Rayne, LA vs Holly Springs, MS: Cost of Living

Which city costs less?

Holly Springs, MS has a modeled overall cost index 6.6% lower than Rayne, LA.

Rayne, LA · modeled 2BR rent
$950 / month
Holly Springs, MS · 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 Rayne, LA and Holly Springs, 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: $362/month in Holly Springs, MS

$150,000 in your current city has a modeled equivalent of $145,655 in Holly Springs, MS

Regional cost estimates: Rayne, LA uses Baton Rouge, LA. Holly Springs, MS uses Memphis, TN. Available city ZIP rent estimates are shown separately.
Overall Cost
↓ 6.6%
Less expensive
Monthly Impact
$362
Savings
Annual Impact
$4.3K
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.

Rayne, LA

Population:7K
Cost Index:
82.8
100 = national average
Typical Home:$166K

Holly Springs, MS

Population:7K
Cost Index:
77.4
100 = national average
Typical Home:$165K

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Rayne, LA

The Pelican State

7K
Population
State Tax
Yes

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

Holly Springs, MS

The Magnolia State

7K
Population
State Tax
Yes

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

Cost Breakdown by Category

Estimated monthly spending: Rayne, LA vs Holly Springs, 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
↓ 14.4%
Rayne, LA
$2,073
Holly Springs, MS
$1,774
Difference
$299
less
Other
↓ 5.9%
Rayne, LA
$1,900
Holly Springs, MS
$1,788
Difference
$112
less
Healthcare
↑ 11.2%
Rayne, LA
$534
Holly Springs, MS
$593
Difference
$59.63
more
All Utilities
↑ 8.3%
Rayne, LA
$551
Holly Springs, MS
$597
Difference
$45.95
more
Groceries
↓ 3.7%
Rayne, LA
$1,098
Holly Springs, MS
$1,058
Difference
$40.30
less
Transportation
↓ 1.2%
Rayne, LA
$1,344
Holly Springs, MS
$1,328
Difference
$15.96
less

🏠Rent Comparison

Studio
From$670
To$800
↑ $130
1 Bed
From$840
To$810
↓ $30.00
2 Bed
From$950
To$1,050
↑ $100
3 Bed
From$1,190
To$1,270
↑ $80.00
Rayne, LAZIP-level data

1BR range: $840–$840/mo

Holly Springs, MSZIP-level data

1BR range: $810–$810/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 Rayne, LA
$7,138
Monthly in Holly Springs, MS
$362
Difference

Home Values

Rayne
Holly Springs
$166K
Median Value
$165K
↑ +1.6%
YoY Change
↑ +0.2%
↑ +9.3%
5-Year Change
↑ +12%

Homes in Holly Springs are 1% less expensive than Rayne

Calculate payment - RayneCalculate payment - Holly Springs

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
↑ $400
Per year
Monthly Difference
$33.33
More take-home
Effective Rate Diff
0.3%
Rate difference

Rayne, LA

Federal Income Tax
Effective: 18.9%
$25.5K
Louisiana State Tax
Effective: 5.2%
$7.8K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 29.8%
$44.8K
Take-Home Pay
$8,770/month
$105.2K

Holly Springs, 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

Rayne, LA Tax Rates

Sales Tax:9.6%
Property Tax:0.5%

Holly Springs, 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

Rayne
Holly Springs
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 Rayne, LA to Holly Springs, 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 Holly Springs, MS for the same bedroom count and included utilities as your home in Rayne, LA. 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 Rayne to Holly Springs moving checklist to organize the tasks and timing.

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

Frequently Asked Questions: Rayne, LA vs Holly Springs, MS

How do the cost estimates for Rayne, LA and Holly Springs, MS compare?

Holly Springs, MS has a modeled overall cost index 6.6% lower than Rayne, LA. 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 Rayne, LA, the model estimates $145,655 in Holly Springs, 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 Rayne, LA and Holly Springs, MS?

The modeled two-bedroom rents are $950/month in Rayne, LA and $1,050/month in Holly Springs, 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 Louisiana and Mississippi on TaxTakeHome.com

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