Cost Of Living in Chadron, NE

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A+

10%

Overall NAT. AVG.

0%

Groceries NAT. AVG.

29%

Housing NAT. AVG.

Date & Last Updated: These cost of living estimates reflect 2026 modeled data using U.S. Census housing inputs and AI-assisted city-level pricing models.

The cost of living index is based on a national average of 100. For example, if the cost of living score is 90, then the estimated cost of living is 10% lower than the national average. If the score is 110, then the estimated cost of living is 10% higher than average. The overall index is calculated using weighted estimates across major everyday expense categories, including housing (30%), groceries (16%), transportation (12%), healthcare (10%), utilities (8%), lifestyle and entertainment (8%), household expenses (8%), and education and childcare (8%). All values are AI-assisted city-level estimates designed for directional comparisons.
Index	Chadron	Nebraska	National
Cost of living	90	91	100
Groceries	100	97	100
Health care	98	98	100
Housing	71	76	100
Transportation	98	99	100
Utilities	102	96	100
Lifestyle & Entertainment	96	97	100
Household Items	97	98	100
Education & Childcare	98	96	100

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Homes For Sale In Chadron, NE

322 4th

Smithwick, SD

TBD Deadhorse Rd

, NE

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Cost Of Living Quick Facts

The cost of living in Chadron is 1% lower than the Nebraska average
The cost of living in Chadron is 10% lower than the national average
Chadron housing is 29% lower than the national average
Nebraska general sales tax is 8% higher than the national average
Nebraska state income tax is 5% lower than the national average

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Price difference in compared to

Cost of living index
Groceries index
Health care index
Housing index
Transportation index
Utilities index
Lifestyle index
Household index
Educare index

Median Income & Debt-To-Income Ratio

Median Income	Per Year	Per Month	Max Budget (28% DTI)	Max Budget (36% DTI)
Owners	$87,522	$7,294	$2,042	$2,626
Renters	$48,258	$4,022	$1,126	$1,448

The affordability of the housing market in Chadron, NE as well as the overall cost of living can be predicted by what percent of the monthly income is spent on housing related costs. This is konwn as the debt-to-income ratio (DTI). The overall rule of thumb is that no more than 28% of your gross income should be spent on the overall costs related to housing and no more than 36% of gross income on all expenses and debts. Among Chadron homeowners, the median income is $87,522. This indicates that a monthly maximum of $2,042 should be spent by homeowners on all housing related costs. Renters have a median income of $48,258. This indicates that renters would have a maximum of $1,126 for their rent related monthly costs.

Nebraska Sales Tax

State	General Sales Tax	With Max Surtax
Nebraska	5.5%	7.5%

Nebraska Income Tax

State	Income Tax (Low)	Income Tax (High)
Nebraska	2.46%	6.64%

Nearby cities with low cost of living

City	Population	Cost of Living Index	National Avg.
Whitney, NE	99	75	25.0%
Chadron, NE	5,621	90	9.6%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Belle Mead, NJ	5,619	165	64.5%
Rockwood, TN	5,618	85	14.9%
Blauvelt, NY	5,617	155	54.7%
Wind Lake, WI	5,617	109	8.9%
Starke, FL	5,625	93	6.9%
Chadron, NE	5,621	90	9.6%