Cost Of Living in Waterloo, NE

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A+

5%

Overall NAT. AVG.

1%

Groceries NAT. AVG.

13%

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	Waterloo	Nebraska	National
Cost of living	95	91	100
Groceries	99	97	100
Health care	100	98	100
Housing	87	76	100
Transportation	102	99	100
Utilities	95	96	100
Lifestyle & Entertainment	95	97	100
Household Items	99	98	100
Education & Childcare	101	96	100

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Homes For Sale In Waterloo, NE

25858 Pacific St

Waterloo, NE

29106 Sokol Plz

Waterloo, NE

23210 Agee Cir

Waterloo, NE

3905 N 269th Cir

Valley, NE

Cost Of Living Quick Facts

The cost of living in Waterloo is 5% higher than the Nebraska average
The cost of living in Waterloo is 5% lower than the national average
Waterloo housing is 13% 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	$102,939	$8,578	$2,402	$3,088
Renters	$95,805	$7,984	$2,235	$2,874

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.
Memphis, NE	62	97	2.8%
King Lake, NE	40	99	1.2%
Wann, NE	70	99	1.2%
Richfield, NE	14	98	2.3%
Boys Town, NE	873	99	1.2%
Waterloo, NE	1,090	95	4.7%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Skyline, AL	1,090	82	18.3%
Young Harris, GA	1,090	89	10.7%
Lawton, IA	1,090	95	5.0%
Silver Lake, IN	1,090	84	15.7%
Mortons Gap, KY	1,090	82	17.6%
Waterloo, NE	1,090	95	4.7%

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.

Cost of Living in Waterloo, NE

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Cost Of Living Quick Facts

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Median Income & Debt-To-Income Ratio

Nebraska Sales Tax

Nebraska Income Tax

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