Cost Of Living in Howard City, NE

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23%

Overall NAT. AVG.

5%

Groceries NAT. AVG.

67%

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	Howard City	Nebraska	National
Cost of living	77	91	100
Groceries	95	97	100
Health care	96	98	100
Housing	33	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 Howard City is 16% lower than the Nebraska average
The cost of living in Howard City is 23% lower than the national average
Howard City housing is 67% 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	$68,436	$5,703	$1,597	$2,053
Renters	$19,224	$1,602	$449	$577

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.
Poole, NE	14	98	2.3%
Rockville, NE	182	76	24.2%
Farwell, NE	95	77	22.7%
Ashton, NE	246	81	18.6%
Loup City, NE	1,024	82	18.5%
Howard City, NE	196	77	23.3%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Coffee Springs, AL	196	77	23.2%
Loachapoka, AL	196	94	6.0%
Weldona, CO	196	89	11.3%
Harris, IA	196	82	17.5%
Murphy, ID	196	104	4.1%
Howard City, NE	196	77	23.3%