Oshkosh, Nebraska.
Typical home $158,063 (+3.6% in a year).
to buy the typical home at today's mortgage rate — +$424 (+104%) since Jan 2020.
- 1 year
- Up $5,434 +4%
- $152,628$158,063 since Sep 2025
- 5 years
- Up $17,361 +12%
- $140,702$158,063 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.
- Oshkosh$830
- Nebraska$1,461
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 30 years.
Typical home values in Oshkosh, NE rose 3.6% over the past year — faster than the nation's +1.2%.
Living in Oshkosh, Garden County, Nebraska
Oshkosh is a city of 809 people in Garden County. Half its households earn more than $40,391 a year and half less, against $41,882 across Garden County; 18% of its people live below the poverty line. 82% of its homes are lived in by their owners and 18% are rented. Unemployment in Garden County was 2.8% in August 2026, and the county had 1.8% fewer jobs in 2025 than the year before. The most people in Garden County 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 It can be wrong or out of date.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. Oshkosh is a small city in Garden County, Nebraska, where most homes are lived in by their owners and the typical home is worth less than in much of the country. Incomes run a little below the county's, and more people live below the poverty line than you might expect in a place this settled. Winters are cold, with January the coldest month, and the town sees a good deal of snow, while summers turn properly hot by July.
Work. Residents work mostly in farming, forestry and mining, in schools, hospitals and social care, in the building trades, and in restaurants, hotels and entertainment. Across Garden County, the largest workplaces are Garden County Schools, Regional West Garden County Hospital and Oshkosh Heifer Development. Commutes are short, and the number of jobs across the county dipped slightly last year.
Things to do. Ash Hollow State Historical Park, an archaeological site, is a longer drive away. So is Crescent Lake National Wildlife Refuge, a protected area, and the Lodgepole Opera House, a theatre.
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- 327households
- 18%of adults have a degree
- 18%below the poverty line
- 10 mintypical commute
- 4%work from home
What people in Garden County work in
Employed residents by industry, from the Census survey. Garden County had 487 jobs in 2025, 1.8% fewer than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 40° and lows near 12°; warmest in July, with highs near 88° and lows near 60°. About 28 inches of snow and 18 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Oshkosh weather station, under a mile away (NOAA).
Largest workplaces in Garden County
- Garden County SchoolsSchool district61FTE
- Regional West Garden County HospitalCritical access hospital52FTE
- Oshkosh Heifer DevelopmentDairy heifer replacement production48
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 1 workplace with 20 or more staff, 48 people in all across the county; Oshkosh has one of its own. School districts come from the Common Core of Data (NCES, 2023–24) and hospitals from their Medicare cost reports (CMS, 2023); 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
- LightningVery high
- HailVery high
- DroughtRelatively high
- Winter weatherRelatively high
- Strong windRelatively high
- Cold wavesRelatively high
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Oshkosh’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 Garden County.
Oshkosh home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Oshkosh$158,063
- 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.
- Oshkosh12
Zip codes with a Oshkosh address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Oshkosh — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.