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How much can reefer owner-operators earn in Nebraska (NE)? Estimated rates, gross and net monthly income, cost of living impact, fuel costs, and top lanes in the Midwest region.
Rate Per Mile
$2.99
+6.8% vs national
Est. Gross Monthly
$26,910
+13.1% vs national
Est. Net Monthly
$16,722
After COL-adjusted expenses
| Metric | Nebraska | National Avg | Diff |
|---|---|---|---|
| Rate/Mile | $2.99 | $2.80 | +6.8% |
| Gross Monthly | $26,910 | $23,800 | +13.1% |
| Est. Net Monthly | $16,722 | $15,470 | +8.1% |
| Cost of Living | 99 (Average) | 100 (Baseline) | -1% |
| Fuel Tax | 24.8c/gal | ~32c/gal | Below avg |
Nebraska's below-average cost of living (index 99) is a genuine advantage for reefer owner-operators. Your $2.99/mile rate stretches further here — fuel, food, housing, and operating costs are all lower than the national baseline. This makes NE one of the better states for net take-home pay.
| Category | Est. Monthly | % of Gross |
|---|---|---|
| Fuel | $4,795 | 17.8% |
| Insurance | $1,076 | 4.0% |
| Truck Payment / Lease | $1,800 | 6.7% |
| Maintenance & Repairs | $1,076 | 4.0% |
| Tires | $300 | 1.1% |
| Permits & Licenses | $149 | 0.6% |
| Food & Living | $792 | 2.9% |
| Phone / Software | $200 | 0.7% |
| Total Expenses | $10,188 | 37.9% |
| Net Take-Home | $16,722 | 62.1% |
Expenses adjusted for Nebraska's cost of living index (99). Actual costs vary by individual circumstances.
Nebraska's fuel tax of 24.8 cents/gallon is below the national average (~32c), giving reefer carriers a fuel cost advantage. At 5-6 MPG, this saves approximately $108/month compared to higher-tax states. Combined with moderate freight volume, NE offers solid margin potential.
| State | Rate/Mile | Gross/Mo | Fuel Tax |
|---|---|---|---|
| Nebraska (NE) | $2.99 | $26,910 | 24.8c |
| Illinois (IL) | $3.11 | $27,990 | 46.7c |
| Indiana (IN) | $3.05 | $27,450 | 33.0c |
| Iowa (IA) | $2.80 | $25,200 | 30.0c |
| Kansas (KS) | $2.79 | $25,110 | 24.0c |
A good dispatch service can boost your per-mile rate by $0.15-$0.40 through better load negotiation, reduced deadhead, and detention pay recovery.