68945 Property Tax Rate
Heartwell, Nebraska · Part of Kearney County
Effective Tax Rate
0.96%
31.4% above state avgMedian Annual Tax
$3,000
$250/mo escrow
Estimate Your Tax
Annual Tax
$3,000
Monthly
$250
Eff. Rate
0.96%
Buyer decision brief
What ZIP 68945 means for your housing budget
Use this ZIP page to compare recurring tax burden before you compare listing prices. The numbers below are Census ZCTA estimates, so they are strongest for neighborhood comparison and weakest for parcel-specific tax planning.
Monthly escrow signal
$250/mo
Based on median annual tax paid
State context
0.36 percentage points below the Nebraska average
Nebraska average: 1.32%
Data confidence
Use cautionThe Census margin of error is $2,006, about 67% of the median tax estimate.
Verify before you offer
- Confirm parcel assessed value with Kearney County assessor.
- Check homestead, senior, veteran, and disability exemptions.
- Ask whether purchase triggers reassessment or value-cap reset.
- Review school district and special assessment boundaries.
Lower-rate similar ZIPs
Similar in-state ZIPs in this comparison set do not show a lower effective rate. Use the state table to widen the search.
This is informational content, not tax, legal, or mortgage advice. Local assessor records remain the source of truth for a specific property.
Data confidence ledger
Can you trust ZIP 68945 for comparison?
ACS vintage
2019-2023 ACS 5-Year Estimates
Five-year Census ZCTA estimates.
ZCTA caveat
Census area, not parcel boundary
USPS ZIP routes and taxing districts can differ inside the same area.
Field completeness
3/3 required fields
Median tax, home value, and derived rate are present.
MOE status
Very high margin of error
$2,006 tax MOE, 67% of the median tax estimate.
Last site refresh
March 10, 2026
Dataset and page-quality audit run locally before publication.
County fallback
County context only
Kearney County is used for assessor verification and broader context.
Tax bill anatomy
What can change your actual bill in ZIP 68945
Use the ZIP estimate to compare neighborhoods, then verify these parcel-level inputs before relying on a payment estimate.
Assessed value
The ZCTA median home value is $312,500, but your bill starts with the local assessed value for a specific parcel.
Effective rate
The displayed rate is 0.96%, derived from median tax paid divided by median home value.
Exemptions
Homestead, senior, veteran, disability, and local exemptions can reduce taxable value. Confirm eligibility before estimating escrow.
Reassessment
A purchase can change assessed value depending on Nebraska and county rules. Ask how sale price affects the next assessment cycle.
Escrow impact
The median tax paid in this ZCTA equals about $250 per month before insurance, HOA dues, or special assessments.
Assessor verification
Kearney County assessor or tax collector records are the source of truth for parcel taxes, appeal windows, and exemptions.
How ZIP 68945 Compares
Median Annual Property Tax
ZIP 68945
0.96%
Effective rate
Nebraska Avg
1.32%
Effective rate
National Avg
1.10%
Effective rate
State Ranking
Property Tax Rank in Nebraska
Lower than 89% of ZIP codes in Nebraska(11th percentile, 522 ZIPs compared)
Property Tax Analysis
Property Tax Insights for ZIP 68945
Property owners in ZIP code 68945 (Heartwell, Nebraska) pay a median of $3,000/year in property taxes on homes valued at $312,500. This translates to an effective tax rate of 0.96%, which is 27% below the Nebraska state average of 1.32%.
The monthly property tax burden for a median-valued home in 68945 is approximately $250, which factors into escrow payments on mortgages. This ZIP code is located within Kearney County. This is $717 more than the Nebraska average of $2,283/year.
Compared to similar ZIP codes in Nebraska, 68945 has lower property taxes. ZIP codes with similar effective rates include 68854 (0.96%) and 68841 (0.96%).
In Heartwell, property taxes represent approximately 4.8% of the median household income of $63,036, providing context for the relative tax burden on homeowners in this area.
If you're considering purchasing a home in 68945, keep in mind that property taxes are based on the assessed value assigned by the local assessor, which may differ from the purchase price. In some states, properties are reassessed at or near the sale price upon transfer of ownership. For the most current tax information for a specific property, consult Kearney County's tax assessor directly.
Frequently Asked Questions
What is the property tax rate in ZIP code 68945?
How much are property taxes in Heartwell, NE (68945)?
How does ZIP 68945 compare to the Nebraska average?
What is the median home value in ZIP 68945?
What county is ZIP code 68945 in?
Margin of Error
The median property tax estimate for this ZIP code has a margin of error of ±$2,006. ZCTA-level data has wider margins than county-level estimates due to smaller sample sizes.
County-Level Data
ZIP code 68945 is part of Kearney County, Nebraska. View the full county profile for broader context and more data.
View Kearney County on TaxByCounty →Why compare these ZIPs?
Better comparison set for ZIP 68945
Each ZIP highlights a homebuyer tradeoff: lower rate, stronger value context, shared county rules, city boundary changes, or nearby missing data.
68532
Lincoln, NE
$241,200 higher median home value than ZIP 68945.
Rate
1.39%
Tax
$7,694
Quality
94
68523
Lincoln, NE
$189,500 higher median home value than ZIP 68945.
Rate
1.45%
Tax
$7,274
Quality
94
68517
Lincoln, NE
$183,200 higher median home value than ZIP 68945.
Rate
1.24%
Tax
$6,169
Quality
89
68461
Walton, NE
$173,600 higher median home value than ZIP 68945.
Rate
1.48%
Tax
$7,182
Quality
74
68527
Lincoln, NE
$170,100 higher median home value than ZIP 68945.
Rate
1.45%
Tax
$6,991
Quality
94
68064
Valley, NE
$163,900 higher median home value than ZIP 68945.
Rate
1.40%
Tax
$6,653
Quality
77
68058
South Bend, NE
$160,800 higher median home value than ZIP 68945.
Rate
1.07%
Tax
$5,063
Quality
71
68531
Lincoln, NE
$148,400 higher median home value than ZIP 68945.
Rate
1.66%
Tax
$7,644
Quality
83
Data from U.S. Census Bureau, American Community Survey 2019-2023 5-Year Estimates (ZCTA level). ZIP Code Tabulation Areas (ZCTAs) are Census approximations of USPS ZIP codes.
Estimates are informational only and should not be used as financial or legal advice.