Cost Of Living in Elm Creek, NE

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11%

Overall NAT. AVG.

0%

Groceries NAT. AVG.

31%

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	Elm Creek	Nebraska	National
Cost of living	89	91	100
Groceries	100	97	100
Health care	98	98	100
Housing	69	76	100
Transportation	97	99	100
Utilities	94	96	100
Lifestyle & Entertainment	100	97	100
Household Items	98	98	100
Education & Childcare	95	96	100

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Cost Of Living Quick Facts

The cost of living in Elm Creek is 2% lower than the Nebraska average
The cost of living in Elm Creek is 11% lower than the national average
Elm Creek housing is 31% 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	$102,022	$8,502	$2,380	$3,061
Renters	$53,940	$4,495	$1,259	$1,618

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.
Miller, NE	160	77	23.5%
Odessa, NE	59	82	18.0%
Overton, NE	724	82	17.7%
Amherst, NE	178	87	13.3%
Bertrand, NE	770	89	11.5%
Elm Creek, NE	1,159	89	10.9%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Magnolia Springs, AL	1,159	109	9.5%
Ogden Dunes, IN	1,159	119	19.2%
Cool Valley, MO	1,159	88	11.6%
Pasadena Hills, MO	1,159	100	0.2%
Colony Park, PA	1,159	111	11.0%
Elm Creek, NE	1,159	89	10.9%