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Lincoln, Nebraska

USA · Comprehensive city data and intelligence

65
Overall Score

Lincoln, Nebraska, the state capital and second-largest city, is home to over 300,000 residents and spans approximately 104 square miles. Situated between Chicago and Denver, it serves as a hub for governmental and educational institutions, including the University of Nebraska-Lincoln, which enrolls 24,000 students. The city's history dates back thousands of years, with American Indian tribes inhabiting the area along Salt Creek before westward settlers were drawn to the abundant salt deposits. Lincoln is recognized for its thriving economy, numerous amenities, and affordability, earning it a reputation as a desirable place to live. The city has experienced a consistent population growth rate of 1% to 1.5% over the last 50 years.

About Nebraska

Nebraska, known as the "Cornhusker State," offers a blend of rural charm and urban opportunities with a strong sense of community. Its economy is deeply rooted in agriculture, particularly corn, soybeans, and cattle production, but also boasts growing sectors in manufacturing, finance, insurance, healthcare, and transportation. The cost of living in Nebraska is generally lower than the national average, primarily due to more affordable housing. The state experiences a continental climate with hot summers, cold and snowy winters, and significant seasonal temperature variations, with the eastern part being more humid and the western part semi-arid. Residents often enjoy a relaxed pace of life, friendly communities, and access to outdoor activities, though major entertainment and nightlife options are more concentrated in larger cities like Omaha and Lincoln.

303,375
Population
$72K
Avg Salary
94
Cost Index
64.5
Quality Score
How this 65/100 was calculated five components, with every reading behind them
Component Readings used Points Weight Contributes
Safety Safety score: 75 / 100 75.0 30% 22.5
Affordability Cost of living index (100 = national baseline): 94.0 51.3 25% 12.8
Economy & jobs Median household income: $71,867 Income needed to live here: $52,000 Unemployment rate: 2.6% 82.6 20% 16.5
Growth Population growth rate: 0.61% Job growth rate: 0.9% 39.1 15% 5.9
Business climate assessment Business climate assessment: 68 / 100 68.0 10% 6.8
Overall score 64.5

Provenance. These figures were produced by the research pass recorded as Gemini (Tier 1 (fast), q=91 ✓ perfect), last refreshed 25 July 2026. They are researched estimates drawn from public sources, not a licensed data feed.

Each component is scored against fixed published endpoints, so this number is comparable with any other city and does not move as the dataset grows. Scoring framework 2026.10 — full methodology, weights and accepted ranges.

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Quality Scores

Business
68
Livability
74
Affordability
65
Growth
70

Cost of Living

The cost of living in Lincoln is approximately 6% lower than the national average, primarily driven by more affordable housing and utility expenses. While groceries are slightly cheaper than the national average, healthcare and certain goods and services can be slightly higher. For instance, the average rent for a one-bedroom apartment was projected to be around $1,301 in 2025, indicating a steady increase over time. Utility costs for a standard residence, including electricity and internet, were estimated at approximately $259.72 per month in 2025.

Average Rent
$1,363/mo
Groceries
$400/mo
Transport
$1,200/mo
Utilities
$260/mo
Healthcare
$9,572/mo
Gym membership (monthly)
$67.50
Cinema ticket
$13.50
Restaurant meal (mid-range)
$50.00
Monthly groceries
$400.00
Doctor visit (without insurance)
$150.00

Salary Insights

Lincoln boasts a diverse economy with a stable economic climate, benefiting from its role as a nexus for state government and higher education. Major employers include the State of Nebraska, Lincoln Public Schools, and the University of Nebraska-Lincoln. Healthcare is another significant industry, with the city's three largest hospitals employing thousands. Manufacturing also plays a role, with companies like Kawasaki, Burlington Northern Railroad, and Duncan Aviation providing jobs for over 5,000 community members. The city also has a burgeoning startup scene. Nebraska's economy is expected to expand modestly in 2024 and 2025, with job growth concentrated in services (including business services, healthcare, and leisure and hospitality), construction, and nondurable goods manufacturing. The unemployment rate in Lincoln was 2.6% in May 2026, which was lower than the national average.

The average salary in Lincoln is $71,867 per year. You would need approximately $52,000 to live comfortably.

Top Industries

Manufacturing +0.60% Education +0.70% Healthcare +0.80% Government +0.50% Finance +0.70%

Climate

🌡️
Avg Temp
☀️
Summer High
❄️
Winter Low
🌧️
"
Annual Rain
💧
65.00%
Humidity
🌤️
Sunny Days

Transport

Getting around Lincoln is relatively efficient, with an average commute time of 19.5 minutes, which is over 7 minutes less than the national average. The majority of residents, about 81.5%, drive alone in their personal vehicles. Public transit options are available, with a monthly pass costing around $20.25 in 2025, though its reach around the city may be limited. The city has also invested in its infrastructure, with voters approving the continuation of the Lincoln on the Move initiative in 2025 to improve streets.

18 min
Avg Commute
40.00/10
Transit Score
50.00/10
Walkability
Medium
Car Dependency

Pros & Cons

Advantages
Lincoln's cost of living is approximately 6% lower than the national average, driven by more affordable housing and utilities.
The city boasts a low unemployment rate of 2.6% as of May 2026, significantly lower than the national average.
Lincoln has a shorter average commute time of 19.5 minutes, saving residents time compared to the national average.
The city is recognized for its exceptional public safety, with Part 1 crime reaching a 25-year low in 2025.
Over 40% of adults in Lincoln have a bachelor's degree, indicating a highly educated workforce.
Drawbacks
While overall cost of living is lower, healthcare costs in Lincoln are about 3% higher than the U.S. average.
Lincoln's employment and wage growth rates have been nearly identical to Omaha's, which have been slower than comparable cities.
Public transportation options, while affordable, have a limited reach around the city.
The state of Nebraska, including Lincoln, has experienced low population and labor force growth due to people relocating to other states.
Some goods and services in Lincoln are approximately 4% pricier than the national average.

Questions about Lincoln

What people ask about living in and moving to Lincoln, Nebraska.

Gathering the most common questions about Lincoln…

Frequently Asked Questions

Urblytica benchmarks its Cost of Living Index against a United States national average baseline of 100. A score of 115 means a city is approximately 15% more expensive than the national average, while a score of 85 indicates it is 15% more affordable. This composite calculation is weighted across six primary expenditure categories: housing, utilities, grocery items, transportation, healthcare, and miscellaneous goods.

Urblytica aggregates housing data from multiple authoritative sources, including Multiple Listing Service (MLS) feeds, municipal property tax registries, the U.S. Census Bureau’s American Community Survey (ACS), and verified historical deed transactions. This multi-tier aggregation ensures precision in tracking median home values and rental rates.

A municipality must meet minimum data-density thresholds—including consistent reporting population samples from the U.S. Census and active residential or commercial real estate transaction feeds—to ensure statistical significance before a complete scoring profile is published.

When primary agencies (such as the Bureau of Labor Statistics or U.S. Census Bureau) issue historical data revisions or benchmark corrections, Urblytica's data pipeline automatically re-indexes affected historical archives to maintain longitudinal trend accuracy.

U.S. affordability calculations incorporate federal income tax brackets, state-specific income tax rates, and local municipal tax variations to evaluate the true net tax drag on median household earnings across different states and cities.

Local county and municipal property tax millage rates are factored directly into the housing component of the cost-of-living index to reflect recurring annual tax burdens for homeowners.

The platform aggregates state sales taxes alongside county and city surtaxes to measure consumer basket purchasing power parity accurately across different retail jurisdictions.

Utility calculations apply regional seasonal consumption weightings, incorporating high summer air conditioning loads in southern states and heavy winter heating demands in northern states.

The index tracks average out-of-pocket healthcare expenses, routine outpatient visit costs, and regional health insurance premium benchmarks published by federal health agencies.

Educational metrics aggregate state standardized testing benchmarks, student-to-teacher ratios, high school graduation rates, and per-pupil expenditure data published by state departments of education.
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