Pearl, MS vs Hopkinsville, KY: Cost of Living

Which city costs less?

Hopkinsville, KY has a modeled overall cost index 5.0% higher than Pearl, MS.

Pearl, MS · modeled 2BR rent
$1,350 / month
Hopkinsville, KY · modeled 2BR rent
$1,190 / 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 Pearl, MS and Hopkinsville, 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 extra cost: $394/month in Hopkinsville, KY

$150,000 in your current city has a modeled equivalent of $154,722 in Hopkinsville, KY

Regional cost estimates: Pearl, MS uses Baton Rouge, LA. Hopkinsville, KY uses Nashville, TN. Available city ZIP rent estimates are shown separately.
Overall Cost
↑ 5.0%
More expensive
Monthly Impact
$394
Extra cost
Annual Impact
$4.7K
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.

Pearl, MS

Population:28K
Cost Index:
86.5
100 = national average
Typical Home:$209K

Hopkinsville, KY

Population:31K
Cost Index:
90.9
100 = national average
Typical Home:$190K

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Pearl, MS

The Magnolia State

28K
Population
State Tax
Yes

Located in Mississippi, this city has a population of 28K residents.

Hopkinsville, KY

The Bluegrass State

31K
Population
State Tax
Yes

Located in Kentucky, this city has a population of 31K residents.

Cost Breakdown by Category

Estimated monthly spending: Pearl, MS vs Hopkinsville, 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.

Housing
↑ 15.4%
Pearl, MS
$2,086
Hopkinsville, KY
$2,408
Difference
$321
more
Healthcare
↑ 24.2%
Pearl, MS
$525
Hopkinsville, KY
$652
Difference
$127
more
Groceries
↓ 5.7%
Pearl, MS
$1,081
Hopkinsville, KY
$1,020
Difference
$61.29
less
Transportation
↓ 4.2%
Pearl, MS
$1,352
Hopkinsville, KY
$1,296
Difference
$56.41
less
Other
↑ 2.5%
Pearl, MS
$1,912
Hopkinsville, KY
$1,960
Difference
$47.60
more
All Utilities
↑ 2.8%
Pearl, MS
$543
Hopkinsville, KY
$558
Difference
$15.25
more

🏛️ Local Income Taxes

Hopkinsville, KY: Hopkinsville Occupational Tax$2,250/yr (1.5%)

Pearl, MS has no local income tax recorded in this dataset.

Local taxes are shown separately and are not included in the living-cost totals. Coverage is incomplete; an absent entry does not establish that no tax applies.

🏠Rent Comparison

Studio
From$1,140
To$960
↓ $180
1 Bed
From$1,150
To$970
↓ $180
2 Bed
From$1,350
To$1,190
↓ $160
3 Bed
From$1,620
To$1,650
↑ $30.00
Pearl, MSZIP-level data

1BR range: $1,150–$1,150/mo

Hopkinsville, KYZIP-level data

1BR range: $970–$970/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 Pearl, MS
$7,894
Monthly in Hopkinsville, KY
$394
Difference

Home Values

Pearl
Hopkinsville
$209K
Median Value
$190K
↑ +3.3%
YoY Change
↑ +3.1%
↑ +34.7%
5-Year Change
↑ +54.1%

Homes in Hopkinsville are 9% less expensive than Pearl

Calculate payment - PearlCalculate payment - Hopkinsville

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
↓ $150
More taxes
Monthly Difference
$12.50
Less take-home
Effective Rate Diff
0.1%
Rate difference

Pearl, 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

Hopkinsville, 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

Pearl, MS Tax Rates

Sales Tax:7.1%
Property Tax:0.6%

Hopkinsville, 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

Pearl
Hopkinsville
51 Moderate
Air Quality
50 Good
48.9%
Good Air Days
51.6%
98 High
Climate Risk
97 High
🌊🌀🌡
Top Hazards
🌊🫨🌪
▲+2.2°F
2050 Outlook
▲+2.8°F
51 days
Heat Days >95°F
42 days
▲+2.2°F
2050 Outlook
▲+2.8°F
51 days
Heat Days >95°F
42 days

Before moving from Pearl, MS to Hopkinsville, 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 Hopkinsville, KY for the same bedroom count and included utilities as your home in Pearl, 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 Pearl to Hopkinsville moving checklist to organize the tasks and timing.

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

Frequently Asked Questions: Pearl, MS vs Hopkinsville, KY

How do the cost estimates for Pearl, MS and Hopkinsville, KY compare?

Hopkinsville, KY has a modeled overall cost index 5.0% higher than Pearl, 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 Pearl, MS, the model estimates $154,722 in Hopkinsville, 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 Pearl, MS and Hopkinsville, KY?

The modeled two-bedroom rents are $1,350/month in Pearl, MS and $1,190/month in Hopkinsville, 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 Mississippi and Kentucky on TaxTakeHome.com

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