Cost Of Living in Elgin, NE

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17%

Overall NAT. AVG.

5%

Groceries NAT. AVG.

47%

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	Elgin	Nebraska	National
Cost of living	83	91	100
Groceries	95	97	100
Health care	96	98	100
Housing	53	76	100
Transportation	97	99	100
Utilities	96	96	100
Lifestyle & Entertainment	95	97	100
Household Items	99	98	100
Education & Childcare	90	96	100

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Cost Of Living Quick Facts

The cost of living in Elgin is 9% lower than the Nebraska average
The cost of living in Elgin is 17% lower than the national average
Elgin housing is 47% 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	$92,457	$7,705	$2,157	$2,774
Renters	$62,516	$5,210	$1,459	$1,876

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.
Raeville, NE	0	96	4.5%
Oakdale, NE	361	77	22.9%
Clearwater, NE	421	79	21.1%
Tilden, NE	1,119	81	18.9%
Petersburg, NE	465	82	18.2%
Elgin, NE	802	83	17.2%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Reynolds, GA	802	83	17.4%
Laurel, IN	802	82	17.6%
Tribune, KS	802	93	7.3%
Glorieta, NM	802	116	16.5%
Antelope, SD	802	74	25.5%
Elgin, NE	802	83	17.2%