130 N Nebraska Ave · York, NE 68467

$189,000

5 bd · 2.0 ba · 2,524 sqft · SingleFamily public records · 73 Days on market

Built 1920 7,405 sqft lot $75/sqft · 13% below area Est $206k · 8% under

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Why this score? — see what drove the D grade

The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).

• Cash flow +12.1/30.0
• ARV discount +11.1/15.0
• Schools +4.5/10.0
• Livability +4.0/5.0
• DSCR +3.6/10.0
• 1% rule +2.8/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Welcome to this well maintained 5 bedroom, 2 full bathroom home located at 130 N Nebraska Ave in York, Nebraska. This spacious property offers flexible living with two bedroom options on the main floor, along with the convenience of a main floor laundry. The home features a nice sized kitchen, a large living room and dining room, perfect for gatherings, and a charming front porch ideal for relaxing mornings or evenings. Situated on a corner lot, the property also includes a partially fenced backyard and a 2-car detached garage, providing plenty of space for vehicles, storage, or hobbies. With its generous layout and great location, this home offers plenty of room to spread out and make it your own.

Key facts

• Charming front porch
• Main floor laundry
• Corner lot

Tags

• MAIN FLOOR LAUNDRY
• CORNER LOT
• PARTIALLY FENCED BACKYARD
• CHARMING FRONT PORCH

What this means for you Summary

Snapshot

• This is a 5-bed/2.0-bath single-family listed at $189k.

Deal economics

• At list price, monthly cash flow is $-42 ($-509/yr) — negative.
• To cash-flow at today's rent, offer at most $182k (4.0% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $148k (21.8% below list).
• Recommended offer: $148k (21.8% below list) — sets the bar for 1% rule.
• Cap rate 6.0% vs local median 3.2% in York — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.

Location & tenants

• Location reads 80/100 on livability (#24 in NE, #1,666 nationally) — a professional / high-income tenant draw. Strengths: cost of living A+, housing A+, health & safety A+; Watch: amenities F, commute F.
• York Public Schools (town): math 55% / reading 51% proficiency, ranked #55 of 111 in NE (top 50%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Zoned schools: York Elementary School (math 58% / reading 50%, grade C, #194 of 502 statewide, top 39%, 594 students, 50% FRL); York Middle School (math 54% / reading 52%, grade C+, #41 of 128 statewide, top 32%, 315 students, 44% FRL); York High School (math 52% / reading 47%, grade D, #107 of 261 statewide, top 52%, 522 students, 39% FRL).
• Market conditions: 74 active listings in the ZIP; 29 units permitted in York County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $6k of value loss. Plan a longer hold.
• York County population projected at +8% by 2050 — modest demand growth; plan on rents tracking national, not racing it.

Negotiation context

• It's been on market 73 days — a 6% lower offer ($178k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Watch-outs: built in 1920 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $147,858 (21.8% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. It's been on market 73 days. Have you received any prior offers? Is the seller open to a 22% concession, seller financing, or rate buy-down credit?
3. Built in 1920 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. Schools are A-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
7. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
8. What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
9. What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
10. How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.

Investment metrics

• 1% rule: 0.78% ✗
• Cap rate: 6.02%
• Cash-on-cash: -0.96%
• DSCR: 0.96
• GRM: 10.7

CMA / ARV

• ARV (median comp): $205,504
• List price: $189,000
• Delta: -8.03%
• Verdict: FAIR
• Comps: 20 within 1.0 mi

Show comp detail 6 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
721 N Iowa Ave	0.41mi	5/1.5	2,700 (+7%)	12mo	$187,000	$69	57
927 N Beaver Ave	0.61mi	4/1.5 (-1)	2,606 (+3%)	4mo	$95,000	$36	55
941 Woodcrest Ct	0.52mi	4/2.0 (-1)	2,646 (+5%)	23mo	$400,000	$151	44
616 E 12th St	0.68mi	4/2.0 (-1)	2,592 (+3%)	21mo	$190,000	$73	41
942 E 5th St	0.54mi	4/2.5 (-1)	2,178 (-14%)	12mo	$202,000	$93	35
137 Ash Ave	0.57mi	4/2.0 (-1)	2,240 (-11%)	20mo	$299,000	$133	33

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

-3.0% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: -17.9%
• Equity multiple: 0.37×
• Total profit: $-33,363
• Equity at exit: $28,181

10-year hold

• IRR: -10.1%
• Equity multiple: 0.38×
• Total profit: $-32,678
• Equity at exit: $16,341

Cash invested: $52,920 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 83 Strongly Landlord-Friendly
• State Nebraska: 83 Strongly Landlord-Friendly · R+13
• County: — inherits STATE
• City: — inherits STATE

3-day pay-or-quit; preempted; moderate court pace.

Methodology + full state rankings →

ZIP-level market 68467

• Active inventory: 74
• Price-to-rent: 10.7×

Monthly cashflow live

• Estimated rent: $1,479 medium
• Mortgage (P&I): −$991
• Tax from tax record: −$141 /mo · $1,687/yr
• Insurance: −$79
• HOA: −$0
• Vacancy / Maint / Mgmt: −$311
• Net cashflow: $-42

Break-even live

Break-even rent $1,532

Max offer price $181,509

Occupancy floor 98%

Sensitivity live

Price	-10% $65	-5% $11	+0% $-42	+5% $-96	+10% $-149
Rent	-10% $-159	-5% $-101	+0% $-42	+5% $16	+10% $74
Rate	-1.0pp $53	-0.5pp $6	base $-42	+0.5pp $-91	+1.0pp $-141

UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt

Financing live

Cash to close

• Down payment: $47,250
• Closing costs: $5,670
• Reserves months: —
• Total cash needed: —

Listing history 1 events

1. 2026-03-13
   listed $189,000 New 711-char remark

   Show marketing remark (711 chars)

   Welcome to this well maintained 5 bedroom, 2 full bathroom home located at 130 N Nebraska Ave in York, Nebraska. This spacious property offers flexible living with two bedroom options on the main floor, along with the convenience of a main floor laundry. The home features a nice sized kitchen, a large living room and dining room, perfect for gatherings, and a charming front porch ideal for relaxing mornings or evenings. Situated on a corner lot, the property also includes a partially fenced backyard and a 2-car detached garage, providing plenty of space for vehicles, storage, or hobbies. With its generous layout and great location, this home offers plenty of room to spread out and make it your own.

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Tax reassessment forecast NE · Resets to sale price

• Current annual tax: $1,687 · $141/mo
• Projected year-2 tax: $3,270 · $272/mo
• Expected delta: +$1,583/yr (+$132/mo · 93.8%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (shaded) · 0% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 3/10 Moderate 7 d/yr ≥104°F today · 15 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out

Taxation est. · year 1

• Rental income: $17,743
• − Mortgage interest: −$10,587
• − Property taxes: −$1,687
• − Insurance: −$945
• − Repairs & maintenance: −$1,419
• − Management: −$1,419
• − Depreciation: −$5,498
• Taxable loss: −$3,813
• Est. tax savings @ 24.0%: +$915
• After-tax cash flow: $406/yr

For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.

Schools (NCES district)

• District: York Public Schools
• NCES district ID: 3179050
• Math proficiency: 55% ▼ -9.00%
• Reading proficiency: 51% ▼ -4.00%
• Median HH income: $48,726
• Composite: 45.18/100
• National rank: #2675
• State rank: #55 of 111 in NE

Livability — York

• Score: 80/100
• State rank: #24
• US rank: #1666

Category grades

Amenities F Commute F Cost of living A+ Crime B Employment C+ Housing A+ Health & safety A+ User ratings A+

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: York, NE
• City population: 9,688
• Population (ZIP): 9,688

Population outlook (York County) Hauer SSP2

• Today (2025): 13,976 people
• By 2030: 14,103 · +0.9%
• By 2040: 14,490 · +3.7%
• By 2050: 15,059 · +7.7%
• By 2075: 18,276 · +30.8%
• By 2100: 21,449 · +53.5%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (88%)
• Race & ethnicity: White 88% Hispanic / Latino 7% Two or more races 6% Black 1%
• Hispanic origin (detail): Mexican 3% Puerto Rican 1%
• Common ancestry: Iranian 2% Romanian 1% Italian 1%
• Foreign-born: 3% · Canada
• Languages at home: 94% English-only · Spanish 4% Other Asian/Pacific 1%

Political lean MEDSL · York

• 2024 margin: Solid R (+51.3) · D 23.6% · R 74.9% · Other 1.5%
• 2008→2024 swing: -2.0pp toward R · 2008: -49.3pp · 2024: -51.3pp
• All cycles: 2024: R+51.3 2020: R+51.8 2016: R+56.0 2012: R+55.4 2008: R+49.3

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -126.71%
• Current HPI: 192.5562
• Rent YoY: —
• Metro: —
• State GDP YoY: ▲ 0.68%
• F500 in state: 2

Industry mix (Fortune 500 HQ in NE)

Industry	F500 HQs	Revenue
▸Conglomerate	1	$371B

Price history

1 event — show timeline

• 2026-03-13 Listed $189,000 GPRMLS

Property tax history

+3.3%/yr

Latest (2025): $1,687 · +54.0% YoY. Source: county tax records.