Cost of Living in Harbine, NE

With a cost of living index of 63, Harbine, NE is one of the most affordable cities in the country. Living here is 37% cheaper than the national average and 9% below the Nebraska state average of 72. Harbine is a small community of 67 residents.

Housing costs are the biggest factor in Harbine's cost of living. The median monthly rent is $700 (47% below the US median of $1,319), and the median home value sits at $125,000 (59% below the national median of $304,900). At current prices, the median home costs roughly 1.8x the median household income — well within traditional affordability guidelines.

The median household income in Harbine is $70,781, which is 6% lower than the national median of $75,149. Residents spend roughly 12% of household income on rent. This is a comfortable ratio, well below the 30% threshold that financial experts recommend as a maximum. Lower incomes here are balanced by the significantly lower cost of living, stretching each dollar further.

Climate is another factor for anyone considering a move to Harbine. The area sees an average annual temperature of 51.5°F, with summers averaging 74°F and winters around 28°F. Annual rainfall totals 29.5 inches spread over roughly 100 days. Cold winters mean higher heating bills, an important cost-of-living consideration.

Data sources: US Census Bureau (ACS 2023), Zillow Home Values, HUD Fair Market Rents, BEA Regional Price Parities, BLS Average Prices, and NOAA Climate Normals. Updated monthly.