Cost of Living in Scottsbluff, NE
Scottsbluff cost of living index: 98.5 (below the US average). Median home price: $189,000.
Updated 2026 • Based on 1 local zip code
📍 Some data sourced from nearby metro area
% below the national average
Housing
Data from 1 zip code
Housing costs in Scottsbluff, NE based on real market data from 1 local zip code.
Considering the data for Scottsbluff, NE, it appears to be an affordable destination with a housing index of 60.2. The median home price stands at 189000.0, which is below the national average, making homeownership more accessible. Additionally, average rents for a 2-bedroom apartment and a house are competitive at 900.0 and respectively. This balance of affordable purchasing and rental options could accommodate both families and individuals looking to settle. However, do factor in local amenities and job market stability when making your decision.
Last updated: January 2026
Utilities
The cost of utilities such as electricity, natural gas, and other services can significantly impact the overall cost of living.
Living in Scottsbluff, NE could entail variable utility costs. Electricity costs sit at $12.92, while natural gas is priced at $13.89 per Thousand Cubic Feet. Expect to budget about $221.0 monthly for other services like water and garbage.
Cost Breakdown by Category
Local Income & Economy in Scottsbluff, NE
How far does your money go in Scottsbluff? Understanding the relationship between income and cost of living is key to evaluating affordability.
How We Calculate Adjusted Purchasing Power in Scottsbluff
The adjusted purchasing power shows what a Scottsbluff, NE household income is actually worth after accounting for local prices. We calculate it using the formula: Purchasing Power = Median Income ÷ Cost of Living Index × 100
For Scottsbluff, that's $55,744 ÷ 98.5 × 100 = $56,593. This means a household earning the median income in Scottsbluff has the equivalent buying power of $56,593 in a city where the cost of living index equals the national baseline of 100.
With a cost of living index of 98.5, Scottsbluff is more affordable than the national average. The median household income of $55,744 effectively stretches to $56,593 in purchasing power — meaning everyday expenses like housing, groceries, and utilities cost less here. This makes Scottsbluff, NE an attractive destination for budget-conscious families, remote workers, and retirees looking to maximize their income.
Housing is particularly affordable, with a median home price of $189,000. Renters and first-time homebuyers in Scottsbluff benefit from lower monthly costs compared to national averages, leaving more room in the budget for savings and quality of life.
💡 Purchasing power is calculated by dividing the local median household income by the cost of living index and multiplying by 100. A result higher than the nominal income means your money goes further; a lower result means local prices erode your earnings. The US baseline cost of living index is 100.
Pros & Cons of Living in Scottsbluff
Pros
- • Friendly community vibe
- • Growing job opportunities
- • Low crime rate overall
- • Strong school systems
- • Access to outdoor activities
- • Family-friendly environment
- • Quiet, small-town living
- • Affordable housing options
- • Diverse local events
- • Local parks and playgrounds
Cons
- • Weather extremes in seasons
- • Limited nightlife options
- • Few shopping choices
- • Limited diversity in population
- • Public transport is scarce
- • Political views can be polarized
- • Higher poverty than average
- • Some areas lack economic growth
- • Limited cultural activities
- • Fewer dining and entertainment options
💡City Insights
Scottsbluff scores 9/10 for affordability, 5/10 for safety, and 5/10 for family-friendliness — an good overall profile. Its strongest aspect is affordability, making it particularly suitable for budget-conscious buyers. This balanced profile makes Scottsbluff worth considering for various lifestyle priorities.
Frequently Asked Questions
What is the cost of living in Scottsbluff, NE? ▼
The cost of living in Scottsbluff, NE is 2% lower than the national average, with a cost of living index of 98 (where 100 represents the U.S. average). Housing typically accounts for the largest portion of living expenses. See full cost of living breakdown →
How much does it cost to buy or rent a home in Scottsbluff, NE? ▼
In Scottsbluff, NE, The median home price is $189,000. requiring approximately $83,357 annual income to afford. Average rent is $900/month (requiring ~$36,000/year income). The local median household income is $55,744, making homeownership attainable for typical residents. Explore Scottsbluff real estate data →
Is Scottsbluff, NE a safe place to live? ▼
Scottsbluff, NE is average in terms of safety, with crime rates near the national average. Safety varies significantly by neighborhood. View detailed Scottsbluff crime statistics →
What salary do you need to live comfortably in Scottsbluff, NE? ▼
To live comfortably in Scottsbluff, NE and afford a median-priced home of $189,000, you would typically need a household income of $47,250 to $59,062 per year. The local median household income is $55,744. Renting requires approximately $36,000/year (at $900/month). See full affordability analysis →
What are the best neighborhoods in Scottsbluff, NE? ▼
The best neighborhoods in Scottsbluff, NE depend on your priorities. For families, look for areas near top-rated schools with lower crime rates. For affordability, neighborhoods throughout the city offer good value since the median home price of $189,000 is below the national average.
How are the taxes in Scottsbluff, NE? ▼
Tax rates in Scottsbluff, NE include state and local components. The cost of living index of 98 reflects a moderate cost environment compared to the national average. View detailed Scottsbluff tax information →
How does Scottsbluff, NE compare to nearby cities? ▼
Scottsbluff, NE offers a more affordable alternative to nearby communities. With a cost of living index of 98, median home prices of $189,000, and a crime rate of 0 per 1,000 residents, you can compare these metrics side-by-side. Use the compare feature to evaluate specific cities.
What is the weather like in Scottsbluff, NE? ▼
Weather in Scottsbluff, NE varies by season. Climate data varies by season. View detailed Scottsbluff climate & environment data →
What factors affect cost of living in Scottsbluff, NE? ▼
The main factors affecting cost of living in Scottsbluff, NE include housing costs (the biggest factor), utilities, groceries, transportation, and healthcare. Local taxes and the overall economic conditions also play a role.
Housing Costs by Zip Code
Detailed housing data across 1 zip code in Scottsbluff, NE.
| Zip Code | Median Home Price | Avg Rent | 2BR Rent | For Sale | For Rent |
|---|---|---|---|---|---|
| 69361 | $189,000 | $1,019/mo | $900/mo | 71 | 6 |
Explore More About Scottsbluff, NE
📅 Last Updated: January 2026
Sources: U.S. Census Bureau (ACS), Bureau of Labor Statistics, Council for Community and Economic Research (C2ER), Zillow, Redfin