Cost Of Living in O'Neill, NE

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12%

Overall NAT. AVG.

5%

Groceries NAT. AVG.

30%

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	O'Neill	Nebraska	National
Cost of living	88	91	100
Groceries	95	97	100
Health care	96	98	100
Housing	70	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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Homes For Sale In O'Neill, NE

116 S 7th St

Oneill, NE

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Cost Of Living Quick Facts

The cost of living in O'Neill is 3% lower than the Nebraska average
The cost of living in O'Neill is 12% 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
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	$101,011	$8,418	$2,357	$3,031
Renters	$61,723	$5,144	$1,440	$1,852

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 $101,011. Using that number, a maximum of $2,357 per month should be allocated to housing expenses. For those who are renting instead of owning, the median income is $61,723, which means there is a maximum of $1,440 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.
Page, NE	154	78	22.0%
Inman, NE	109	84	16.5%
Emmet, NE	13	90	10.5%
O'Neill, NE	3,728	88	12.2%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Zephyrhills North, FL	3,729	90	9.8%
Watertown, CT	3,726	110	10.3%
Pine Lawn, MO	3,726	83	17.0%
Cayuga Heights, NY	3,726	130	30.2%
Juno Beach, FL	3,730	139	39.4%
O'Neill, NE	3,728	88	12.2%