Pearl, MS vs Horn Lake, MS: Cost of Living

Which city costs less?

Horn Lake, MS has a modeled overall cost index 7.5% lower than Pearl, MS.

Pearl, MS · modeled 2BR rent
$1,350 / month
Horn Lake, MS · modeled 2BR rent
$1,400 / 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 Horn Lake, 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

$
Numbers update automatically as you type

Estimated savings: $421/month in Horn Lake, MS

$150,000 in your current city has a modeled equivalent of $144,942 in Horn Lake, MS

Regional cost estimates: Pearl, MS uses Baton Rouge, LA. Horn Lake, MS uses Memphis, TN. Available city ZIP rent estimates are shown separately.
Overall Cost
↓ 7.5%
Less expensive
Monthly Impact
$421
Savings
Annual Impact
$5.1K
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

Horn Lake, MS

Population:26K
Cost Index:
80.1
100 = national average
Typical Home:$198K

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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.

Horn Lake, MS

The Magnolia State

26K
Population
State Tax
Yes

Located in Mississippi, this city has a population of 26K residents.

Cost Breakdown by Category

Estimated monthly spending: Pearl, MS vs Horn Lake, 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.

Housing
↓ 15.2%
Pearl, MS
$2,086
Horn Lake, MS
$1,769
Difference
$318
less
Other
↓ 6.8%
Pearl, MS
$1,912
Horn Lake, MS
$1,783
Difference
$129
less
Healthcare
↑ 10.7%
Pearl, MS
$525
Horn Lake, MS
$581
Difference
$56.00
more
Groceries
↓ 4.1%
Pearl, MS
$1,081
Horn Lake, MS
$1,037
Difference
$44.50
less
All Utilities
↑ 7.8%
Pearl, MS
$543
Horn Lake, MS
$585
Difference
$42.52
more
Transportation
↓ 2.1%
Pearl, MS
$1,352
Horn Lake, MS
$1,324
Difference
$28.40
less

🏠Rent Comparison

Studio
From$1,140
To$1,170
↑ $30.00
1 Bed
From$1,150
To$1,270
↑ $120
2 Bed
From$1,350
To$1,400
↑ $50.00
3 Bed
From$1,620
To$1,850
↑ $230
Pearl, MSZIP-level data

1BR range: $1,150–$1,150/mo

Horn Lake, MSZIP-level data

1BR range: $1,270–$1,270/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
$7,079
Monthly in Horn Lake, MS
$421
Difference

Home Values

Pearl
Horn Lake
$209K
Median Value
$198K
↑ +3.3%
YoY Change
↓ -0.4%
↑ +34.7%
5-Year Change
↑ +33.2%

Homes in Horn Lake are 6% less expensive than Pearl

Calculate payment - PearlCalculate payment - Horn Lake

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
→ $0
Same taxes
Monthly Difference
$0
Same take-home
Effective Rate Diff
0.0%
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

Horn Lake, 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

Pearl, MS Tax Rates

Sales Tax:7.1%
Property Tax:0.6%

Horn Lake, 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

Pearl
Horn Lake
51 Moderate
Air Quality
55 Moderate
48.9%
Good Air Days
34.4%
98 High
Climate Risk
99 High
🌊🌀🌡
Top Hazards
🌊🌡🫨
▲+2.2°F
2050 Outlook
▲+2.8°F
51 days
Heat Days >95°F
54 days
▲+2.2°F
2050 Outlook
▲+2.8°F
51 days
Heat Days >95°F
54 days

Before moving from Pearl, MS to Horn Lake, MS

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

  1. Compare actual homes. Get current quotes in Horn Lake, MS 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 Horn Lake moving checklist to organize the tasks and timing.

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

Frequently Asked Questions: Pearl, MS vs Horn Lake, MS

How do the cost estimates for Pearl, MS and Horn Lake, MS compare?

Horn Lake, MS has a modeled overall cost index 7.5% lower 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 $144,942 in Horn Lake, 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 Pearl, MS and Horn Lake, MS?

The modeled two-bedroom rents are $1,350/month in Pearl, MS and $1,400/month in Horn Lake, 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.

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