Is $119,000 a good salary in Nebraska?

$119,000 in Nebraska provides a monthly take-home of approximately $7,173 after taxes. Across major Nebraska cities, this salary is rated very comfortable, with an average monthly surplus of $4,968.

What is the cost of living on $119,000 in Nebraska?

The average monthly living cost across major Nebraska cities is approximately $2,205 for a single adult (rent, food, transport, utilities, healthcare). On $119,000 take-home pay of $7,173/month, you would have roughly $4,968/month remaining.

Living in Nebraska · 2026

Is $119,000 enough to live in Nebraska?

Single adult · NE · 2026 tax brackets · Real cost-of-living data

Statewide verdict:Very comfortable

Monthly take-home

$7,173

Avg monthly expenses

$2,205

Avg monthly surplus

$4,968

Savings potential

~69%

After-tax take-home in Nebraska

Gross salary$119,000

Federal income tax− $17,534

State income tax− $6,282

Social Security− $7,378

Medicare− $1,726

Annual take-home$86,080

Effective tax rate27.66%

How $119,000 feels in Nebraska cities

Rent: HUD FMR 2026 · Food: USDA Low-Cost Plan × COL · Transport/Utilities/Healthcare: BLS CES × COL

Omaha

COL index: 0.95× national avg

Very comfortable

Rent (1BR)

$1,200

Food

$409

Transport

$166

Utilities

$157

Healthcare

$190

Total: $2,122/mo

Surplus: $5,051/mo

Rent burden: 16.7% — Affordable (< 25%)

Full Omaha analysis →

Lincoln

COL index: 0.93× national avg

Very comfortable

Rent (1BR)

$1,100

Food

$405

Transport

$163

Utilities

$153

Healthcare

$186

Total: $2,007/mo

Surplus: $5,166/mo

Rent burden: 15.3% — Affordable (< 25%)

Full Lincoln analysis →

Bellevue

COL index: 1.68× national avg

Very comfortable

Rent (1BR)

$2,600

Food

$418

Transport

$294

Utilities

$277

Healthcare

$336

Total: $3,925/mo

Surplus: $3,248/mo

Rent burden: 36.2% — High (35–50%)

Full Bellevue analysis →

Grand Island

COL index: 0.83× national avg

Very comfortable

Rent (1BR)

$900

Food

$387

Transport

$145

Utilities

$137

Healthcare

$166

Total: $1,735/mo

Surplus: $5,438/mo

Rent burden: 12.5% — Affordable (< 25%)

Full Grand Island analysis →

Kearney

COL index: 0.82× national avg

Very comfortable

Rent (1BR)

$880

Food

$383

Transport

$144

Utilities

$135

Healthcare

$164

Total: $1,706/mo

Surplus: $5,467/mo

Rent burden: 12.3% — Affordable (< 25%)

Full Kearney analysis →

Fremont

COL index: 0.83× national avg

Very comfortable

Rent (1BR)

$900

Food

$387

Transport

$145

Utilities

$137

Healthcare

$166

Total: $1,735/mo

Surplus: $5,438/mo

Rent burden: 12.5% — Affordable (< 25%)

Full Fremont analysis →

50 / 30 / 20 Budget Planner

Based on your monthly take-home of $7,173 ($86,076/yr)

Needs 50%Wants 30%Savings 20%

Needs50%

$3,587

per month

›Rent / mortgage
›Groceries
›Utilities
›Insurance
›Minimum debt payments
›Transportation

Wants30%

$2,152

per month

›Dining out
›Streaming services
›Gym
›Hobbies
›Travel
›Shopping

Savings20%

$1,435

per month

›Emergency fund
›401(k) / IRA
›Investments
›Down payment fund
›Debt payoff (extra)

Needs / year

$43,038

Wants / year

$25,823

Savings / year

$17,215

Salary Intelligence

Excellent salary in Omaha

At $119,000, housing costs only 17% of take-home income — well below the 25% threshold. This leaves strong room for savings, discretionary spending, and wealth building.

Lifestyle score: 8/10 (Very Good)

Lifestyle Assessment

A $119,000 salary comfortably supports a very good single lifestyle in Omaha, Nebraska, with approximately $5,051/month (~70% of take-home) available for savings — meeting or exceeding the recommended 20% savings rate.

Purchasing Power

Omaha is near the national cost-of-living average (index: 0.95). $119,000 here is roughly equivalent to $231,737 in San Francisco or $110,232 in an affordable city like Birmingham.

State & National Benchmark

$119,000 is 175% above the Nebraska individual median of $43,200 and 113% above the US national individual median of $56,000. This is a top-quartile income in this state.

State individual median

$43,200

+175%

State household median

$74,594

+60%

Tax reduction strategies

Maximize 401(k) Contributions — Up to $5,170 in federal tax (22% bracket)

401(k) Age 50+ Catch-Up Contribution — Up to $2,775 additional tax savings (37% bracket)

$119,000 vs. Nebraska income benchmarks

Individual median (Nebraska)

$43,200

+175% vs. this salary

Household median (Nebraska)

$74,594

+60% vs. this salary

Source: US Census Bureau ACS 2023

Related salary insights

Explore other salary levels in Nebraska

$40,000 $60,000 $100,000 $150,000 $200,000 $300,000

Reviewed by

Finance Editor

CPA, 10+ years in personal finance

Data Sources

•Tax calculations: IRS federal tax tables
•Rent data: HUD Fair Market Rents
•Cost-of-living index: C2ER / ACCRA Cost of Living Index

Data updated monthly using government datasets.