Des Moines vs Lincoln
Cost of Living Comparison · 2026
Des Moines
Lincoln
The Verdict
Des Moines is 4.3% less expensive than Lincoln overall. A household earning $75,000 in Des Moines would need approximately $78,371 in Lincoln to maintain the same standard of living.
Category-by-Category Breakdown
Index values · National average = 100 · Lower is more affordable
Salary Equivalence
A $75,000 salary in Des Moines has the same purchasing power as $78,371 in Lincoln.
Conversely, $75,000 in Lincoln equals $71,774 in Des Moines.
Living in Des Moines vs Lincoln
Housing Costs
Des Moines's housing index of 74 is lower Lincoln's 77, translating to median home prices of $210,000 vs $264,000. The $54,000 difference in home prices means roughly $3,516 per year in additional mortgage costs at current rates. Renters face a similar gap: $1,100/mo in Des Moines compared to $1,075/mo in Lincoln, a monthly difference of $25.
Grocery & Food Costs
Grocery expenses index at 96 in Des Moines and 98 in Lincoln. A household spending the national average of $475/month on groceries would pay approximately $456/month in Des Moines vs $466/month in Lincoln. The difference in grocery costs between these cities is relatively minor and unlikely to be a deciding factor in relocation.
Utility Expenses
Utility costs — electricity, gas, water, internet — index at 93 in Des Moines and 93 in Lincoln. Monthly utility bills average approximately $372 in Des Moines vs $372 in Lincoln. Utility costs are relatively comparable between these two cities.
Healthcare
Healthcare costs index at 97 in Des Moines and 102 in Lincoln. This encompasses insurance premiums, doctor visit copays, dental care, and prescription costs. Healthcare costs are relatively similar between these two cities, though individual plan costs can still vary.
Income & Purchasing Power
Median household income is $55,958 in Des Moines and $71,900 in Lincoln. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $62,874 and $77,312 respectively. Lincoln residents come out ahead in real purchasing power.
Relocation Considerations
Under the standard 28% rule, a median-income household can allocate $1,306/month to housing in Des Moines vs $1,678/month in Lincoln. In Des Moines, median rent of $1,100/mo fits within this budget. In Lincoln, median rent of $1,075/mo remains manageable. The biggest category-level difference between these two cities is Healthcare, where the gap is 5 index points — focus your budget analysis there.
Frequently Asked Questions
Moving & Relocation Resources
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