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TruePITI
Live Rates
30-Year Fixed6.710%+0.050|15-Year Fixed6.040%+0.060|30-Year FHA6.460%+0.050|30-Year VA6.210%+0.040|5/1 ARM6.210%+0.040|7/1 ARM6.340%+0.050|30-Year Jumbo7.210%+0.050|15-Year Jumbo6.710%+0.060|CA Avg6.650%-0.080|TX Avg6.700%+0.050|FL Avg6.700%-0.030|NY Avg6.680%-0.100|PA Avg6.690%-0.050|IL Avg6.730%+0.020|OH Avg6.750%-0.070|GA Avg6.680%0.000|NC Avg6.670%-0.040|MI Avg6.740%-0.060|AZ Avg6.700%+0.030|WA Avg6.640%-0.090|30-Year Fixed6.710%+0.050|15-Year Fixed6.040%+0.060|30-Year FHA6.460%+0.050|30-Year VA6.210%+0.040|5/1 ARM6.210%+0.040|7/1 ARM6.340%+0.050|30-Year Jumbo7.210%+0.050|15-Year Jumbo6.710%+0.060|CA Avg6.650%-0.080|TX Avg6.700%+0.050|FL Avg6.700%-0.030|NY Avg6.680%-0.100|PA Avg6.690%-0.050|IL Avg6.730%+0.020|OH Avg6.750%-0.070|GA Avg6.680%0.000|NC Avg6.670%-0.040|MI Avg6.740%-0.060|AZ Avg6.700%+0.030|WA Avg6.640%-0.090|

Best Mortgage Rates in Sarpy County, Nebraska

Omaha suburb south of the city with rapid population growth.

Rate data: Freddie Mac PMMS · Updated September 14, 2026 (build 2026-09-14)

Loan TypeSarpy CountyNebraska AvgNational
30-Year Fixed6.710%6.710%6.710%
15-Year Fixed5.960%5.960%5.875%
30-Year FHA6.460%6.460%6.375%
30-Year VA6.210%6.210%6.125%

County figures are the Nebraska average adjusted for local market conditions. Actual rates vary by lender, credit score, and loan size.

In Sarpy County, property tax runs 1.91% of home value — $575/mo on the $361,009 median home. That's not a footnote; it's 19% of the PITI total before you finance anything.

Run the same home with 10% down and your payment includes $190/mo of PMI on top. Combined: $3,018/mo — and on an $80,000 household income, that lands a 52.8% back-end DTI, above the 43% conventional ceiling.

What this means in practice: in high-tax counties, the tax bill, not the rate, is what breaks your qualification. The lever that fixes it is usually the down payment — every 5 points of down payment removes roughly $191/mo and pulls DTI down by 2.9 points. The second lever is loan type: FHA underwrites to 57% back-end.

Your Sarpy County payment already includes $575/mo in property tax

And if you're putting down less than 20%, PMI adds $190/mo on top. Run your income through the DTI gauge: if it's over 43%, most conventional lenders stop the conversation there. You don't want to find that out at underwriting.

Two moves keep you in the game: a larger down payment, or a lender that writes high-DTI files. FHA caps at 57%, and some licensed lenders offer PMI-reduction programs. Match your profile against lenders rather than picking one on brand.

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Calculate your Sarpy County monthly payment

Principal, interest, taxes, insurance & PMI — the true monthly cost.

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Frequently Asked Questions

What is the average mortgage rate in Sarpy County, Nebraska?

The average 30-year fixed rate in Sarpy County is about 6.710% as of September 14, 2026, based on the state average of 6.710% adjusted for local market conditions. Your actual rate depends on credit score, loan size, and lender.

How much house can I afford in Sarpy County?

With a typical 20% down payment and the 6.710% county-average rate, a $100,000 household income qualifies for roughly a $400,000-$450,000 home before property taxes and insurance. Use our affordability calculator for your exact numbers.

Should I get a 15-year or 30-year mortgage in Sarpy County?

A 15-year loan runs about 5.960% in Sarpy County — around 0.75% lower than a 30-year — but the monthly payment is roughly 40-50% higher. Choose 15 years if you want to minimize total interest; choose 30 if monthly cash flow matters more.