M
MortgageMath
Free mortgage calculators for every state

Mortgage Calculator &
Closing Costs: Fremont, NE

Mortgage payment estimates, closing cost breakdowns, and homebuying data for Fremont, Nebraska.

Median Home Price
$205K
Population
26K
Avg Monthly Rent
$920
Property Tax Rate
1.73%
Fremont vs Nebraska Median
The median home price in Fremont is $205,000, which is 16% below the Nebraska state median of $245,000.

Mortgage Calculator — Fremont, NE

Pre-filled with Fremont median home price and Nebraska tax/insurance rates. Adjust for your property.

$
$41,000
%
%
years
NE avg
%
$
Monthly Payment (PITI)
$1,565
Principal + Interest + Tax + Insurance + PMI
Principal & Interest
$1,037
per month
Taxes & Insurance
$529
per month
Total Interest Paid
$209K
over 30 years
Total Loan Cost
$373K
all payments
Payment Breakdown
Loan Amount$164,000
Principal & Interest$1,037
Property Taxes$296
Homeowners Insurance$233
Total Monthly PITI$1,565

Closing Costs — Fremont, NE

Estimated closing costs based on Nebraska rates and fees applied to Fremont prices.

$
%
Nebraska: Avg closing costs 1.3% of price. Transfer tax: 0.23%.
Estimated Closing Costs
$10,380
5.1% of purchase price
Lender Fees
$1,901
origination, underwriting
Third-Party
$2,475
appraisal, title, inspection
Government Fees
$472
transfer taxes, recording
Prepaids + Escrow
$5,533
taxes, insurance, interest
Itemized Costs
Loan Origination (0.8%)$1,476
Underwriting Fee$350
Credit Report$75
Appraisal$550
Home Inspection$450
Title Search + Insurance$1,325
Recording Fee$150
Transfer Tax$472
Prepaid Taxes (3 mo)$887
Prepaid Insurance (12 mo)$2,800
Prepaid Interest (15 days)$493
Escrow Reserves$1,353
Total Closing Costs$10,380

Buying a Home in Fremont, Nebraska

The median home price in Fremont is $205,000, 16% below the Nebraska state median of $245,000. With a population of 26,397, Fremont is a smaller market where home prices tend to be more accessible than in many parts of Nebraska.

Property taxes in Nebraska average 1.73% annually. This higher-than-average tax rate means a $205,000 home in Fremont would carry roughly $296/month in property taxes alone — plan accordingly. Homeowners insurance in Nebraska runs approximately $2,800 per year. This is within the normal range nationally.

Average rent in Fremont is $920/month. The price-to-rent ratio in Fremont is moderate, meaning the buy-vs-rent decision depends heavily on how long you plan to stay.

Fremont offers strong affordability. With median prices under $250K, first-time buyers have realistic paths to homeownership, especially combined with Nebraska's NIFA Homebuyer Assistance program.

Run a Rent vs Buy analysis
Compare total costs of renting vs buying in Fremont.
Rent vs Buy Calculator →
Explore all of Nebraska: Nebraska Mortgage Calculator & Closing Costs →

More Cities in Nebraska

Related Guides

The First-Time Buyer Playbook
Free weekly guide: mortgage tips, market updates, and money-saving strategies. No spam.