Bay Springs, MS vs Ware Shoals, SC: Cost of Living

Which city costs less?

Ware Shoals, SC has a modeled overall cost index 9.4% higher than Bay Springs, MS.

Bay Springs, MS · modeled 2BR rent
$840 / month
Ware Shoals, SC · modeled 2BR rent
$900 / 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 Bay Springs, MS and Ware Shoals, SC 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

$
Numbers update automatically as you type

Estimated extra cost: $628/month in Ware Shoals, SC

$150,000 in your current city has a modeled equivalent of $157,538 in Ware Shoals, SC

Regional cost estimates: Bay Springs, MS uses New Orleans, LA. Ware Shoals, SC uses Charlotte, NC. Available city ZIP rent estimates are shown separately.
Overall Cost
↑ 9.4%
More expensive
Monthly Impact
$628
Extra cost
Annual Impact
$7.5K
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.

Bay Springs, MS

Population:2K
Cost Index:
67.9
100 = national average
Typical Home:$130K

Ware Shoals, SC

Population:2K
Cost Index:
74.2
100 = national average
Typical Home:$137K

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Bay Springs, MS

The Magnolia State

2K
Population
State Tax
Yes

Located in Mississippi, this city has a population of 2K residents.

Ware Shoals, SC

The Palmetto State

2K
Population
State Tax
Yes

Located in South Carolina, this city has a population of 2K residents.

Cost Breakdown by Category

Estimated monthly spending: Bay Springs, MS vs Ware Shoals, SC

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.

Housing
↑ 11.8%
Bay Springs, MS
$2,130
Ware Shoals, SC
$2,381
Difference
$251
more
Healthcare
↑ 41.0%
Bay Springs, MS
$554
Ware Shoals, SC
$782
Difference
$227
more
Groceries
↑ 6.2%
Bay Springs, MS
$1,141
Ware Shoals, SC
$1,212
Difference
$70.73
more
All Utilities
↑ 11.1%
Bay Springs, MS
$572
Ware Shoals, SC
$636
Difference
$63.36
more
Transportation
↑ 4.7%
Bay Springs, MS
$1,230
Ware Shoals, SC
$1,288
Difference
$57.84
more
Other
↓ 2.3%
Bay Springs, MS
$1,872
Ware Shoals, SC
$1,830
Difference
$42.48
less

🏠Rent Comparison

Studio
From$730
To$710
↓ $20.00
1 Bed
From$760
To$710
↓ $50.00
2 Bed
From$840
To$900
↑ $60.00
3 Bed
From$1,120
To$1,110
↓ $10.00
Bay Springs, MSZIP-level data

1BR range: $760–$760/mo

Ware Shoals, SCZIP-level data

1BR range: $710–$710/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 Bay Springs, MS
$8,128
Monthly in Ware Shoals, SC
$628
Difference

Home Values

Bay Springs
Ware Shoals
$130K
Median Value
$137K
↓ -11.1%
YoY Change
↓ -7.3%
↓ -7.2%
5-Year Change
↑ +5%

Homes in Ware Shoals are 5% more expensive than Bay Springs

Calculate payment - Bay SpringsCalculate payment - Ware Shoals

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
↓ $2.6K
More taxes
Monthly Difference
$217
Less take-home
Effective Rate Diff
1.7%
Rate difference

Bay Springs, MS

Federal Income Tax
Effective: 18.9%
$25.5K
Mississippi State Tax
Effective: 4.9%
$7.3K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 29.6%
$44.4K
Take-Home Pay
$8,803/month
$105.6K

Ware Shoals, SC

Federal Income Tax
Effective: 18.9%
$25.5K
South Carolina State Tax
Effective: 6.6%
$10.0K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 31.3%
$47.0K
Take-Home Pay
$8,586/month
$103.0K

Additional Tax Information

Bay Springs, MS Tax Rates

Sales Tax:7.1%
Property Tax:0.6%

Ware Shoals, SC Tax Rates

Sales Tax:7.4%
Property Tax:0.6%

💡 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

Bay Springs
Ware Shoals
41 Good
Air Quality
51 Moderate
70.2%
Good Air Days
46.2%
98 High
Climate Risk
97 High
🌊🌀🌡
Top Hazards
🌊🌪💨
▲+2.2°F
2050 Outlook
▲+2.9°F
46 days
Heat Days >95°F
36 days
▲+2.2°F
2050 Outlook
▲+2.9°F
46 days
Heat Days >95°F
36 days

Before moving from Bay Springs, MS to Ware Shoals, SC

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

  1. Compare actual homes. Get current quotes in Ware Shoals, SC for the same bedroom count and included utilities as your home in Bay Springs, MS. 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 Bay Springs to Ware Shoals moving checklist to organize the tasks and timing.

Still choosing a destination? Explore cities similar to Ware Shoals, SC by cost, housing, population and region.

Frequently Asked Questions: Bay Springs, MS vs Ware Shoals, SC

How do the cost estimates for Bay Springs, MS and Ware Shoals, SC compare?

Ware Shoals, SC has a modeled overall cost index 9.4% higher than Bay Springs, MS. 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 Bay Springs, MS, the model estimates $157,538 in Ware Shoals, SC. 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 Bay Springs, MS and Ware Shoals, SC?

The modeled two-bedroom rents are $840/month in Bay Springs, MS and $900/month in Ware Shoals, SC. 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 Mississippi and South Carolina on TaxTakeHome.com

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