Shell Rock, IA vs Sutherland, NE: Cost of Living

Which city costs less?

Sutherland, NE has a modeled overall cost index 20.2% lower than Shell Rock, IA.

Shell Rock, IA · modeled 2BR rent
$1,020 / month
Sutherland, NE · modeled 2BR rent
$1,040 / month

These are saved estimates, not current rental listings. Some cities use adjusted regional data. Your household budget can differ from the overall index. Sources and assumptions

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Cost of Living Comparison 2026

Compare Shell Rock, IA and Sutherland, NE using saved regional data and explicit budgeting assumptions. Rent estimates are not live listings. Change the salary below, then check the source notes before applying a result to your household.

Saved regional estimates · Sources and assumptions

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Numbers update automatically as you type

Estimated savings: $1,102/month in Sutherland, NE

$150,000 in your current city has a modeled equivalent of $136,774 in Sutherland, NE

Regional cost estimates: Shell Rock, IA uses Des Moines, IA. Sutherland, NE uses Denver, CO. Available city ZIP rent estimates are shown separately.
Overall Cost
↓ 20.2%
Less expensive
Monthly Impact
$1,102
Savings
Annual Impact
$13.2K
Per year

Assumes 60% of current gross income goes to living costs. The headline uses the category budget below; taxes, moving costs and savings goals are excluded.

Shell Rock, IA

Population:1K
Cost Index:
77.1
100 = national average
Typical Home:$218K

Sutherland, NE

Population:1K
Cost Index:
61.5
100 = national average
Typical Home:$217K

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Shell Rock, IA

The Hawkeye State

1K
Population
State Tax
Yes

Located in Iowa, this city has a population of 1K residents.

Sutherland, NE

The Cornhusker State

1K
Population
State Tax
Yes

Located in Nebraska, this city has a population of 1K residents.

Cost Breakdown by Category

Estimated monthly spending: Shell Rock, IA vs Sutherland, NE

Assumes 60% of your current gross income is spent on these categories. The headline and totals use this same budget. Rent estimates below are separate reference data. Rounded amounts may differ by $1.

Other
↓ 27.9%
Shell Rock, IA
$1,735
Sutherland, NE
$1,251
Difference
$484
less
Transportation
↓ 23.2%
Shell Rock, IA
$1,342
Sutherland, NE
$1,030
Difference
$311
less
Healthcare
↓ 25.1%
Shell Rock, IA
$795
Sutherland, NE
$596
Difference
$199
less
Groceries
↓ 8.5%
Shell Rock, IA
$1,061
Sutherland, NE
$970
Difference
$90.44
less
All Utilities
↓ 10.7%
Shell Rock, IA
$548
Sutherland, NE
$489
Difference
$58.79
less
Housing
↑ 2.0%
Shell Rock, IA
$2,020
Sutherland, NE
$2,061
Difference
$41.39
more

🏠Rent Comparison

Studio
From$740
To$780
↑ $40.00
1 Bed
From$780
To$790
↑ $10.00
2 Bed
From$1,020
To$1,040
↑ $20.00
3 Bed
From$1,260
To$1,250
↓ $10.00
Shell Rock, IAZIP-level data

1BR range: $780–$780/mo

Sutherland, NEZIP-level data

1BR range: $790–$790/mo

💡 Note: HUD Fair Market Rents estimate 40th-percentile gross rents, including most tenant-paid utilities. City ZIP summaries are medians of those estimates, not market median rents. Actual prices vary by neighborhood, amenities, and condition. Source: HUD Small Area Fair Market Rents FY2026.

$7,500
Monthly in Shell Rock, IA
$6,398
Monthly in Sutherland, NE
$1,102
Difference

Home Values

Shell Rock
Sutherland
$218K
Median Value
$217K
↑ +3.6%
YoY Change
↑ +2.6%
↑ +35%
5-Year Change
↑ +34.9%

Homes in Sutherland are 1% less expensive than Shell Rock

Calculate payment - Shell RockCalculate payment - Sutherland

Source: Zillow Home Value Index (ZHVI), January 2026

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
↑ $1.4K
Per year
Monthly Difference
$114
More take-home
Effective Rate Diff
0.9%
Rate difference

Shell Rock, IA

Federal Income Tax
Effective: 18.9%
$25.5K
Iowa State Tax
Effective: 7.1%
$10.7K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 31.8%
$47.7K
Take-Home Pay
$8,524/month
$102.3K

Sutherland, NE

Federal Income Tax
Effective: 18.9%
$25.5K
Nebraska State Tax
Effective: 6.2%
$9.3K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 30.9%
$46.3K
Take-Home Pay
$8,638/month
$103.7K

Additional Tax Information

Shell Rock, IA Tax Rates

Sales Tax:7.4%
Property Tax:1.5%

Sutherland, NE Tax Rates

Sales Tax:7.0%
Property Tax:1.8%

💡 Note: Tax calculations are estimates based on 2024/2025 tax brackets for single filers with standard deduction. Actual taxes may vary based on filing status, deductions, credits, and local variations.

Environment

Shell Rock
Sutherland
45 Good
Air Quality
55 Moderate
67.5%
Good Air Days
35.2%
92 Moderate
Climate Risk
95 High
🌡☀🌪
Top Hazards
🌊🌪💨
▲+3.4°F
2050 Outlook
▲+3.3°F
25 days
Heat Days >95°F
28 days
▲+3.4°F
2050 Outlook
▲+3.3°F
25 days
Heat Days >95°F
28 days

Before moving from Shell Rock, IA to Sutherland, NE

Use this comparison to shortlist a move, then check the costs that depend on your household.

  1. Compare actual homes. Get current quotes in Sutherland, NE for the same bedroom count and included utilities as your home in Shell Rock, IA. Add parking, deposits, insurance and any overlapping leases. The rent estimates above are a starting point, not available listings.
  2. Confirm your income. Check your expected pay with your employer, including any location adjustment. Use “Different salary at destination?” above to compare two incomes. The budget model excludes taxes and one-time moving costs; it is not a take-home-pay calculation.
  3. Price your daily routine. Check the commute from a specific address to work, school or childcare. Add household expenses missing from this model, such as childcare, debt payments and medical needs. Verify local services before signing a lease.
  4. Plan the transition. Get moving quotes and budget for travel, setup costs and time off. Open your Shell Rock to Sutherland moving checklist to organize the tasks and timing.

Still choosing a destination? Explore cities similar to Sutherland, NE by cost, housing, population and region.

Frequently Asked Questions: Shell Rock, IA vs Sutherland, NE

How do the cost estimates for Shell Rock, IA and Sutherland, NE compare?

Sutherland, NE has a modeled overall cost index 20.2% lower than Shell Rock, IA. This is a broad model comparison, not a survey of today's prices or a forecast of your household spending. Some cities use adjusted regional fallback data.

What does the equivalent salary mean?

At a $150,000 salary in Shell Rock, IA, the model estimates $136,774 in Sutherland, NE. It allocates 60% of gross income to the origin city’s category budget and applies each destination category’s relative cost. The equivalent salary adds the total category difference to your income. The monthly difference is the same category difference divided by 12; it is not take-home pay or guaranteed savings. Household size, childcare and your actual lease are not inputs to this calculation.

What rent estimates are available for Shell Rock, IA and Sutherland, NE?

The modeled two-bedroom rents are $1,020/month in Shell Rock, IA and $1,040/month in Sutherland, NE. Where available, the source is a city median of HUD FY2026 ZIP-level estimates; otherwise a saved metro table is used. City adjustments may also apply. These are not asking rents or available listings. Compare actual properties with the same bedroom count and included utilities.

How should I use this comparison before moving?

Use it to shortlist locations, then replace modeled costs with a current housing quote, employer-confirmed income, commute costs, insurance and your household's other expenses. Add one-time moving costs separately. Source years differ and the saved datasets are not a live price feed. Read the methodology for the formulas and fallback rules.

💰 See how taxes change too — compare take-home pay between Iowa and Nebraska on TaxTakeHome.com

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