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Nebraska

Cost of living in Garfield County, NE

Estimated monthly cost
$2,506/mo
for a single person, all categories combined

Population 1,797 · Last updated May 21, 2026

Cost breakdown

Single person, by category, per month.

Rent $691 28%
Healthcare $480 19%
Federal tax $358 14%
Groceries $320 13%
Transport $320 13%
Energy $185 7%
State tax $102 4%
Water $50 2%

Rent in Garfield County

Fair Market Rents by bedroom count.

Studio
$622
per month
1 bedroom
$691
per month
2 bedroom
$907
per month
3 bedroom
$1,200
per month
4 bedroom
$1,204
per month

Source: HUD FMR FY2025

Income and earnings in Garfield County

Annual earnings figures from the Census ACS.

Household income
$68,611
per year
Individual earnings
$31,944
per year
Per capita
$35,332
per year

Source: ACS 2019-2023 5-Year.

Home values in Garfield County

Average values reported by homeowners.

Average home value
$144,900
Annual property tax
$2,085

Source: ACS 2019-2023 5-Year

Energy costs in Garfield 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 Garfield County

Insurance premiums and coverage rates.

Individual premium
$480
per month
Family premium
$1,350
per month
Uninsured rate
5.5%

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 Garfield 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 Garfield County

Commute patterns and estimated costs.

Average commute
13.2 min
Drive alone
72.9%
Public transit
0.0%
Work from home
3.7%

Source: ACS

Monthly cost estimates for Garfield County

What it costs to live in Garfield County each month.

Single person
$2,506
per month
  • Rent $691
  • Energy $185
  • Water $50
  • Groceries $320
  • Transport $320
  • Healthcare $480
  • Federal tax $358
  • State tax $102
Couple
$4,074
per month
  • Rent $907
  • Energy $222
  • Water $60
  • Groceries $530
  • Transport $420
  • Healthcare $864
  • Federal tax $793
  • State tax $278
Family
$6,494
per month
  • Rent $1,200
  • Energy $278
  • Water $70
  • Groceries $805
  • Transport $520
  • Healthcare $1,350
  • Childcare $1,200
  • Federal tax $793
  • State tax $278

Frequently asked questions about Garfield County

Common questions about cost of living, rent and salary.

What is the average rent in Garfield County?

In Garfield County, NE, a one-bedroom apartment averages $691 per month, a two-bedroom averages $907 per month, a three-bedroom averages $1,200 per month, according to HUD Fair Market Rent data.

What is the average salary in Garfield County?

In Garfield County, NE, the average household income is $68,611 per year and individual earnings for full-time workers average $31,944 per year, according to U.S. Census Bureau data.

What is the cost of living in Garfield County?

The estimated cost of living in Garfield County, NE is approximately $2,506 per month for a single person, $4,074 for a couple, $6,494 for a family. This includes rent, utilities, groceries, transportation, healthcare, and taxes.

What is the sales tax rate in Garfield County?

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

Is Garfield County an affordable place to live?

Based on the data, a single person in Garfield County, NE would need approximately $2,506 per month to cover rent, utilities, food, transport, healthcare, and taxes. The average household income is $68,611 per year ($5,718 per month). Garfield County is relatively affordable compared to the national average.

How much does healthcare cost in Garfield County?

The ACA marketplace benchmark premium in Garfield County, NE is approximately $480 per month for an individual. Approximately 5.5% of residents are uninsured. Actual costs vary based on employer coverage, plan type, and individual circumstances.

What are house prices in Garfield County?

The average home value in Garfield County, NE is $144,900, with average annual property taxes of $2,085, according to U.S. Census Bureau data.

How does Garfield County compare to other areas?

You can compare Garfield County, NE with any other US county using our comparison tool at /compare. Garfield 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 Garfield 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