68777
Spencer, Nebraska.
Spencer, Boyd County, NE · population 614
to buy the typical home at today's mortgage rate — +$340 (+59%) since Jan 2020.
- 1 year
- Up $7,766 +5%
- $166,922$174,688 since Sep 2025
- 5 years
- Down $14,161 -7%
- $188,850$174,688 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- 68777$917
- United States$1,922
At the last five years' pace, prices here aren't rising.
Typical home values in zip 68777 rose 4.7% over the past year — faster than the nation's +1.2%.
This zip spans 2 counties: Boyd County, NE 72% · Holt County, NE 28%
Zillow also publishes an index for the city itself: Spencer, NE — measured over the city limits, which is a different area from this zip.
Typical home value — 68777
Mid-tier homes, smoothed and seasonally adjusted.
- 68777$174,688
- United States$366,157
Within 20 miles
Coordinates and population from SimpleMaps US Zips (Basic). Rent and home values from Zillow Research.