Florence, AL vs Biloxi, MS: Cost of Living

Which city costs less?

Biloxi, MS has a modeled overall cost index 2.3% higher than Florence, AL.

Florence, AL · modeled 2BR rent: $1,020 / month
Biloxi, MS · modeled 2BR rent: $1,075 / 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

Adjust your income and compare the budget ↓

Tap to swap

Cost of Living Comparison 2026

Compare Florence, AL and Biloxi, MS 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

Current salary in Florence, AL

Numbers update automatically as you type

Estimated extra cost: $52.53/month in Biloxi, MS

$150,000 in your current city has a modeled equivalent of $150,630 in Biloxi, MS

Regional cost estimates: Florence, AL uses Birmingham, AL. Biloxi, MS uses New Orleans, LA. Available city ZIP rent estimates are shown separately.

Overall Cost

↑ 2.3%

More expensive

Monthly Impact

$52.53

Extra cost

Annual Impact

$630

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.

Florence, AL

Population:42K

Cost Index:

89.0

100 = national average

Typical Home:$193K

Biloxi, MS

Population:48K

Cost Index:

91.1

100 = national average

Typical Home:$172K

Planning the move to Biloxi?

Organize packing, address changes, and moving-day tasks with a free checklist. Your progress saves in this browser. No account needed.

Plan my move with the free checklist

Florence, AL

The Heart of Dixie

42K

Population

State Tax

Yes

Located in Alabama, this city has a population of 42K residents.

Biloxi, MS

The Magnolia State

48K

Population

State Tax

Yes

Located in Mississippi, this city has a population of 48K residents.

Cost Breakdown by Category

Estimated monthly spending: Florence, AL vs Biloxi, MS

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.

Category	Florence, AL	Biloxi, MS	Difference	Change
Other	$1,764/mo	$1,967/mo	↑ $203more	11.5%
Housing	$2,156/mo	$2,237/mo	↑ $81.40more	3.8%
All Utilities	$600/mo	$519/mo	↓ $80.48less	13.4%
Healthcare	$570/mo	$503/mo	↓ $67.36less	11.8%
Transportation	$1,347/mo	$1,292/mo	↓ $55.13less	4.1%
Groceries	$1,063/mo	$1,035/mo	↓ $28.62less	2.7%

Other

↑ 11.5%

Florence, AL

$1,764

Biloxi, MS

$1,967

Difference

$203

Housing

↑ 3.8%

Florence, AL

$2,156

Biloxi, MS

$2,237

Difference

$81.40

All Utilities

↓ 13.4%

Florence, AL

$600

Biloxi, MS

$519

Difference

$80.48

less

Healthcare

↓ 11.8%

Florence, AL

$570

Biloxi, MS

$503

Difference

$67.36

less

Transportation

↓ 4.1%

Florence, AL

$1,347

Biloxi, MS

$1,292

Difference

$55.13

less

Groceries

↓ 2.7%

Florence, AL

$1,063

Biloxi, MS

$1,035

Difference

$28.62

less

🏠Rent Comparison

Studio

From$710

To$740

↑ $30.00

1 Bed

From$790

To$865

↑ $75.00

2 Bed

From$1,020

To$1,075

↑ $55.00

3 Bed

From$1,265

To$1,390

↑ $125

Florence, ALZIP-level data

1BR range: $770–$810/mo

Biloxi, MSZIP-level data

1BR range: $810–$920/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 Florence, AL

$7,553

Monthly in Biloxi, MS

$52.53

Difference

Home Values

Florence

Biloxi

$193K

Median Value

$172K

↓ -0.6%

YoY Change

↓ -1.6%

↑ +30.7%

5-Year Change

↑ +29%

$167K - $220K

Price Range

$147K - $198K

Homes in Biloxi are 11% less expensive than Florence

Calculate payment - Florence Calculate payment - Biloxi

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $110

Per year

Monthly Difference

$9.17

More take-home

Effective Rate Diff

0.1%

Rate difference

Florence, AL

Federal Income Tax

Effective: 18.9%

$25.5K

Alabama State Tax

Effective: 5.0%

$7.5K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 29.6%

$44.5K

Take-Home Pay

$8,794/month

$105.5K

Biloxi, 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

Additional Tax Information

Florence, AL Tax Rates

Sales Tax:9.1%

Property Tax:0.4%

Biloxi, MS Tax Rates

Sales Tax:7.1%

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

Florence

Biloxi

57 Moderate

Air Quality

41 Good

26%

Good Air Days

70.2%

98 High

Climate Risk

98 High

🌊🌡🌪

Top Hazards

🌊🌀🌡

▲+2.5°F

2050 Outlook

▲+2.2°F

41 days

Heat Days >95°F

46 days

▲+2.5°F

2050 Outlook

▲+2.2°F

41 days

Heat Days >95°F

46 days

Before moving from Florence, AL to Biloxi, MS

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

Compare actual homes. Get current quotes in Biloxi, MS for the same bedroom count and included utilities as your home in Florence, AL. Add parking, deposits, insurance and any overlapping leases. The rent estimates above are a starting point, not available listings.
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.
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.
Plan the transition. Get moving quotes and budget for travel, setup costs and time off. Open your Florence to Biloxi moving checklist to organize the tasks and timing.

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

Frequently Asked Questions: Florence, AL vs Biloxi, MS

How do the cost estimates for Florence, AL and Biloxi, MS compare?

Biloxi, MS has a modeled overall cost index 2.3% higher than Florence, AL. 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 Florence, AL, the model estimates $150,630 in Biloxi, MS. 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 Florence, AL and Biloxi, MS?

The modeled two-bedroom rents are $1,020/month in Florence, AL and $1,075/month in Biloxi, MS. 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 Alabama and Mississippi on TaxTakeHome.com