Is $77,000 a good salary in Nebraska?

$77,000 in Nebraska provides a monthly take-home of approximately $4,916 after taxes. Across major Nebraska cities, this salary is rated very comfortable, with an average monthly surplus of $2,711.

What is the cost of living on $77,000 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 $77,000 take-home pay of $4,916/month, you would have roughly $2,711/month remaining.

Living in Nebraska · 2026

Is $77,000 enough to live in Nebraska?

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

Statewide verdict:Very comfortable

Monthly take-home

$4,916

Avg monthly expenses

$2,205

Avg monthly surplus

$2,711

Savings potential

~55%

After-tax take-home in Nebraska

Gross salary$77,000

Federal income tax− $8,294

State income tax− $3,829

Social Security− $4,774

Medicare− $1,117

Annual take-home$58,986

Effective tax rate23.39%

How $77,000 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: $2,794/mo

Rent burden: 24.4% — 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: $2,909/mo

Rent burden: 22.4% — Affordable (< 25%)

Full Lincoln analysis →

Bellevue

COL index: 1.68× national avg

Comfortable

Rent (1BR)

$2,600

Food

$418

Transport

$294

Utilities

$277

Healthcare

$336

Total: $3,925/mo

Surplus: $991/mo

Rent burden: 52.9% — Unaffordable (> 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: $3,181/mo

Rent burden: 18.3% — 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: $3,210/mo

Rent burden: 17.9% — 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: $3,181/mo

Rent burden: 18.3% — Affordable (< 25%)

Full Fremont analysis →

50 / 30 / 20 Budget Planner

Based on your monthly take-home of $4,916 ($58,992/yr)

Needs 50%Wants 30%Savings 20%

Needs50%

$2,458

per month

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

Wants30%

$1,475

per month

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

Savings20%

$983

per month

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

Needs / year

$29,496

Wants / year

$17,698

Savings / year

$11,798

Salary Intelligence

Good salary in Omaha

Rent represents 24% of take-home income — comfortably within the recommended 25% guideline. This is a solid salary for this location.

Lifestyle score: 7.5/10 (Very Good)

Lifestyle Assessment

A $77,000 salary comfortably supports a very good single lifestyle in Omaha, Nebraska, with approximately $2,794/month (~57% 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). $77,000 here is roughly equivalent to $149,947 in San Francisco or $71,326 in an affordable city like Birmingham.

State & National Benchmark

$77,000 is 78% above the Nebraska individual median of $43,200 and 38% above the US national individual median of $56,000. This is a top-quartile income in this state.

State individual median

$43,200

+78%

State household median

$74,594

+3%

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)

$77,000 vs. Nebraska income benchmarks

Individual median (Nebraska)

$43,200

+78% vs. this salary

Household median (Nebraska)

$74,594

+3% 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.