Guntersville, AL vs Commerce, GA: Cost of Living

Which city costs less?

Commerce, GA has a modeled overall cost index 11.3% higher than Guntersville, AL.

Guntersville, AL · modeled 2BR rent: $1,020 / month
Commerce, GA · modeled 2BR rent: $1,170 / 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 Guntersville, AL and Commerce, GA 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 Guntersville, AL

Numbers update automatically as you type

Estimated extra cost: $866/month in Commerce, GA

$150,000 in your current city has a modeled equivalent of $160,390 in Commerce, GA

Regional cost estimates: Guntersville, AL uses Birmingham, AL. Commerce, GA uses Atlanta, GA. Available city ZIP rent estimates are shown separately.

Overall Cost

↑ 11.3%

More expensive

Monthly Impact

$866

Extra cost

Annual Impact

$10.4K

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.

Guntersville, AL

Population:9K

Cost Index:

83.6

100 = national average

Typical Home:$289K

Commerce, GA

Population:8K

Cost Index:

93.1

100 = national average

Typical Home:$316K

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Guntersville, AL

The Heart of Dixie

Population

State Tax

Yes

Located in Alabama, this city has a population of 9K residents.

Commerce, GA

The Peach State

Population

State Tax

Yes

Located in Georgia, this city has a population of 8K residents.

Cost Breakdown by Category

Estimated monthly spending: Guntersville, AL vs Commerce, GA

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	Guntersville, AL	Commerce, GA	Difference	Change
Housing	$1,978/mo	$2,467/mo	↑ $488more	24.7%
Other	$1,799/mo	$2,010/mo	↑ $212more	11.8%
Transportation	$1,374/mo	$1,512/mo	↑ $138more	10.0%
Healthcare	$600/mo	$656/mo	↑ $56.36more	9.4%
Groceries	$1,118/mo	$1,069/mo	↓ $49.43less	4.4%
All Utilities	$631/mo	$652/mo	↑ $20.84more	3.3%

Housing

↑ 24.7%

Guntersville, AL

$1,978

Commerce, GA

$2,467

Difference

$488

Other

↑ 11.8%

Guntersville, AL

$1,799

Commerce, GA

$2,010

Difference

$212

Transportation

↑ 10.0%

Guntersville, AL

$1,374

Commerce, GA

$1,512

Difference

$138

Healthcare

↑ 9.4%

Guntersville, AL

$600

Commerce, GA

$656

Difference

$56.36

Groceries

↓ 4.4%

Guntersville, AL

$1,118

Commerce, GA

$1,069

Difference

$49.43

less

All Utilities

↑ 3.3%

Guntersville, AL

$631

Commerce, GA

$652

Difference

$20.84

🏠Rent Comparison

Studio

From$810

To$990

↑ $180

1 Bed

From$900

To$1,010

↑ $110

2 Bed

From$1,020

To$1,170

↑ $150

3 Bed

From$1,280

To$1,500

↑ $220

Guntersville, ALZIP-level data

1BR range: $900–$900/mo

Commerce, GAZIP-level data

1BR range: $1,010–$1,010/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 Guntersville, AL

$8,366

Monthly in Commerce, GA

$866

Difference

Home Values

Guntersville

Commerce

$289K

Median Value

$316K

↓ -0.7%

YoY Change

↑ +1.4%

↑ +37.6%

5-Year Change

↑ +54.3%

Homes in Commerce are 9% more expensive than Guntersville

Calculate payment - Guntersville Calculate payment - Commerce

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↓ $993

More taxes

Monthly Difference

$82.71

Less take-home

Effective Rate Diff

0.7%

Rate difference

Guntersville, 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

Commerce, GA

Federal Income Tax

Effective: 18.9%

$25.5K

Georgia State Tax

Effective: 5.6%

$8.5K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 30.3%

$45.5K

Take-Home Pay

$8,711/month

$104.5K

Additional Tax Information

Guntersville, AL Tax Rates

Sales Tax:9.1%

Property Tax:0.4%

Commerce, GA Tax Rates

Sales Tax:7.3%

Property Tax:0.9%

💡 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

Guntersville

Commerce

57 Moderate

Air Quality

50 Good

26%

Good Air Days

50.8%

98 High

Climate Risk

96 High

🌊🌡🌪

Top Hazards

🌊🌪💨

▲+2.5°F

2050 Outlook

▲+2.7°F

41 days

Heat Days >95°F

28 days

▲+2.5°F

2050 Outlook

▲+2.7°F

41 days

Heat Days >95°F

28 days

Before moving from Guntersville, AL to Commerce, GA

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

Compare actual homes. Get current quotes in Commerce, GA for the same bedroom count and included utilities as your home in Guntersville, 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 Guntersville to Commerce moving checklist to organize the tasks and timing.

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

Frequently Asked Questions: Guntersville, AL vs Commerce, GA

How do the cost estimates for Guntersville, AL and Commerce, GA compare?

Commerce, GA has a modeled overall cost index 11.3% higher than Guntersville, 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 Guntersville, AL, the model estimates $160,390 in Commerce, GA. 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 Guntersville, AL and Commerce, GA?

The modeled two-bedroom rents are $1,020/month in Guntersville, AL and $1,170/month in Commerce, GA. 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 Georgia on TaxTakeHome.com

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