Stuart, Nebraska.
Typical home $224,229 (+8.0% in a year).
to buy the typical home at today's mortgage rate — +$600 (+104%) since Feb 2021.
- 1 year
- Up $16,697 +8%
- $207,532$224,229 since Sep 2025
- 5 years
- Up $46,688 +26%
- $177,541$224,229 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.
- Stuart$1,177
- Nebraska$1,461
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 15 years.
Typical home values in Stuart, NE rose 8.0% over the past year — faster than the nation's +1.2%.
Living in Stuart, Holt County, Nebraska
Stuart is a village of 486 people in Holt County. Unemployment in Holt County was 1.9% in August 2026, and the county had 1.3% fewer jobs in 2025 than the year before. The most residents work in schools and health care, then farming.
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 It can be wrong or out of date.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. Stuart is a very small village in Holt County, Nebraska, where neighbors tend to know one another. The typical home is valued at a level that many would find affordable, and a four-year degree is held by a modest share of adults, in a place where much of the work is practical and local. Winters are cold, with January highs hovering around the freezing mark, and snow is a regular part of the season. Summers are warm, and the year brings a fair amount of rain and melted snow.
Work. Residents work mostly in schools, hospitals and social care, followed by farming, shops, and banks, insurance and property. Across Holt County, some of the largest workplaces are Avera St. Anthony's Hospital, O'Neill Public Schools and West Holt Memorial Hospital. Unemployment in the county is low and has stayed about where it was a year earlier, though the county has seen slightly fewer jobs than the year before. Commutes in Stuart are very short, so getting to work rarely takes long.
Things to do. Stuart sits among small rivers and creeks, which suit anyone who likes time outdoors. Beaver Creek is a river a short drive away. The Keya Paha River is a river a longer drive away, as is Ash Creek. These are quiet places to walk, fish or simply sit by the water, reached by country roads.
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- 239households
- 29%of adults have a degree
- 8%below the poverty line
- 8 mintypical commute
What residents work in
Employed residents by industry, from the Census survey. Holt County had 4,344 jobs in 2025, 1.3% fewer than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 32° and lows near 10°; warmest in July, with highs near 86° and lows near 62°. About 33 inches of snow and 25 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Atkinson 3SW weather station, 8 miles away (NOAA).
Largest workplaces in Holt County
- Avera St. Anthonys HospitalCritical access hospital163FTE
- O'neill Public SchoolsSchool district126FTE
- West Holt Memorial HospitalCritical access hospital80FTE
- West Holt Public SchoolsSchool district76FTE
- Accura Healthcare of O'NeillSkilled nursing facilities50
- O'Neill Valley HopeAlcoholism rehabilitation hospitals45
- Stuart Public SchoolsSchool district45FTE
- AZZGalvanizing metals and metal products for the trade44
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 8 workplaces with 20 or more staff, 476 people in all across the county; Stuart has one 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
- LightningVery high
- DroughtRelatively high
- Winter weatherRelatively high
- HailRelatively high
- Cold wavesRelatively high
- Strong windRelatively high
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Stuart’s census tracts, against the rest of the country; all of them together, relatively moderate. 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 Holt County.
Stuart home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Stuart$224,229
- 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 Stuart address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Stuart — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.