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Mortgage Calculator &
Closing Costs: Papillion, NE

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

Median Home Price
$315K
Population
24K
Avg Monthly Rent
$1,280
Property Tax Rate
1.73%
Papillion vs Nebraska Median
The median home price in Papillion is $315,000, which is 29% above the Nebraska state median of $245,000.

Mortgage Calculator — Papillion, NE

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

$
$63,000
%
%
years
NE avg
%
$
Monthly Payment (PITI)
$2,280
Principal + Interest + Tax + Insurance + PMI
Principal & Interest
$1,593
per month
Taxes & Insurance
$687
per month
Total Interest Paid
$321K
over 30 years
Total Loan Cost
$573K
all payments
Payment Breakdown
Loan Amount$252,000
Principal & Interest$1,593
Property Taxes$454
Homeowners Insurance$233
Total Monthly PITI$2,280

Closing Costs — Papillion, NE

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

$
%
Nebraska: Avg closing costs 1.3% of price. Transfer tax: 0.23%.
Estimated Closing Costs
$13,191
4.2% of purchase price
Lender Fees
$2,693
origination, underwriting
Third-Party
$3,025
appraisal, title, inspection
Government Fees
$725
transfer taxes, recording
Prepaids + Escrow
$6,749
taxes, insurance, interest
Itemized Costs
Loan Origination (0.8%)$2,268
Underwriting Fee$350
Credit Report$75
Appraisal$550
Home Inspection$450
Title Search + Insurance$1,875
Recording Fee$150
Transfer Tax$725
Prepaid Taxes (3 mo)$1,362
Prepaid Insurance (12 mo)$2,800
Prepaid Interest (15 days)$757
Escrow Reserves$1,829
Total Closing Costs$13,191

Buying a Home in Papillion, Nebraska

The median home price in Papillion is $315,000, 29% above the Nebraska state median of $245,000. With a population of 24,310, Papillion is a smaller market where home prices reflect strong demand and local economic factors.

Property taxes in Nebraska average 1.73% annually. This higher-than-average tax rate means a $315,000 home in Papillion would carry roughly $454/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 Papillion is $1,280/month. With a price-to-rent ratio above 20, renting could be more economical in the short term — use our Rent vs Buy calculator to model your specific timeline.

Papillion presents moderate affordability. The $315K median puts homeownership within reach for median-income households, though down payment savings and closing costs require planning.

Run a Rent vs Buy analysis
Compare total costs of renting vs buying in Papillion.
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