Cost Of Living in Cozad, NE

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13%

Overall NAT. AVG.

4%

Goods & Services NAT. AVG.

45%

Housing NAT. AVG.

Date & Last Updated: This data reflects 2025 and was released from C2ER in January, 2026; this is the most current data available.

The cost of living index is based on a national average of 100. For example, if the cost of living is 90, then it is 10% lower than average. If the cost of living is 110, then it is 10% higher than average. The breakdown for each index is as follows: goods & services (33%), groceries (13%), health care (5%), housing (30%), transportation (9%) and utilities (10%). If the cost of living data was unavailable for this city, estimates based upon nearby cities were used.
Index	Cozad	Nebraska	National
Cost of living	87	91	100
Goods & Services	104	99	100
Groceries	98	99	100
Health care	103	100	100
Housing	55	76	100
Transportation	97	93	100
Utilities	94	89	100

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Homes For Sale In Cozad, NE

TBD

, NE

616 W 10th St

Cozad, NE

1310 Avenue K

Cozad, NE

513 W 12th St

Cozad, NE

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Cost Of Living Quick Facts

The cost of living in Cozad is 4% lower than the Nebraska average
The cost of living in Cozad is 13% lower than the national average
Cozad housing is 45% 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
Goods & Services index
Groceries index
Health care index
Housing index
Transportation index
Utilities index

Median Income & Debt-To-Income Ratio

Median Income	Per Year	Per Month	Max Budget (28% DTI)	Max Budget (36% DTI)
Owners	$91,227	$7,602	$2,128	$2,737
Renters	$42,953	$3,579	$1,002	$1,289

The percent of monthly income spent on housing can be a good indicator of the affordability of housing in Cozad, NE, as well as the overall cost of living. As a general rule of thumb, the debt-to-income ratio (DTI) for homeowners or renters should be not more than 28 percent of gross income to be spent on housing related costs and not more than 36 percent of income on all expenses, including debts. The median income for Cozad homeowners, is $91,227. This would allow for a maximum of $2,128 per month to be spent on housing costs. For renters, the median monthly income is $42,953 which would result in a maximum of $1,002 to be spent on rental 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%

Goods & Services

Item	Cozad	National avg.	Difference
Haircut	$36.33	$27.62	31.5%
Beauty Salon	$46.16	$51.11	9.7%
Toothpaste	$4.03	$4.09	1.5%
Shampoo	$1.64	$1.54	6.4%
Movie	$14.15	$12.88	9.9%
Yoga	$21.40	$19.66	8.8%

Groceries

Item	Cozad	National avg.	Difference
Ground Beef	$7.73	$7.70	0.3%
Fried Chicken	$1.53	$1.66	8.0%
Milk	$4.66	$4.73	1.5%
Potatoes	$5.61	$5.26	6.7%
Pizza	$13.63	$12.76	6.8%
Beer	$9.69	$10.55	8.1%

Health Care

Item	Cozad	National avg.	Difference
Optometrist	$139.24	$140.06	0.6%
Doctor	$190.13	$153.82	23.6%
Dentist	$112.88	$123.15	8.3%
Ibuprofen	$11.81	$11.73	0.7%
Lipitor	$22.70	$23.61	3.9%

Housing

Item	Cozad	National avg.	Difference
Home Price	$158,536.00	$326,622.00	51.5%
Avg. Mortgage Payment	$1,882.73	$2,480.25	24.1%
Apartment Rent	$1,024.00	$1,444.00	29.1%

Transportation

Item	Cozad	National avg.	Difference
Gasoline	$2.91	$3.06	4.7%
Tire Balancing	$65.90	$65.21	1.1%

Utilities

Item	Cozad	National avg.	Difference
All Electricity	$193.96	$220.12	11.9%
Phone	$202.53	$195.71	3.5%

Although the cost of living data is updated regularly, this cost of living information is to be used as estimates only as prices can change on an ongoing basis.

Nearby cities with low cost of living

City	Population	Cost of Living Index	National Avg.
Willow Island, NE	8	100	0.3%
Farnam, NE	178	79	20.6%
Eustis, NE	515	89	11.4%
Gothenburg, NE	3,543	90	10.4%
Lexington, NE	10,384	91	9.0%
Cozad, NE	3,889	87	13.2%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Fordyce, AR	3,889	85	14.9%
Brookville, PA	3,889	89	11.3%
North Baltimore, OH	3,888	87	13.4%
Saint-Ambroise, QC	3,888	n/a
Carmel-by-the-Sea, CA	3,890	291	190.6%
Cozad, NE	3,889	87	13.2%

Date & Last Updated: This data reflects 2025 and was released from C2ER in January, 2026; this is the most current data available.

Cost of Living in Cozad, NE

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Cost Of Living Quick Facts

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Median Income & Debt-To-Income Ratio

Nebraska Sales Tax

Nebraska Income Tax

Goods & Services

Groceries

Health Care

Housing

Transportation

Utilities

Nearby cities with low cost of living

Cities with similar population