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Featured local agent — Cedar Bluffs, NE
Sarah Mitchell
Compass Real Estate · Cedar Bluffs, NE
“Your trusted relocation specialist since 2009. 350+ homes sold. Zero-pressure, data-first approach.”
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Cedar Bluffs, NE Housing Market
The typical home in Cedar Bluffs, NE is worth $258,327, rose 0.7% over the past year (Zillow Home Value Index, August 2026). The last median sale price Redfin published was $242,311, +11.2% year over year (through May 2026). With 1.0 months of supply and homes going under contract in about 36 days, Cedar Bluffs is a strong seller's market. At today's 7.03% 30-year fixed rate, 20% down on a $258,327 home is about $1,379/mo in principal and interest.
Key numbers for Cedar Bluffs, NE
Typical home value
$258,327
+0.7% in 12 months
Zillow, August 2026
Median sale price
$242,311
+11.2% year over year
Redfin, through April 2026
Days on market
36
Average pace
Redfin, through April 2026
Active listings
1
1.0 months of supply
Redfin, through April 2026
30-yr fixed rate
7.03%
Freddie Mac weekly average
Freddie Mac via FRED, September 2026
Median household income
$82,031
Home costs 3.1x income
U.S. Census ACS, 2023
Sale-to-list ratio
101.0%
Selling above asking
Redfin, through April 2026
Zillow figures are as of August 2026 and refresh monthly. Redfin figures are through May 2026 — Redfin stopped publishing its public market trackers in June 2026, so those numbers are final, not current. Mortgage rates come from Freddie Mac via FRED and update weekly.
Is Cedar Bluffs a buyer's or seller's market?
Cedar Bluffs, NE is a strong seller's market, based on 1.0 months of supply and homes selling in about 36 days. Under 2 months of supply is a severe shortage: expect competition on almost anything priced correctly, and little room to negotiate below asking.
Inputs are Redfin's final published period (May 2026). How we classify markets · Where the data comes from
What does the Cedar Bluffs housing market data show?
Every row below is Redfin's final published month for Cedar Bluffs, NE. Redfin, through April 2026
| Metric | Value |
|---|---|
| Median sale price | $242,311 |
| Year-over-year price change | +11.2% |
| Median price per sq ft | $168/sq ft |
| Median days on market | 36 days |
| Active inventory | 1 listings |
| Months of supply | 1.0 months |
| Sale-to-list price ratio | 101.0% |
| Homes sold (that month) | 1 |
| Listings with a price cut | 100.0% |
| Market condition | Strong seller's market |
How to read these numbers
- Median sale price
- Half the homes that closed sold for more than this, half for less. It moves with what kind of home sold that month, so a quiet month with two big sales can swing it. Redfin's figure for Cedar Bluffs is frozen at May 2026.
- Typical home value (ZHVI)
- Zillow's estimate of what a mid-market home in Cedar Bluffs is worth right now, whether or not it sold. It is smoother than the median sale price and it still refreshes monthly, which is why this page leads with it.
- Months of supply
- How long it would take to sell every active listing at the current pace. Under 3 favors sellers, over 6 favors buyers, and 3 to 6 is the balanced band.
- Days on market
- Median time from listing to accepted offer. Short means you should have financing ready before you tour; long means there is room to negotiate on price and repairs.
- Sale-to-list ratio
- Sale price divided by the last asking price. Above 100% means bidding above asking is normal here; below 100% means the typical buyer got a discount.
- Price per square foot
- The size-adjusted price. Use it to compare a 1,400 sq ft house to a 2,600 sq ft house, not to value your own home — lot, condition and age move it a lot.
- Listings with a price cut
- Share of active listings that dropped their asking price in the month. A high share is the earliest visible sign that sellers are ahead of what buyers will pay.
- Typical asking rent (ZORI)
- Zillow's repeat-rent index for asking rents on new leases. Paired with the home value it gives the price-to-rent ratio in the rent-vs-buy section below.
How have Cedar Bluffs home prices moved?
Across the 32 months we hold for Cedar Bluffs, NE, the median sale price rose 38.5%, from $175,000 in May 2021 to $242,311. The live Zillow value series has rose 0.7% in the last 12 months, which is the more current read now that Redfin's series has stopped. 100.0% of Cedar Bluffs listings cut their asking price in the final Redfin month — a high share, and the clearest sign that list prices were running ahead of what buyers would pay. For prices to fall meaningfully from here, supply would have to keep building past 1.0 months while the sale-to-list ratio slips below its current 101.0%. Watch those two together — they move before the median does.
Redfin, through April 2026 — the chart ends at Redfin's final published month.
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What does it cost to buy a home in Cedar Bluffs?
Priced off the typical home value of $258,327 at the current 7.03% 30-year fixed rate. These are principal and interest only — property taxes, homeowner's insurance, HOA dues and mortgage insurance are on top, and they vary enough by property that we will not guess them for you.
| Down payment | Cash at close | Loan amount | Monthly P&I |
|---|---|---|---|
| 20% | $51,665 | $206,661 | $1,379/mo |
| 5% | $12,916 | $245,411 | $1,638/mo |
Zillow, August 2026 for the price · Freddie Mac via FRED, September 2026 for the rate
What income do you need?
Lenders generally want housing costs under 28% of gross income. On the 20%-down payment of $1,379, that implies roughly $59,104 a year before you add taxes and insurance. The median household in Cedar Bluffs earns $82,031, about $22,927 more than that threshold — the typical local household clears the payment on a typical local home with 20% down. That puts the price-to-income ratio at 3.1x — close to the historical 3x norm, which is unusual in 2026.
Run it with your own numbers: affordability calculator · mortgage calculator
Buying in Cedar Bluffs in the next 12 months?
Tell us your timeline. We send the Cedar Bluffs market brief: the price ranges that actually clear, how long homes sit, and what to fix on your credit before you apply.
Is it cheaper to rent or buy in Cedar Bluffs?
Zillow does not publish a rent index (ZORI) for Cedar Bluffs, NE, so we cannot compute a price-to-rent ratio here without borrowing a nearby market's rents and calling them local — which we will not do. The rent vs. buy calculator works with a rent figure you supply.
Is inventory rising or falling in Cedar Bluffs?
Active listings in Cedar Bluffs, NE went from 2 in August 2023 to 1 in April 2026, a -50.0% change. Falling inventory tightens competition. When supply drops while demand holds, sale-to-list ratios rise before the median sale price does.
| Month | Active listings | New listings |
|---|---|---|
| October 2023 | 1 | 1 |
| December 2023 | 1 | 1 |
| April 2024 | 1 | not published |
| July 2024 | 1 | not published |
| October 2024 | 1 | not published |
| November 2024 | 1 | 1 |
| December 2024 | 1 | 1 |
| February 2025 | 2 | 2 |
| April 2025 | 1 | not published |
| February 2026 | 2 | 2 |
| March 2026 | 1 | not published |
| April 2026 | 1 | not published |
Redfin, through April 2026
How does Cedar Bluffs compare to Nebraska and the U.S.?
Cedar Bluffs homes sell for $242,311 — 24% below the Nebraska median of $319,100. Against the national median of $410,700, Cedar Bluffs runs 41% lower. Year-over-year, Cedar Bluffs moved +11.2% against Nebraska's +2.8% — a bigger swing than the state as a whole.
| Market | Median sale price | YoY | Days on market |
|---|---|---|---|
| Cedar Bluffs, NE | $242,311 | +11.2% | 36 days |
| Nebraska statewide | $319,100 | +2.8% | 27 days |
| United States | $410,700 | not published | not published |
City and state rows: Redfin, through April 2026 · U.S. row: Freddie Mac via FRED, April 2026 (MSPUS, quarterly)
What to do next in Cedar Bluffs
What buyers should watch
- Months of supply, currently 1.0. It turns before price does — when it climbs past 6, sellers start taking offers they would have rejected a quarter earlier.
- The share of listings cutting price, currently 100.0%. A listing that has already cut once is the one most likely to accept below asking.
- The gap between 5% and 20% down here is $259 a month in principal and interest alone, before mortgage insurance. That gap, not the price, is usually what decides your timeline.
- Rate moves. At 7.03%, every full point of rate change moves the payment on a $258,327 home more than a 5% price change does.
- Your credit tier before you shop, not after — it sets the rate you are quoted. Run your numbers first.
What sellers should know
- The median Cedar Bluffs listing goes under contract in 36 days. If yours passes that mark, the market is telling you the price is wrong — not that you need more showings.
- Homes here close at 101.0% of asking. Price at the number you want and let competition do the rest.
- Your equity moved +0.7% in the last 12 months on the Zillow value series. That, not the price you paid, is what sets your net proceeds.
- Comparable ZIP-level pricing inside Cedar Bluffs varies more than the citywide median suggests — check the ZIP pages below before you set a number.
Homes for sale in Cedar Bluffs
There are currently 1 homes listed for sale in Cedar Bluffs, Nebraska.
Active listings
1
Homes on market
Avg. days on market
36
Days until sale
How much do homes cost in Cedar Bluffs by property type?
How the Cedar Bluffs, NE market breaks down across single-family homes, condos and townhouses. Redfin, through April 2026
| Property type | Median price | Price / sq ft | Homes sold | Days on market |
|---|---|---|---|---|
| Single-family | $242,311 | $168/sq ft | 1 | 36 days |
Who lives in Cedar Bluffs?
American Community Survey estimates for Cedar Bluffs. U.S. Census ACS, 2023
Population
760
Households
288
Median income
$82,031/yr
Median age
40.2 years
Owner-occupied
85.1%
Median home value
$148,200
Median gross rent
$1,089/mo
Mean commute
29.3 min
85.1% of occupied homes in Cedar Bluffs are owner-occupied, and the rest are rented — which is the share that decides how much of the local housing stock ever reaches the for-sale market. The Census self-reported median home value is $148,200 against Zillow's $258,327 typical value; the gap is normal — ACS asks owners what they think their home is worth, Zillow models transactions.
Which public schools serve Cedar Bluffs?
2 schools tracked · 349 students
The largest public schools serving Cedar Bluffs, NE by enrollment, drawn from the National Center for Education Statistics. School quality is a commonly cited factor in home-buying decisions — these are the campuses families in this area are most likely to encounter.
CEDAR BLUFFS ELEMENTARY SCHOOL
Grades PK-5 · 252 students
CEDAR BLUFFS HIGH SCHOOL
Grades 9-12 · 97 students
Source: National Center for Education Statistics, Common Core of Data directory. Updated annually. Ratings and test scores are not currently displayed.
Which cities are near Cedar Bluffs, NE?
Ordered by distance from Cedar Bluffs, not by size. Compare Cedar Bluffs side by side with any of them.
Cedar Bluffs housing market FAQ
Is Cedar Bluffs a buyer's or seller's market?
Cedar Bluffs, NE is currently a strong seller's market. That read comes from 1.0 months of supply, homes going under contract in about 36 days, and sellers getting 101.0% of their asking price in the last month Redfin published (May 2026).
How much do homes cost in Cedar Bluffs?
The typical home in Cedar Bluffs, NE is worth $258,327 (Zillow Home Value Index, August 2026). The median sale price in the last month Redfin published was $242,311, about $168 per square foot.
Is Cedar Bluffs cheaper than the rest of Nebraska?
Cedar Bluffs's median sale price of $242,311 is 24% lower than the Nebraska statewide median of $319,100, and 41% below the U.S. median of $410,700. Both figures are for the same period.
How long do homes take to sell in Cedar Bluffs?
Homes in Cedar Bluffs, NE spent a median of 36 days on market before going under contract, versus 27 days statewide. That is a normal pace: enough time to see a home twice, not enough to wait a month. (Redfin, through May 2026.)
What income do you need to buy a home in Cedar Bluffs?
At the current 30-year fixed rate of 7.03%, 20% down on a $258,327 home is about $1,379 a month in principal and interest. Lenders typically want that under 28% of gross income, which works out to roughly $59,104 a year before taxes, insurance, HOA dues or mortgage insurance. The local median household income is $82,031.
Are home prices rising in Cedar Bluffs?
The typical home value in Cedar Bluffs, NE rose 0.7% over the last 12 months, from $256,614 to $258,327 (Zillow, August 2026). This is the live series — it refreshes monthly.
What are the cheapest ZIP codes in Cedar Bluffs?
Cedar Bluffs ZIP-level sale prices are not all published for the same period, so ranking them would compare different months. The ZIP pages listed on this page show what we hold for each one individually.
Is now a good time to buy in Cedar Bluffs?
That depends on your timeline, not on a headline. What the data says today: Cedar Bluffs, NE is a strong seller's market with 1.0 months of supply, the 30-year fixed rate is 7.03%. Properties Incorporated publishes the data; it does not give financial advice.
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