What it costs to live in Nebraska
Price levels against the national average
Prices overall
-9.62%
below average
Housing
-25.69%
ranks 37 for shelter
A hundred dollars of shopping
$90
costs this here
Price rank
40
1 is the most expensive
What that actually means in Nebraska
- Nebraska is cheaper than the country as a whole, ranking 40 nationally on price. Prices sit about 9.62% below average, so a hundred dollars of shopping costs $90. Small on any one purchase. Considerable across a year of them.
- Housing is what makes Nebraska affordable. Prices overall sit about 9.62% from the national average, but housing is about 25.69% from it — much further. The things you buy in a store here cost close to what they cost anywhere. It is the roof that is cheap, and the roof is most people's largest bill.
- Put a wage against it. Seventy-five thousand dollars of salary, spent at Nebraska prices, stretches as far as $82,987 would at national-average prices. That is before any tax. It is purely what the local cost of things does to what you earn.
- Prices in Nebraska run about 9.62% below the national level, placing it 40 nationally. The one-hundred-dollar national-average basket costs $90 in-state. The parity is a fixed-basket price comparison, so the gap represents genuine purchasing power rather than a difference in what residents choose to buy.
- Nebraska's housing component sits about 25.69% below the national level against an all-items figure of about 9.62%, a divergence of about 16.06% and a housing rank of 37 nationally. Goods parities vary little between states because tradeable items arbitrage; shelter cannot, so it carries most of the observed dispersion. The consequence is that this state's affordability advantage accrues disproportionately to renters and buyers rather than to consumers generally.
- A seventy-five thousand dollar salary deflated by Nebraska's price parity is equivalent to $82,987 of national-average purchasing power. ⚠️ No tax is included: this isolates the price level from the tax system entirely, and both act on the same income. Note also that the index says nothing about local nominal wages, so it should not be read on its own as evidence that a household is better or worse off here.
What the money buys here
A $75,000 salary
| Take-home, actual dollars | $58,884 |
|---|---|
| Price level, all itemsUS average = 100 | 90.376 |
| HousingUS average = 100 | 74.313 |
| Cheapest place to live | 12th of 51 |
Housing is where places differ most. Everything else moves far less than people expect.
Price parities are an index where the US average is 100 — a comparison between places, not a price.
The same pay, somewhere else
A $75,000 salary
| Take-home in Nebraska | $58,884 |
|---|---|
| Take-home in Texas | $61,593 |
| Once local prices are leveledBEA price parity | −$1,771 |
The raise and the real gain point in opposite directions here.
State income tax and state price levels only. No city income tax, and no housing market.
What is expensive here
A $75,000 salary
- Housing74.313
- Goods95.26
- Services92.68
| Housing | 74.313 |
|---|---|
| Goods | 95.26 |
| Services | 92.68 |
| All items | 90.376 |
An index where 100 is the national average. Housing moves far more than anything else.
Housing, against the country
A $75,000 salary
| Cheapest housing | MS · 55 |
|---|---|
| Dearest housing | DC · 169 |
| This state, cheapest first | 15th of 51 |
A BEA index where 100 is the national average, not a house price.
Where the ranking flips
A $75,000 salary
| Nebraska on take-home | 27th |
|---|---|
| Once prices are leveled | 14th |
| Places moved | 13 |
Left is rank on take-home. Right is rank once local prices are leveled by BEA parities.
Nebraska against Texas
A $75,000 salary
| Measure | Nebraska | Texas |
|---|---|---|
| Take-home pay | $58,884 | $61,593 |
| Worth after local prices | $65,154 | $63,383 |
| Share of pay taxed | 21.49% | 17.88% |
| State sales tax | 5.5% | 6.25% |
| Groceries exempt here | Yes | Yes |
| Clothing exempt at $100 | No | No |
| Property tax rate | 1.49% | 1.49% |
| Price level | 90.4 | 97.2 |
| Housing prices | 74.3 | 97.4 |
| Fuel tax | 31.8¢ | 20¢ |
| Tobacco tax | $0.64 | $1.41 |
City income tax excluded. Sales-tax row: state-only. Exemptions: Nebraska, Statewide average; Texas, Harris County (Houston). Clothing: one $100 item; higher prices can change tax.
What you would need there
A $75,000 salary
| To match take-home only | $71,149 |
|---|---|
| Raise you would need | +$2,446 |
| Prices in Texas | 97 vs 90 |
State taxes and state price levels only. No city tax, and no housing market.
Where the difference actually sits
Each line compares Nebraska with the national average for that kind of spending. The overall figure is the three above it, weighted the way a typical household spends — which is why housing can pull it a long way on its own.
| What you spend on | Against national average | Includes |
|---|---|---|
| Housing | -25.69% | Rent and owners’ equivalent rent |
| Goods | -4.74% | Groceries, fuel, clothing |
| Other services | -7.32% | Haircuts, repairs, childcare |
| All items | -9.62% | The three above, weighted |
What a salary is worth here
A salary of seventy-five thousand dollars, spent at Nebraska prices, buys what $82,987 would buy at national average prices. That is a price adjustment only. No tax of any kind has been taken off it, and tax is a separate bill on the same money.
What this page cannot tell you
- This is one number for the whole of Nebraska, and no state is one place. A big city and a rural county can sit far apart on every figure here.
- These prices were measured in 2023. Rents in particular can move a long way in a couple of years.
- And this is prices only. It says nothing about what Nebraska charges you in tax, which is a separate bill and is covered elsewhere on this site.
- These parities are state-level aggregates. BEA also publishes metropolitan-area parities, and within-state dispersion between a large metro and a rural area routinely exceeds the difference between two states — so a state figure should not be read as descriptive of any particular address in Nebraska.
- The underlying survey vintage is 2023, which is the most recent BEA publication rather than a current reading. Shelter parities are the component most exposed to drift between vintages, so recent local rent movements in Nebraska will not be reflected here.
- Price parity and tax burden are independent quantities and this page models only the first. A low-parity state with high income tax and a high-parity state with none can leave a household in the same real position; comparing Nebraska to another jurisdiction requires both figures, not either alone.
Questions people ask
What does a lower cost of living actually get me?
It stretches the same pay further: $90 of national-average goods for every hundred dollars. Comparing salaries between states without this is comparing two different things.
Is this number a percentage?
It is an index rather than a rate. One hundred is the national average by construction, so the distance from it is measured in points, not percent.
Which part of living here is actually different?
Almost entirely housing. The goods component sits close to the national average here, so the gap you feel is rent and property rather than the supermarket.
How should I compare a job offer here with one somewhere else?
Convert both offers to the same terms first. Adjusted for prices, a reference salary behaves like $82,987 in Nebraska; income tax then moves it again, independently.
How does a below-average price level translate into real income?
Nebraska's all-items parity is at or below the national average, so nominal income understates purchasing power: one hundred dollars purchases $90 of national-average consumption. ⚠️ Parity measures prices, not availability or quality, and does not capture differences in the composition of what is bought.
How should a regional price parity be interpreted?
Regional price parities are index numbers with the national average normalized to one hundred. Differences are expressed in index points and are comparative rather than proportional to any specific price. They are estimated from a fixed national consumption basket, so they do not reflect state-specific spending patterns.
Which component drives this state's parity?
The housing parity dominates Nebraska's all-items figure, diverging from the national average by more than twice the goods component. Tradeable goods arbitrage across state lines and therefore cluster near parity; housing is non-tradeable, so its parity spans a far wider range and drives most interstate variation in the headline index.
How should nominal offers be adjusted across states?
Nominal offers should be deflated by the destination parity before comparison; the reference salary is equivalent to $82,987 in national-average terms here. ⚠️ Price adjustment and tax adjustment are independent and must both be applied — a state may be simultaneously cheap and heavily taxed, or the reverse.