Cost Of Living in O'Neill, NE

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15%

Overall NAT. AVG.

9%

Goods & Services NAT. AVG.

30%

Housing NAT. AVG.

Date & Last Updated: This data reflects 2023 and was released from C2ER in January, 2024; 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	O'Neill	Nebraska	National
Cost of living	85	89	100
Goods & Services	91	96	100
Groceries	97	96	100
Health care	103	98	100
Housing	70	76	100
Transportation	91	100	100
Utilities	84	86	100

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Cost Of Living Quick Facts

The cost of living in O'Neill is 5% lower than the Nebraska average
The cost of living in O'Neill is 15% lower than the national average
O'Neill housing is 30% 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	$68,227	$5,686	$1,592	$2,047
Renters	$41,027	$3,419	$957	$1,231

The percentage of monthly income spent on housing related expenses can help predict the affordability of housing in O'Neill, 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 O'Neill, homeowners have a median income of $68,227. Using that number, a maximum of $1,592 per month should be allocated to housing expenses. For those who are renting instead of owning, the median income is $41,027, which means there is a maximum of $957 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%

Goods & Services

Item	O'Neill	National avg.	Difference
Haircut	$24.32	$24.26	0.2%
Beauty Salon	$35.22	$45.56	22.7%
Toothpaste	$3.80	$3.70	2.7%
Shampoo	$1.29	$1.28	0.7%
Movie	$9.36	$12.13	22.9%
Bowling	$16.40	$18.00	8.9%

Groceries

Item	O'Neill	National avg.	Difference
Ground Beef	$5.89	$5.84	0.8%
Fried Chicken	$1.41	$1.57	10.4%
Milk	$4.75	$4.67	1.7%
Potatoes	$4.63	$4.93	6.2%
Pizza	$10.64	$12.09	12.0%
Beer	$9.33	$10.41	10.4%

Health Care

Item	O'Neill	National avg.	Difference
Optometrist	$135.10	$125.68	7.5%
Doctor	$177.33	$135.78	30.6%
Dentist	$108.21	$113.29	4.5%
Ibuprofen	$10.48	$10.65	1.7%
Lipitor	$357.08	$468.60	23.8%

Housing

Item	O'Neill	National avg.	Difference
Home Price	$124,300.00	$184,700.00	32.7%
Avg. Mortgage Payment	$2,133.89	$2,346.69	9.1%
Apartment Rent	$730.00	$949.00	23.1%

Transportation

Item	O'Neill	National avg.	Difference
Gasoline	$3.28	$3.46	5.3%
Tire Balancing	$49.42	$59.92	17.5%

Utilities

Item	O'Neill	National avg.	Difference
All Electricity	$141.67	$193.99	27.0%
Phone	$194.04	$192.25	0.9%

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.
Page, NE	150	75	24.6%
Inman, NE	107	81	19.1%
Emmet, NE	13	87	13.5%
O'Neill, NE	3,594	85	14.7%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Boonsboro, MD	3,594	118	18.0%
Blanding, UT	3,594	97	2.7%
Baldwin, GA	3,593	86	14.1%
Morton, MS	3,593	81	19.4%
Carlyle, IL	3,595	89	11.4%
O'Neill, NE	3,594	85	14.7%