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Nebraska

Cost of living in Garden County, NE

Estimated monthly cost
$2,415/mo
for a single person, all categories combined

Population 1,620 · Last updated May 21, 2026

Cost breakdown

Single person, by category, per month.

Rent $691 29%
Healthcare $480 20%
Federal tax $341 14%
Groceries $320 13%
Transport $250 10%
Energy $185 8%
State tax $98 4%
Water $50 2%

Rent in Garden County

Fair Market Rents by bedroom count.

Studio
$622
per month
1 bedroom
$691
per month
2 bedroom
$907
per month
3 bedroom
$1,093
per month
4 bedroom
$1,204
per month

Source: HUD FMR FY2025

Income and earnings in Garden County

Annual earnings figures from the Census ACS.

Household income
$44,777
per year
Individual earnings
$30,927
per year
Per capita
$31,288
per year

Source: ACS 2019-2023 5-Year.

Home values in Garden County

Average values reported by homeowners.

Average home value
$95,500
Annual property tax
$1,127

Source: ACS 2019-2023 5-Year

Energy costs in Garden County

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 Garden County

Insurance premiums and coverage rates.

Individual premium
$480
per month
Family premium
$1,350
per month
Uninsured rate
9.2%

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 Garden County

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 Garden County

Commute patterns and estimated costs.

Average commute
10.7 min
Drive alone
65.0%
Public transit
0.0%
Work from home
16.6%

Source: ACS

Monthly cost estimates for Garden County

What it costs to live in Garden County each month.

Single person
$2,415
per month
  • Rent $691
  • Energy $185
  • Water $50
  • Groceries $320
  • Transport $250
  • Healthcare $480
  • Federal tax $341
  • State tax $98
Couple
$3,510
per month
  • Rent $907
  • Energy $222
  • Water $60
  • Groceries $530
  • Transport $350
  • Healthcare $864
  • Federal tax $415
  • State tax $162
Family
$5,823
per month
  • Rent $1,093
  • Energy $278
  • Water $70
  • Groceries $805
  • Transport $450
  • Healthcare $1,350
  • Childcare $1,200
  • Federal tax $415
  • State tax $162

Frequently asked questions about Garden County

Common questions about cost of living, rent and salary.

What is the average rent in Garden County?

In Garden County, NE, a one-bedroom apartment averages $691 per month, a two-bedroom averages $907 per month, a three-bedroom averages $1,093 per month, according to HUD Fair Market Rent data.

What is the average salary in Garden County?

In Garden County, NE, the average household income is $44,777 per year and individual earnings for full-time workers average $30,927 per year, according to U.S. Census Bureau data.

What is the cost of living in Garden County?

The estimated cost of living in Garden County, NE is approximately $2,415 per month for a single person, $3,510 for a couple, $5,823 for a family. This includes rent, utilities, groceries, transportation, healthcare, and taxes.

What is the sales tax rate in Garden County?

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

Is Garden County an affordable place to live?

Based on the data, a single person in Garden County, NE would need approximately $2,415 per month to cover rent, utilities, food, transport, healthcare, and taxes. The average household income is $44,777 per year ($3,731 per month). Garden County has a moderate cost of living relative to local earnings.

How much does healthcare cost in Garden County?

The ACA marketplace benchmark premium in Garden County, NE is approximately $480 per month for an individual. Approximately 9.2% of residents are uninsured. Actual costs vary based on employer coverage, plan type, and individual circumstances.

What are house prices in Garden County?

The average home value in Garden County, NE is $95,500, with average annual property taxes of $1,127, according to U.S. Census Bureau data.

How does Garden County compare to other areas?

You can compare Garden County, NE with any other US county using our comparison tool at /compare. Garden County is in Nebraska.

Other counties in Nebraska

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

See all counties in Nebraska

Compare Garden County 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