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Omaha, NE-IA

Cost of living in Omaha, Nebraska

Douglas County, NE

Part of the Omaha Metro Area

Estimated monthly cost
$3,178/mo
for a single person, all categories combined

Population 585,461 · Last updated May 21, 2026

Cost breakdown

Single person, by category, per month.

Rent $1,052 33%
Federal tax $599 19%
Healthcare $480 15%
Groceries $320 10%
Transport $320 10%
Energy $185 6%
State tax $172 5%
Water $50 2%

Rent in Omaha

Fair Market Rents by bedroom count.

Studio
$990
per month
1 bedroom
$1,052
per month
2 bedroom
$1,261
per month
3 bedroom
$1,675
per month
4 bedroom
$1,864
per month

Source: HUD FMR FY2025

Income and earnings in Omaha

Annual earnings figures from the Census ACS.

Household income
$79,081
per year
Individual earnings
$46,706
per year
Per capita
$45,178
per year

Source: ACS 2019-2023 5-Year.

Home values in Omaha

Average values reported by homeowners.

Average home value
$245,800
Annual property tax
$4,295

Source: ACS 2019-2023 5-Year

Energy costs in Omaha

Estimated monthly electricity and gas costs.

Electricity
$124
per month · 13.1¢/kWh
Natural gas
$61
per month
Annual total
$2,220
per year

Source: EIA

Healthcare in Omaha

Insurance premiums and coverage rates.

Individual premium
$480
per month
Family premium
$1,350
per month
Uninsured rate
8.7%

Source: ACS + national avg. Marketplace benchmark premiums are second-lowest Silver plan estimates and do not reflect employer plans, subsidies, or out-of-pocket costs. This is not healthcare advice.

Taxes in Omaha

State and local tax rates for Nebraska.

State income tax
5.8%
Top marginal rate
State sales tax
5.5%
Combined sales tax
7.0%
incl. average local

Tax rates change. Consult a qualified tax professional for advice on your specific situation. This is not tax advice.

Transportation in Omaha

Commute patterns and estimated costs.

Average commute
20.0 min
Drive alone
73.4%
Public transit
1.0%
Work from home
14.3%

Source: ACS

Monthly cost estimates for Omaha

What it costs to live in Omaha each month.

Single person
$3,178
per month
  • Rent $1,052
  • Energy $185
  • Water $50
  • Groceries $320
  • Transport $320
  • Healthcare $480
  • Federal tax $599
  • State tax $172
Couple
$4,650
per month
  • Rent $1,261
  • Energy $222
  • Water $60
  • Groceries $530
  • Transport $420
  • Healthcare $864
  • Federal tax $964
  • State tax $329
Family
$7,191
per month
  • Rent $1,675
  • Energy $278
  • Water $70
  • Groceries $805
  • Transport $520
  • Healthcare $1,350
  • Childcare $1,200
  • Federal tax $964
  • State tax $329

Frequently asked questions about Omaha

Common questions about cost of living, rent and salary.

What is the average rent in Omaha?

In Omaha, Nebraska, a one-bedroom apartment averages $1,052 per month, a two-bedroom averages $1,261 per month, a three-bedroom averages $1,675 per month, according to HUD Fair Market Rent data.

What is the average salary in Omaha?

In Omaha, Nebraska, the average household income is $79,081 per year and individual earnings for full-time workers average $46,706 per year, according to U.S. Census Bureau data.

What is the cost of living in Omaha?

The estimated cost of living in Omaha, Nebraska is approximately $3,178 per month for a single person, $4,650 for a couple, $7,191 for a family. This includes rent, utilities, groceries, transportation, healthcare, and taxes.

What is the sales tax rate in Omaha?

The combined sales tax rate in Omaha, Nebraska is 7.00%, which includes the Nebraska state rate of 5.50% plus an average local rate of 1.50%.

Is Omaha an affordable place to live?

Based on the data, a single person in Omaha, Nebraska would need approximately $3,178 per month to cover rent, utilities, food, transport, healthcare, and taxes. The average household income is $79,081 per year ($6,590 per month). Omaha is relatively affordable compared to the national average.

How much does healthcare cost in Omaha?

The ACA marketplace benchmark premium in Omaha, Nebraska is approximately $480 per month for an individual. Approximately 8.7% of residents are uninsured. Actual costs vary based on employer coverage, plan type, and individual circumstances.

What are house prices in Omaha?

The average home value in Omaha, Nebraska is $245,800, with average annual property taxes of $4,295, according to U.S. Census Bureau data.

How does Omaha compare to other areas?

You can compare Omaha, Nebraska with any other US county using our comparison tool at /compare. Omaha is in the Omaha, NE-IA metro area.

Other counties in Nebraska

Browse the full list of counties in Nebraska, ranked by cost of living.

See all counties in Nebraska

Compare Omaha with another area

Put two counties side by side to see how rent, taxes and everyday costs stack up.

About this data

All figures on this page come from official U.S. government sources, listed below.

  • HUD FMR FY2025
  • ACS 2019-2023 5-Year
  • EIA
  • ACS + national avg
  • ACS
  • USDA + BEA RPP
Methodology All data sources