Marianna, FL vs Mount Sterling, KY: Cost of Living

Which city costs less?

Marianna, FL and Mount Sterling, KY have about the same overall cost index in our saved model.

Marianna, FL · modeled 2BR rent
$1,110 / month
Mount Sterling, KY · modeled 2BR rent
$1,050 / 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 Marianna, FL and Mount Sterling, KY 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 savings: $287/month in Mount Sterling, KY

$150,000 in your current city has a modeled equivalent of $146,554 in Mount Sterling, KY

Regional cost estimates: Marianna, FL uses Columbus, GA. Mount Sterling, KY uses Lexington, KY. Available city ZIP rent estimates are shown separately.
Overall Cost
↓ 0.0%
Less expensive
Monthly Impact
$287
Savings
Annual Impact
$3.4K
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.

Marianna, FL

Population:7K
Cost Index:
85.2
100 = national average
Typical Home:$205K

Mount Sterling, KY

Population:8K
Cost Index:
85.2
100 = national average
Typical Home:$222K

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Marianna, FL

The Sunshine State

7K
Population
State Tax
No Income Tax

Located in Florida, this city has a population of 7K residents.

💡 Advantage: Florida has no state income tax!

Mount Sterling, KY

The Bluegrass State

8K
Population
State Tax
Yes

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

Cost Breakdown by Category

Estimated monthly spending: Marianna, FL vs Mount Sterling, KY

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.

Transportation
↓ 21.5%
Marianna, FL
$1,590
Mount Sterling, KY
$1,248
Difference
$341
less
Housing
↑ 13.8%
Marianna, FL
$1,900
Mount Sterling, KY
$2,161
Difference
$261
more
All Utilities
↓ 23.2%
Marianna, FL
$648
Mount Sterling, KY
$498
Difference
$150
less
Other
↓ 2.5%
Marianna, FL
$1,728
Mount Sterling, KY
$1,684
Difference
$43.02
less
Groceries
↓ 3.3%
Marianna, FL
$1,064
Mount Sterling, KY
$1,029
Difference
$35.00
less
Healthcare
↑ 3.7%
Marianna, FL
$570
Mount Sterling, KY
$591
Difference
$21.11
more

🏠Rent Comparison

Studio
From$765
To$720
↓ $45.00
1 Bed
From$850
To$890
↑ $40.00
2 Bed
From$1,110
To$1,050
↓ $60.00
3 Bed
From$1,460
To$1,430
↓ $30.00
Marianna, FLZIP-level data

1BR range: $820–$880/mo

Mount Sterling, KYZIP-level data

1BR range: $890–$890/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 Marianna, FL
$7,213
Monthly in Mount Sterling, KY
$287
Difference

Home Values

Marianna
Mount Sterling
$205K
Median Value
$222K
↓ -1.7%
YoY Change
↑ +4.6%
↑ +32.2%
5-Year Change
↑ +42.2%

Homes in Mount Sterling are 8% more expensive than Marianna

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
↓ $7.5K
More taxes
Monthly Difference
$625
Less take-home
Effective Rate Diff
5.0%
Rate difference

Marianna, FL

Federal Income Tax
Effective: 18.9%
$25.5K
Florida State Tax
No state income tax
$0
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 24.7%
$37.0K
Take-Home Pay
$9,416/month
$113.0K

Mount Sterling, KY

Federal Income Tax
Effective: 18.9%
$25.5K
Kentucky State Tax
Effective: 5.0%
$7.5K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 29.7%
$44.5K
Take-Home Pay
$8,791/month
$105.5K

Additional Tax Information

Marianna, FL Tax Rates

Sales Tax:7.2%
Property Tax:0.8%

Mount Sterling, KY Tax Rates

Sales Tax:6.0%
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

Marianna
Mount Sterling
49 Good
Air Quality
41 Good
52.7%
Good Air Days
79.2%
82 Moderate
Climate Risk
92 Moderate
None
Top Hazards
🌪💨
▲+2.8°F
2050 Outlook
▲+3.0°F
64 days
Heat Days >95°F
21 days
▲+2.8°F
2050 Outlook
▲+3.0°F
64 days
Heat Days >95°F
21 days

Before moving from Marianna, FL to Mount Sterling, KY

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

  1. Compare actual homes. Get current quotes in Mount Sterling, KY for the same bedroom count and included utilities as your home in Marianna, FL. 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 Marianna to Mount Sterling moving checklist to organize the tasks and timing.

Still choosing a destination? Explore cities similar to Mount Sterling, KY by cost, housing, population and region.

Frequently Asked Questions: Marianna, FL vs Mount Sterling, KY

How do the cost estimates for Marianna, FL and Mount Sterling, KY compare?

Marianna, FL and Mount Sterling, KY have about the same overall cost index in our saved model. 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 Marianna, FL, the model estimates $146,554 in Mount Sterling, KY. 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 Marianna, FL and Mount Sterling, KY?

The modeled two-bedroom rents are $1,110/month in Marianna, FL and $1,050/month in Mount Sterling, KY. 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 Florida and Kentucky on TaxTakeHome.com

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