{"area":{"county":"Antelope County","state":"NE","stateName":"Nebraska","slug":"antelope-ne","metro":null},"homeValue":{"series":[{"date":"2021-04-01","value":114334},{"date":"2021-07-01","value":118430},{"date":"2021-10-01","value":122162},{"date":"2022-01-01","value":126044},{"date":"2022-04-01","value":129301},{"date":"2022-07-01","value":130300},{"date":"2022-10-01","value":132393},{"date":"2023-01-01","value":134256},{"date":"2023-04-01","value":136146},{"date":"2023-07-01","value":139424},{"date":"2023-10-01","value":138596},{"date":"2024-01-01","value":142890},{"date":"2024-04-01","value":145067},{"date":"2024-07-01","value":144504},{"date":"2024-10-01","value":148519},{"date":"2025-01-01","value":147953},{"date":"2025-04-01","value":149767},{"date":"2025-07-01","value":150606},{"date":"2025-10-01","value":151874},{"date":"2026-01-01","value":153593},{"date":"2026-04-01","value":152800}],"latest":152800,"yoy":2.025145726361615,"fiveYr":33.64353560620638,"sinceStart":337.28357610966435,"modeled":true},"rent":{"series":[{"date":"2026-11-01","value":1014}],"latest":1014,"yoy":null,"fiveYr":null,"sinceStart":null,"modeled":true},"census":{"medianIncome":66105,"population":6305,"povertyRate":9.240871236386932,"medianHomeValue":130300,"medianGrossRent":692,"medianPropertyTax":1608},"hud":{"county":"Antelope County","year":"2027","perUnit":1014,"bedrooms":2,"estimated":false,"baseBedrooms":2},"crime":{"scope":"state","state":"Nebraska","period":"10-2024 to 09-2026","window":{"from":"10-2024","to":"09-2026","fellBack":false},"violentCrime":{"total":8346,"ratePer100k":206.7882850695191},"propertyCrime":{"total":52809,"ratePer100k":1308.445069043402},"note":"State-level totals from the FBI CDE summarized offense endpoint."},"crimeVintage":{"from":"10-2024","to":"09-2026","fellBack":false},"priceToRentRatio":12.6,"ratioVerdict":"Favorable for buying — price-to-rent favors owning (modeled investor cash flow is negative, so this is owner-occupant math — it is not a claim of strong rental yield)","priceCagr":5.972465874973709,"rentCagr":3,"cashFlow":{"price":152800,"monthlyRent":1014,"grossRent":1014,"downPct":20,"ratePct":6.75,"units":1,"state":"NE","down":30560,"loan":122240,"mortgagePI":792.8463132449868,"monthlyTax":157.12933333333334,"taxRatePct":1.234,"taxRateSource":"Census ACS county effective rate 1.23% ($1,608 tax ÷ $130,300 ACS median), applied to current value","monthlyInsurance":96.77333333333333,"insuranceRatePct":0.76,"insuranceBasis":"Insurance: state-level estimate (NE avg 0.76%/yr)","insuranceHighRisk":true,"vacancyPct":5,"vacancyLoss":50.7,"egi":963.3,"mgmtPct":10,"monthlyMgmt":101.4,"maintenancePct":5,"monthlyMaint":50.7,"capexPct":5,"monthlyCapex":50.7,"hoaMonthly":0,"monthlyHoa":0,"operatingExpenses":456.7026666666667,"noi":506.59733333333327,"totalExpenses":1249.5489799116535,"cashFlow":-286.2489799116536,"annualCf":-3434.987758939843,"cocReturn":-11.240143190248176,"capRate":3.978513089005235},"resilience":{"scenarios":[{"id":"rentDown","label":"Rent drops 10%","kind":"standard","detail":"Standard assumption","cashFlow":-362.2989799116535,"delta":-76,"survives":false},{"id":"vacancy","label":"Vacancy stretches to 8%","kind":"standard","detail":"Standard assumption","cashFlow":-316.66897991165354,"delta":-30,"survives":false},{"id":"insurance","label":"Insurance costs rise 25%","kind":"standard","detail":"Standard assumption","cashFlow":-310.44231324498685,"delta":-24,"survives":false},{"id":"rateReset","label":"If financed at 8.25% instead","kind":"standard","detail":"Fixed-rate comparison — the deal if you'd borrowed at a higher rate today; your actual fixed payment never resets","cashFlow":-411.75096345851705,"delta":-126,"survives":false},{"id":"historyHome","label":"Worst market shock in available history (since 1991-01-01) (home values −3.5% over 12 months)","kind":"history","detail":"History-derived proxy: worst decline found in any window of up to 12 months in the state FHFA home-value series, 2007-04-01 → 2008-04-01, applied to rent","cashFlow":-312.69018692008956,"delta":-26,"survives":false}],"survived":0,"total":5,"score":0,"worstCashFlow":-411.75096345851705,"baselineCashFlow":-286.2489799116536,"framing":"underwater","confidenceLabel":"crosscheck","omitted":[],"note":"Each scenario re-runs the same verified cash-flow engine with one shock applied, then re-checks the cash-flow identity before display. Standard shocks are fixed assumptions; the history-derived scenario is this market's own worst observed 12-month decline. Estimates only — not a guarantee of performance."},"rentVsBuy":{"years":7,"priceCagr":5.972465874973709,"rentCagr":3,"totalRentPaid":93236.83981632728,"totalCashOutlay":140345.70679313954,"insuranceBasis":"Insurance: state-level estimate (NE avg 0.76%/yr)","homeValueAfter":229337.26800763406,"equityBuilt":118358.6606324514,"netCostOfBuying":52547.04616068814,"buyingCheaper":true,"savings":40689.793655639136},"priceToIncome":{"ratio":2.3114741698812495,"price":152800,"medianIncome":66105,"label":"Affordable (≤3x income — historical rule of thumb)"},"countyTaxRatePct":1.234,"countyTaxSource":"Census ACS county effective rate 1.23% ($1,608 tax ÷ $130,300 ACS median), applied to current value","dataCheck":{"status":"crosscheck","checks":[{"metric":"home value (vintage update)","primary":152800,"secondary":130300,"primarySource":"current estimate (ACS county median × FHFA state HPI growth)","secondarySource":"raw ACS 2023 county median (as measured ~2021)","ratio":1.17,"grade":"crosscheck","consistent":false,"hidePoint":false},{"metric":"HUD fair market rent","primary":1014,"secondary":692,"primarySource":"HUD FMR (county)","secondarySource":"Census ACS (county gross rent)","ratio":1.47,"grade":"crosscheck","consistent":false,"hidePoint":true}],"confidence":{"homeValue":{"label":"crosscheck","ratio":1.17,"sources":["current estimate (ACS county median × FHFA state HPI growth)","raw ACS 2023 county median (as measured ~2021)"],"hidePoint":false,"range":{"low":130300,"high":152800}},"rent":{"label":"crosscheck","ratio":1.47,"sources":["HUD FMR (county)","Census ACS (county gross rent)"],"hidePoint":true,"range":{"low":692,"high":1014}},"income":{"label":"estimate","sources":["Census ACS"]},"crime":{"label":"estimate","sources":["FBI CDE"]}},"note":"Every headline metric is checked against a second figure, and each check names its own basis. The rent and property-price checks pair genuinely independent datasets (HUD FMR vs Census ACS gross rent; your price vs the county estimate). The home-value check compares our current estimate (ACS county median updated by the FHFA state index) against the raw ACS 2023 median — its spread reflects price movement since the ACS measurement period (~2021), not disagreement between unrelated sources. 'Verified' means the two figures agree within 15%; 'Cross-checked' means they diverge more than 15%; 'Divergent' flags a >2x difference. A spread beyond 35% is too wide to defend a single point — the headline shows the source range instead, flagged 'sources disagree'."},"integrity":{"status":"pass","checks":[{"name":"home value freshness","status":"pass","detail":"latest 2026-04-01 (228d old — current for quarterly cadence)"},{"name":"home value card↔chart","status":"pass","detail":"card matches chart"},{"name":"home value growth window","status":"pass","detail":"growth matches the 5.0yr available window"},{"name":"rent freshness","status":"pass","detail":"latest 2026-11-01 (14d old — current for monthly cadence)"},{"name":"rent card↔chart","status":"pass","detail":"card matches chart"},{"name":"cash flow identity","status":"pass","detail":"NOI − P&I = cash flow"},{"name":"cash-on-cash","status":"pass","detail":"annual CF ÷ down matches"},{"name":"cap rate","status":"pass","detail":"NOI×12 ÷ price matches"},{"name":"price-to-rent","status":"pass","detail":"price ÷ (rent×12) matches"},{"name":"income plausibility","status":"pass","detail":"within expected range"},{"name":"price-to-income","status":"pass","detail":"price ÷ income matches"},{"name":"buy-vs-rent: home value at term","status":"pass","detail":"compounds at 6.0%/yr"},{"name":"buy-vs-rent: total rent paid","status":"pass","detail":"geometric series matches"},{"name":"buy-vs-rent: equity built","status":"pass","detail":"home value − loan balance matches"},{"name":"buy-vs-rent: net cost","status":"pass","detail":"outlay − equity gain matches"},{"name":"buy-vs-rent: savings & verdict","status":"pass","detail":"savings = rent − net cost, verdict matches"}],"summary":"16/16 verified","freshness":{"homeValue":{"date":"2026-04-01","ageDays":228,"cadence":"quarterly","current":true},"rent":{"date":"2026-11-01","ageDays":14,"cadence":"monthly","current":true}}},"confidence":{"homeValue":{"label":"crosscheck","ratio":1.17,"sources":["current estimate (ACS county median × FHFA state HPI growth)","raw ACS 2023 county median (as measured ~2021)"],"hidePoint":false,"range":{"low":130300,"high":152800}},"rent":{"label":"crosscheck","ratio":1.47,"sources":["HUD FMR (county)","Census ACS (county gross rent)"],"hidePoint":true,"range":{"low":692,"high":1014}},"income":{"label":"estimate","sources":["Census ACS"]},"crime":{"label":"estimate","sources":["FBI CDE"]}},"verdict":"Antelope County, NE leans favorable for buying: a price-to-rent ratio of 12.6 favors owning at the median, and modeled investor cash flow is negative, so this is owner-occupant math — not a claim of strong rental yield.","faqs":[{"q":"Is Antelope County, NE a good rental market?","a":"For owning at the median, yes — Antelope County's price-to-rent ratio of 12.6 is in the favorable range, but modeled investor cash flow is negative, so it is not a claim of strong rental yield."},{"q":"What is the median home value in Antelope County?","a":"The typical home value in Antelope County is about $152,800 (county-level, Census ACS & FHFA state HPI), up 2.0% year-over-year, and up 33.6% over five years."},{"q":"What is the median rent in Antelope County?","a":"The typical rent in Antelope County is about $1,014/mo (county-level, HUD 2-bedroom benchmark bridged from Census ACS gross rent), a current modeled estimate."},{"q":"Is it cheaper to rent or buy in Antelope County?","a":"Over a 7-year horizon, buying is cheaper in Antelope County — roughly $40,690 ahead of renting, with about $118,359 in equity built."},{"q":"Is Antelope County affordable for homebuyers?","a":"Antelope County's median home value is 2.3x the local median household income — Affordable (≤3x income — historical rule of thumb)."},{"q":"What is the property tax rate in Antelope County?","a":"Antelope County's effective property tax rate is about 1.23% of home value (Census ACS county effective rate 1.23% ($1,608 tax ÷ $130,300 ACS median), applied to current value), which on a $152,800 median home is roughly $157/mo."}],"takeaways":["The median home value in Antelope County, NE was $152,800 as of April 2026, up 2.0% year over year (FHFA HPI applied to the Census ACS county median).","The typical market rent in Antelope County, NE was $1,014/mo as of November 2026, a current modeled estimate (HUD Fair Market Rent, FY2027, bridged from Census ACS gross rent).","Antelope County, NE has a price-to-rent ratio of 12.6 — a reading that favors owning (owner-occupant math — not automatically strong investor cash flow). (Computed by Areal from the figures above.)"],"citationSources":[{"name":"U.S. Census Bureau — ACS ACS 2024 5-year estimates","url":"https://www.census.gov/programs-surveys/acs/"},{"name":"FHFA House Price Index","url":"https://www.fhfa.gov/data/hpi"},{"name":"HUD Fair Market Rent","url":"https://www.huduser.gov/portal/datasets/fmr.html"},{"name":"FBI Crime Data Explorer","url":"https://cde.ucr.cjis.gov/"}],"jsonApi":{"function":"getCountyReport","query":"slug=antelope-ne","url":"https://areal.studio/functions/getCountyReport?slug=antelope-ne"},"assumptions":{"downPct":20,"ratePct":6.75,"years":7},"dataVintage":{"pulledAt":"2026-11-15T00:39:26.090Z","homeValueBasis":"FHFA state HPI (quarterly) × ACS county anchor","rentBasis":"HUD county FMR — flat current estimate (modeled, no public trend)","zhviThrough":null,"zoriThrough":null,"fhfaHpiThrough":"2026-04-01","hpiLevel":"state","hpiMetro":null,"acsVintage":"ACS 2024 5-year estimates","acsVintageMisses":[],"hudFy":"2027","safmrFy":null},"zipAnchors":{"homeValueTier":"county-fhfa-acs","rentTier":"county-acs-hud","zhvi":null,"zori":null,"safmr":null,"countyHomeEstimate":152800,"countyFmr":1014,"countyRatio":null,"hpiLevel":"state","hpiMetro":null},"links":{"stateDir":"NE","stateName":"Nebraska","cityPages":[],"zips":[]},"sources":["Census ACS 5-year","FHFA HPI","HUD Fair Market Rent","FBI CDE (state-level context)"]}