Cost of Living in Nebraska in 2025

Nebraska Cost of Living: Quick Takeaways

• Housing Costs: Average rent for a one-bedroom apartment is projected to reach $900 in 2025, with the median home price around $300,000.
• Transportation Expenses: Public transit fares average $1.50 one-way and $50 monthly; fuel costs are about $3.20 per gallon.
• Healthcare Costs: Monthly employer-sponsored insurance averages $141.50, with Silver plan premiums around $527.
• Utilities and Groceries: Utilities cost approximately $172.57 monthly and grocery expenses are about $235.12 per person monthly.

Nebraska offers an affordable living environment with costs generally below national averages, though housing prices have steadily increased over the past decade.

This article provides a comprehensive breakdown of the cost of living in Nebraska for 2025, including housing, utilities, transportation, healthcare, education, taxes, and other key factors.

1. Housing Costs in Nebraska

Housing is a major factor in Nebraska's cost of living. Average rent for a one-bedroom apartment has increased over the last decade:

• 2010: $595
• 2015: $650
• 2020: $700
• 2024: $850
• 2025: $900

These figures show a steady rise in rental costs, reflecting growing demand in urban and suburban Nebraska areas.

2. Homeownership and Real Estate Trends in Nebraska

For prospective buyers, median home prices have appreciated considerably in recent years:

• 2010: $168,900
• 2015: $200,000
• 2020: $240,435
• 2024: $293,000
• 2025: $300,000

This upward trend highlights a strong real estate market and opportunities for investment, though it may impact affordability.

Related insights on hospitality real estate market trends provide valuable context for investors and business owners evaluating property options.

3. Transportation Expenses in Nebraska

Transportation options and costs include:

• Public Transit: $1.50 one-way fare and about $50 for a monthly pass.
• Fuel Costs: Average price stands at $3.20 per gallon in 2025.
• Vehicle Maintenance: Annual upkeep averages roughly $1,200.

Costs vary with vehicle type and commuting habits but remain affordable relative to many other states.

4. Utility Costs in Nebraska

Monthly utilities for an average apartment include:

• Electricity: $112.57
• Internet: $60.00
• Total Utilities: $172.57

These rates depend on usage and provider but are generally lower than national averages.

5. Grocery and Food Expenses in Nebraska

Food costs in Nebraska are close to the national norm, with estimated monthly grocery spending per person of $235.12.

Dining out options range:

• Casual Meal: $15
• Mid-Range Meal: $50

These costs reflect a balanced and affordable food culture across the state.

If you're in hospitality, understanding restaurant consumer trends can help anticipate shifts in dining preferences that impact food costs and menu planning.

6. Healthcare Costs in Nebraska

Healthcare expenses for residents include:

• Employer-Sponsored Insurance: Average monthly cost is around $141.50.
• Silver Health Insurance Plan: Premiums average $527 monthly.

These figures highlight healthcare affordability, though individual costs depend on coverage and health needs.

7. Educational Expenses in Nebraska

Educational options in Nebraska include public and private institutions:

• Public Schools: No direct tuition cost, funded via taxes.
• Private Schools: Average tuition around $10,000 annually.
• In-State University Tuition: Approximately $8,000 per year.

Education costs vary but are generally affordable compared to some other states.

8. Entertainment and Leisure in Nebraska

Residents enjoy diverse recreational activities and entertainment options:

• Movie Tickets: $12 each.
• Gym Memberships: Monthly fees average $30.
• Mid-Range Restaurant Meals: Cost about $50.
• Annual Entertainment Expenses: Around $2,000 per person.
• Personal Care Services: Estimated $600 annually.
• Miscellaneous Goods & Services: Approximately $700 annually.

These contribute to a well-rounded lifestyle in Nebraska.

Hospitality businesses can improve guest experience by exploring personalization in hospitality experiences, which is becoming increasingly important to customers.

9. Taxes and Miscellaneous Fees in Nebraska

Tax structure includes:

• State Income Tax Rate: Ranges from 2.46% to 6.84% based on income.
• Sales Tax: 5.5% total rate.
• Property Tax: 1.63% average rate.

Being aware of these rates is essential for budgeting and financial planning.

10. Childcare and Family Expenses in Nebraska

Families with children face these typical costs:

• Daycare: Approximately $1,577.83 monthly.
• After-School Programs: $500 monthly.
• Extracurricular Activities: Estimated $100 monthly.

These expenses are significant and should be factored into family budgets.

11. Clothing and Personal Care in Nebraska

Monthly spending averages include:

• Clothing: $100
• Personal Care Products and Services: $50

These values suggest relatively reasonable personal expenses.

12. Insurance Costs in Nebraska

Insurance contributes notably to living expenses:

• Health Insurance: $527 monthly for Silver plans.
• Auto Insurance: Average annual premium is $983.01.
• Homeowners Insurance: Costs around $1,200 annually.
• Renters Insurance: $180 annually on average.

These may vary depending on coverage levels and location.

Restaurant and hospitality owners should review restaurant insurance costs to mitigate risks without overspending on premiums.

13. Miscellaneous Expenses in Nebraska

Other living costs include entertainment and personal care:

• Annual Entertainment: $2,000
• Personal Care Services: $600 annually
• Miscellaneous Goods & Services: $700 annually

These costs fluctuate with lifestyle choices and preferences.

14. Income and Salaries in Nebraska

Median household income shows steady growth:

• 2010: $56,675
• 2015: $60,000
• 2020: $63,229
• 2023: $65,000
• 2025: $67,000

Increasing incomes indicate economic progress and improved earning potential for residents.

For hospitality employers, learning how to hire high performers can help capitalize on this economic growth with top talent acquisition strategies.

15. Comparison with National Averages

Nebraska's cost of living compared to the national average includes:

• Overall Cost of Living: Approximately 4% lower.
• Housing: Around 20% less expensive.
• Utilities: About 13% cheaper.
• Food: 1% below national prices.
• Healthcare: Slightly 1% higher.
• Transportation: 3% lower costs.
• Goods & Services: About 10% higher than average.

These comparisons provide insight into affordability and cost differences affecting residents and newcomers.

Understanding restaurant cost analysis can give hospitality managers a competitive edge in navigating local market pricing.

Our Methodology for Nebraska Cost of Living Figures

We compiled Nebraska's cost of living data for 2025 using reputable sources such as government statistics, industry reports, and cost databases like Numbeo and Zillow. Some items are estimated based on available data to ensure comprehensive coverage.

Nebraska Cost of Living: Conclusion

Nebraska continues to maintain an overall cost of living below the national average, with housing and utility expenses notably affordable while healthcare costs slightly exceed national figures.

This balance creates an attractive option for individuals and families considering relocation or budgeting for future expenses in the state.

By analyzing these detailed factors including housing, transportation, education, taxes, and personal expenses, residents can make informed decisions about their financial wellbeing in Nebraska.

To further strengthen hospitality businesses in the area, employers can benefit from exploring how to hire a restaurant manager efficiently for smoother operations and better workforce management.