Red Cloud, Nebraska.
Typical home $101,456 (-2.8% in a year).
to buy the typical home at today's mortgage rate — +$305 (+134%) since Jan 2020.
- 1 year
- Down $2,884 -3%
- $104,341$101,456 since Sep 2025
- 5 years
- Up $18,731 +23%
- $82,725$101,456 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.
- Red Cloud$533
- Nebraska$1,461
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 17 years.
Typical home values in Red Cloud, NE fell 2.8% over the past year — slower than the nation's +1.2%.
Living in Red Cloud, Webster County, Nebraska
Red Cloud is a city of 962 people in Webster County. Half its households earn more than $45,909 a year and half less, against $64,347 across Webster County; 12% of its people live below the poverty line. 65% of its homes are lived in by their owners and 35% are rented. Unemployment in Webster County was 2.2% in August 2026, and the county had 0.8% more jobs in 2025 than the year before. The most residents work in schools and health care, then shops.
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 It can be wrong or out of date.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. Red Cloud is a small city on the Nebraska plains, where most homes are lived in by their owners and typical home values are modest. Household incomes run below the county's, and fewer adults hold a four-year degree than across much of the country. Winters are cold, with some snow, and summers turn hot, with a fair amount of rain through the year.
Work. Across Webster County, jobs have edged up from the year before, and unemployment is low and steady. Residents work mostly in schools, hospitals and social care, in shops, in professional and business services, and in government. Among the county's largest workplaces are Blue Hill Community Schools, Red Cloud Community Schools and Webster County Community Hospital, and very few people work from home.
Things to do. Walnut Creek, a river, is a short drive away. A longer drive brings you to the geographic center of the contiguous United States, which is marked as a park, and to the IOOF Hall and Opera House, a theatre. Lovewell Reservoir, also a longer drive away, is another place to get out on the water.
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- 476households
- 16%of adults have a degree
- 12%below the poverty line
- 2%work from home
What residents work in
Employed residents by industry, from the Census survey. Webster County had 1,066 jobs in 2025, 0.8% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 37° and lows near 12°; warmest in July, with highs near 90° and lows near 64°. About 19 inches of snow and 25 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Red Cloud weather station, under a mile away (NOAA).
Largest workplaces in Webster County
- Blue Hill Community SchoolsSchool district56FTE
- Red Cloud Community SchoolsSchool district47FTE
- Green Cover - BladenSeeds merchant wholesalers30
- Webster County Community HospitalCritical access hospital29FTE
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 1 workplace with 20 or more staff, 30 people in all across the county; Red Cloud has two 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
- HailVery high
- Strong windVery high
- LightningVery high
- Winter weatherVery high
- TornadoesVery high
- DroughtRelatively high
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Red Cloud’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 Webster County.
Red Cloud home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Red Cloud$101,456
- 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.
- Red Cloud10
Zip codes with a Red Cloud address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Red Cloud — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.