |
| September 2040 | $836 | $479 | $153,850 |
| October 2040 | $833 | $481 | $153,369 |
| November 2040 | $831 | $484 | $152,885 |
| December 2040 | $828 | $487 | $152,399 |
| 2040 | $10,077 | $5,700 | $151,909 |
| January 2041 | $825 | $489 | $151,909 |
| February 2041 | $823 | $492 | $151,418 |
| March 2041 | $820 | $495 | $150,923 |
| April 2041 | $817 | $497 | $150,426 |
| May 2041 | $815 | $500 | $149,926 |
| June 2041 | $812 | $503 | $149,423 |
| July 2041 | $809 | $505 | $148,918 |
| August 2041 | $807 | $508 | $148,410 |
| September 2041 | $804 | $511 | $147,899 |
| October 2041 | $801 | $514 | $147,386 |
| November 2041 | $798 | $516 | $146,869 |
| December 2041 | $796 | $519 | $146,350 |
| 2041 | $9,695 | $6,081 | $145,828 |
| January 2042 | $793 | $522 | $145,828 |
| February 2042 | $790 | $525 | $145,303 |
| March 2042 | $787 | $528 | $144,776 |
| April 2042 | $784 | $531 | $144,245 |
| May 2042 | $781 | $533 | $143,712 |
| June 2042 | $778 | $536 | $143,175 |
| July 2042 | $776 | $539 | $142,636 |
| August 2042 | $773 | $542 | $142,094 |
| September 2042 | $770 | $545 | $141,549 |
| October 2042 | $767 | $548 | $141,001 |
| November 2042 | $764 | $551 | $140,450 |
| December 2042 | $761 | $554 | $139,896 |
| 2042 | $9,288 | $6,489 | $139,339 |
| January 2043 | $758 | $557 | $139,339 |
| February 2043 | $755 | $560 | $138,779 |
| March 2043 | $752 | $563 | $138,216 |
| April 2043 | $749 | $566 | $137,650 |
| May 2043 | $746 | $569 | $137,081 |
| June 2043 | $743 | $572 | $136,509 |
| July 2043 | $739 | $575 | $135,934 |
| August 2043 | $736 | $578 | $135,355 |
| September 2043 | $733 | $582 | $134,774 |
| October 2043 | $730 | $585 | $134,189 |
| November 2043 | $727 | $588 | $133,601 |
| December 2043 | $724 | $591 | $133,010 |
| 2043 | $8,853 | $6,923 | $132,416 |
| January 2044 | $720 | $594 | $132,416 |
| February 2044 | $717 | $597 | $131,819 |
| March 2044 | $714 | $601 | $131,218 |
| April 2044 | $711 | $604 | $130,614 |
| May 2044 | $707 | $607 | $130,007 |
| June 2044 | $704 | $610 | $129,396 |
| July 2044 | $701 | $614 | $128,783 |
| August 2044 | $698 | $617 | $128,165 |
| September 2044 | $694 | $620 | $127,545 |
| October 2044 | $691 | $624 | $126,921 |
| November 2044 | $687 | $627 | $126,294 |
| December 2044 | $684 | $631 | $125,663 |
| 2044 | $8,390 | $7,387 | $125,029 |
| January 2045 | $681 | $634 | $125,029 |
| February 2045 | $677 | $637 | $124,392 |
| March 2045 | $674 | $641 | $123,751 |
| April 2045 | $670 | $644 | $123,107 |
| May 2045 | $667 | $648 | $122,459 |
| June 2045 | $663 | $651 | $121,807 |
| July 2045 | $660 | $655 | $121,152 |
| August 2045 | $656 | $658 | $120,494 |
| September 2045 | $653 | $662 | $119,832 |
| October 2045 | $649 | $666 | $119,166 |
| November 2045 | $645 | $669 | $118,497 |
| December 2045 | $642 | $673 | $117,824 |
| 2045 | $7,895 | $7,882 | $117,148 |
| January 2046 | $638 | $676 | $117,148 |
| February 2046 | $635 | $680 | $116,468 |
| March 2046 | $631 | $684 | $115,784 |
| April 2046 | $627 | $688 | $115,096 |
| May 2046 | $623 | $691 | $114,405 |
| June 2046 | $620 | $695 | $113,710 |
| July 2046 | $616 | $699 | $113,011 |
| August 2046 | $612 | $703 | $112,309 |
| September 2046 | $608 | $706 | $111,602 |
| October 2046 | $605 | $710 | $110,892 |
| November 2046 | $601 | $714 | $110,178 |
| December 2046 | $597 | $718 | $109,460 |
| 2046 | $7,367 | $8,409 | $108,738 |
| January 2047 | $593 | $722 | $108,738 |
| February 2047 | $589 | $726 | $108,013 |
| March 2047 | $585 | $730 | $107,283 |
| April 2047 | $581 | $734 | $106,549 |
| May 2047 | $577 | $738 | $105,812 |
| June 2047 | $573 | $742 | $105,070 |
| July 2047 | $569 | $746 | $104,325 |
| August 2047 | $565 | $750 | $103,575 |
| September 2047 | $561 | $754 | $102,821 |
| October 2047 | $557 | $758 | $102,064 |
| November 2047 | $553 | $762 | $101,302 |
| December 2047 | $549 | $766 | $100,536 |
| 2047 | $6,804 | $8,973 | $99,766 |
| January 2048 | $545 | $770 | $99,766 |
| February 2048 | $540 | $774 | $98,991 |
| March 2048 | $536 | $778 | $98,213 |
| April 2048 | $532 | $783 | $97,430 |
| May 2048 | $528 | $787 | $96,643 |
| June 2048 | $523 | $791 | $95,852 |
| July 2048 | $519 | $796 | $95,057 |
| August 2048 | $515 | $800 | $94,257 |
| September 2048 | $511 | $804 | $93,453 |
| October 2048 | $506 | $808 | $92,644 |
| November 2048 | $502 | $813 | $91,831 |
| December 2048 | $497 | $817 | $91,014 |
| 2048 | $6,203 | $9,574 | $90,192 |
| January 2049 | $493 | $822 | $90,192 |
| February 2049 | $489 | $826 | $89,366 |
| March 2049 | $484 | $831 | $88,535 |
| April 2049 | $480 | $835 | $87,700 |
| May 2049 | $475 | $840 | $86,861 |
| June 2049 | $470 | $844 | $86,016 |
| July 2049 | $466 | $849 | $85,168 |
| August 2049 | $461 | $853 | $84,314 |
| September 2049 | $457 | $858 | $83,456 |
| October 2049 | $452 | $863 | $82,594 |
| November 2049 | $447 | $867 | $81,726 |
| December 2049 | $443 | $872 | $80,854 |
| 2049 | $5,562 | $10,215 | $79,978 |
| January 2050 | $438 | $877 | $79,978 |
| February 2050 | $433 | $881 | $79,096 |
| March 2050 | $428 | $886 | $78,210 |
| April 2050 | $424 | $891 | $77,319 |
| May 2050 | $419 | $896 | $76,423 |
| June 2050 | $414 | $901 | $75,522 |
| July 2050 | $409 | $906 | $74,616 |
| August 2050 | $404 | $911 | $73,706 |
| September 2050 | $399 | $915 | $72,791 |
| October 2050 | $394 | $920 | $71,870 |
| November 2050 | $389 | $925 | $70,945 |
| December 2050 | $384 | $930 | $70,014 |
| 2050 | $4,878 | $10,899 | $69,079 |
| January 2051 | $379 | $935 | $69,079 |
| February 2051 | $374 | $941 | $68,138 |
| March 2051 | $369 | $946 | $67,193 |
| April 2051 | $364 | $951 | $66,242 |
| May 2051 | $359 | $956 | $65,286 |
| June 2051 | $354 | $961 | $64,325 |
| July 2051 | $348 | $966 | $63,359 |
| August 2051 | $343 | $972 | $62,387 |
| September 2051 | $338 | $977 | $61,410 |
| October 2051 | $333 | $982 | $60,428 |
| November 2051 | $327 | $987 | $59,441 |
| December 2051 | $322 | $993 | $58,448 |
| 2051 | $4,148 | $11,629 | $57,450 |
| January 2052 | $317 | $998 | $57,450 |
| February 2052 | $311 | $1,004 | $56,447 |
| March 2052 | $306 | $1,009 | $55,438 |
| April 2052 | $300 | $1,014 | $54,423 |
| May 2052 | $295 | $1,020 | $53,403 |
| June 2052 | $289 | $1,025 | $52,378 |
| July 2052 | $284 | $1,031 | $51,347 |
| August 2052 | $278 | $1,037 | $50,310 |
| September 2052 | $273 | $1,042 | $49,268 |
| October 2052 | $267 | $1,048 | $48,220 |
| November 2052 | $261 | $1,054 | $47,167 |
| December 2052 | $255 | $1,059 | $46,108 |
| 2052 | $3,369 | $12,407 | $45,043 |
| January 2053 | $250 | $1,065 | $45,043 |
| February 2053 | $244 | $1,071 | $43,972 |
| March 2053 | $238 | $1,077 | $42,895 |
| April 2053 | $232 | $1,082 | $41,813 |
| May 2053 | $226 | $1,088 | $40,725 |
| June 2053 | $221 | $1,094 | $39,631 |
| July 2053 | $215 | $1,100 | $38,531 |
| August 2053 | $209 | $1,106 | $37,425 |
| September 2053 | $203 | $1,112 | $36,313 |
| October 2053 | $197 | $1,118 | $35,195 |
| November 2053 | $191 | $1,124 | $34,071 |
| December 2053 | $185 | $1,130 | $32,940 |
| 2053 | $2,538 | $13,238 | $31,804 |
| January 2054 | $178 | $1,136 | $31,804 |
| February 2054 | $172 | $1,142 | $30,662 |
| March 2054 | $166 | $1,149 | $29,513 |
| April 2054 | $160 | $1,155 | $28,358 |
| May 2054 | $154 | $1,161 | $27,197 |
| June 2054 | $147 | $1,167 | $26,030 |
| July 2054 | $141 | $1,174 | $24,856 |
| August 2054 | $135 | $1,180 | $23,676 |
| September 2054 | $128 | $1,186 | $22,490 |
| October 2054 | $122 | $1,193 | $21,297 |
| November 2054 | $115 | $1,199 | $20,097 |
| December 2054 | $109 | $1,206 | $18,892 |
| 2054 | $1,651 | $14,125 | $17,679 |
| January 2055 | $102 | $1,212 | $17,679 |
| February 2055 | $96 | $1,219 | $16,460 |
| March 2055 | $89 | $1,226 | $15,235 |
| April 2055 | $83 | $1,232 | $14,003 |
| May 2055 | $76 | $1,239 | $12,764 |
| June 2055 | $69 | $1,246 | $11,518 |
| July 2055 | $62 | $1,252 | $10,266 |
| August 2055 | $56 | $1,259 | $9,007 |
| September 2055 | $49 | $1,266 | $7,741 |
| October 2055 | $42 | $1,273 | $6,468 |
| November 2055 | $35 | $1,280 | $5,188 |
| December 2055 | $28 | $1,287 | $3,902 |
| 2055 | $705 | $15,071 | $2,608 |
| January 2056 | $21 | $1,294 | $2,608 |
| February 2056 | $14 | $1,301 | $1,308 |
| March 2056 | $7 | $1,308 | $0 |
| 2056 | $21 | $2,608 | $0 |
Omaha, NE Mortgage Overview
The average home in Omaha costs around $260,000. With a 20% down payment of $52,000, you would need a loan of $208,000.
Omaha homeowners pay a property tax rate of approximately 1.8%, which translates to about $4,680 per year on the average home. Annual homeowners insurance in Omaha averages around $2,200.
What Affects Your Omaha Mortgage Payment?
Your monthly PITI payment in Omaha includes four components:
- Principal — the portion that reduces your loan balance
- Interest — the cost of borrowing, based on your rate and remaining balance
- Taxes — Omaha’s property taxes average 1.8%, higher than the Nebraska state average of 1.73%
- Insurance — homeowners insurance in Omaha averages $2,200/year
Tips for Omaha Home Buyers
- Compare rates from multiple Omaha 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 Omaha first-time buyer programs — many Nebraska cities offer down payment assistance or reduced rates for first-time buyers
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