Cost Of Living in McCook, NE

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13%

Overall NAT. AVG.

0%

Groceries NAT. AVG.

37%

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	McCook	Nebraska	National
Cost of living	87	91	100
Groceries	100	97	100
Health care	98	98	100
Housing	63	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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Homes For Sale In McCook, NE

801 E 1st St

Mc Cook, NE

811 W S St

McCook, NE

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Cost Of Living Quick Facts

The cost of living in McCook is 4% lower than the Nebraska average
The cost of living in McCook is 13% lower than the national average
McCook housing is 37% 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	$82,744	$6,895	$1,931	$2,483
Renters	$43,848	$3,654	$1,023	$1,316

The percentage of monthly income spent on housing related expenses can help predict the affordability of housing in McCook, NE, as well as what the overall cost of living might be. Generally, a good rule to follow is that the debt-to-income (DTI) level you want to maintain is 28 percent or less of your income on your rent or mortgage payments and not more than 36 percent of income on all expenses and debts. In McCook, homeowners have a median income of $82,744. Using that number, a maximum of $1,931 per month should be allocated to housing expenses. For those who are renting instead of owning, the median income is $43,848, which means there is a maximum of $1,023 to be spent on the costs of renting a home or apartment.

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.
Danbury, NE	53	77	23.3%
Culbertson, NE	515	83	16.8%
Indianola, NE	513	84	16.1%
McCook, NE	7,729	87	12.8%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Hughson, CA	7,730	135	34.8%
Mount Horeb, WI	7,730	110	10.4%
North Star, DE	7,732	135	34.5%
Merritt, BC	7,733	n/a
Greenville, AL	7,724	86	14.1%
McCook, NE	7,729	87	12.8%