Bertrand, Nebraska.
Typical home $220,801 (+1.2% in a year). Lexington, NE metro.
to buy the typical home at today's mortgage rate — +$541 (+88%) since Feb 2021.
- 1 year
- Up $2,692 +1%
- $218,109$220,801 since Sep 2025
- 5 years
- Up $25,156 +13%
- $195,646$220,801 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.
- Bertrand$1,159
- Nebraska$1,461
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 29 years.
Typical home values in Bertrand, NE rose 1.2% over the past year — in step with the nation.
Living in Bertrand, Phelps County, Nebraska
Bertrand is a village of 709 people in Phelps County. Half its households earn more than $73,672 a year and half less, against $68,919 across Phelps County; 4% of its people live below the poverty line. 89% of its homes are lived in by their owners and 11% are rented. Unemployment in Phelps County was 2.2% in August 2026, and the county had 0.6% more jobs in 2025 than the year before. The most residents work in farming, then schools and health care.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Bertrand is a small Nebraska village in Phelps County, and nearly everyone who lives there owns their home. Household incomes run above the county's, and fewer people live below the poverty line than in many places. Winters are cold and snowy, with January the coldest month, while July brings warm summer days, and the year's moisture is modest.
Work. Many residents work in farming, in schools, hospitals and social care, in manufacturing, or in the building trades. Across Phelps County, some of the largest workplaces are embecta Holdrege, which makes hypodermic needles and syringes, Phelps Memorial Health Center, a critical access hospital, and Allmand, which makes street lighting fixtures. Getting to work takes little time, and some people work from home.
Things to do. For an outing, the Heartland Museum of Military Vehicles and the Robert Henri Museum are both a longer drive away, and Allen's Opera House, a theatre, is a similar distance. Beaver Creek, a river, is also a longer drive from the village.
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- 287households
- 25%of adults have a degree
- 4%below the poverty line
- 13 mintypical commute
- 10%work from home
What residents work in
Employed residents by industry, from the Census survey. Phelps County had 4,856 jobs in 2025, 0.6% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 38° and lows near 15°; warmest in July, with highs near 86° and lows near 64°. About 20 inches of snow and 23 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Canaday Steam Plt weather station, 12 miles away (NOAA).
Largest workplaces in Phelps County
- embecta HoldregeHypodermic needles and syringes manufacturing462
- Phelps Memorial Health CenterCritical access hospital241FTE
- AllmandStreet lighting fixtures manufacturing168
- Holdrege Public SchoolsSchool district158FTE
- Loomis Public SchoolsSchool district58FTE
- Bertrand Public SchoolsSchool district53FTE
- SpartanNashSupermarkets and other grocery except convenience stores51
- Hy-VeeSupermarkets and other grocery except convenience stores43
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 8 workplaces with 20 or more staff, 1,133 people in all across the county; Bertrand has none of its own. Hospitals come from their Medicare cost reports (CMS, 2023) and school districts from the Common Core of Data (NCES, 2023–24); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- HailVery high
- Strong windVery high
- DroughtVery high
- Winter weatherVery high
- Ice stormsRelatively high
- TornadoesRelatively high
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Bertrand’s census tracts, against the rest of the country; all of them together, very high. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Phelps County and the Lexington, NE metro.
Bertrand home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Bertrand$220,801
- Nebraska$278,299
- United States$366,157
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
Not enough data to draw this yet.
Zip codes with a Bertrand address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Bertrand — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.