Elgin, Nebraska.
Typical home $243,902 (+5.1% in a year).
to buy the typical home at today's mortgage rate — +$671 (+110%) since Jan 2020.
- 1 year
- Up $11,921 +5%
- $231,981$243,902 since Sep 2025
- 5 years
- Up $43,811 +22%
- $200,091$243,902 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.
- Elgin$1,280
- Nebraska$1,461
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 18 years.
Typical home values in Elgin, NE rose 5.1% over the past year — faster than the nation's +1.2%.
Living in Elgin, Antelope County, Nebraska
Elgin is a city of 717 people in Antelope County. 78% of its homes are lived in by their owners and 22% are rented. Unemployment in Antelope County was 2.2% in August 2026, and the county had 0.2% more jobs in 2025 than the year before. The most residents work in schools and health care, then professional services.
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 It can be wrong or out of date.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. Elgin is a small city in Antelope County, Nebraska, small enough that neighbors tend to know one another. Most homes are lived in by their owners, and incomes run below the county's. A four-year degree is held by fewer adults than in much of the country, and few people work from home. Winters are cold, with January the coldest month and a good deal of snow, while July is warm and the year brings a moderate amount of rain and melted snow.
Work. Residents work mostly in schools, hospitals and social care, with professional and business services, farming, and shops also employing many. Across Antelope County, some of the largest workplaces are Antelope Memorial Hospital, Elgin Public Schools and Central Valley Ag Transport. Unemployment across the county is low and has held steady from a year earlier, and the typical commute is a modest one.
Things to do. The nearest outdoor options are all a longer drive away. Olson Nature Preserve is a protected area, and Willow Creek State Recreation Area is another. Battle Creek is a river that also lies a longer drive away, for those who like time near water.
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- 315households
- 18%of adults have a degree
- 16%below the poverty line
- 22 mintypical commute
- 3%work from home
What residents work in
Employed residents by industry, from the Census survey. Antelope County had 2,198 jobs in 2025, 0.2% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 32° and lows near 12°; warmest in July, with highs near 84° and lows near 63°. About 30 inches of snow and 28 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Elgin weather station, under a mile away (NOAA).
Largest workplaces in Antelope County
- Antelope Memorial HospitalCritical access hospital103FTE
- Summerland Public SchoolsSchool district92FTE
- Neligh-oakdale SchoolsSchool district69FTE
- Accura Healthcare of NelighSkilled nursing facilities68
- Central Valley Ag TransportGeneral freight trucking, local54
- Elgin Public SchoolsSchool district44FTE
- Central Valley AgFarm supplies merchant wholesalers26
- The Willows Assisted LivingAssisted-living facilities without on-site nursing care facilities24
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 7 workplaces with 20 or more staff, 397 people in all across the county; Elgin has two 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
- Winter weatherVery high
- TornadoesVery high
- DroughtRelatively high
- Ice stormsRelatively high
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Elgin’s census tracts, against the rest of the country; all of them together, relatively 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 Antelope County.
Elgin home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Elgin$243,902
- 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.
Zip codes with a Elgin address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Elgin — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.