West Point, MS vs Mayfield, KY: Cost of Living

Which city costs less?

Mayfield, KY has a modeled overall cost index 9.9% higher than West Point, MS.

West Point, MS · modeled 2BR rent
$850 / month
Mayfield, KY · modeled 2BR rent
$970 / 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 West Point, MS and Mayfield, 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: $772/month in Mayfield, KY

$150,000 in your current city has a modeled equivalent of $159,266 in Mayfield, KY

Regional cost estimates: West Point, MS uses Birmingham, AL. Mayfield, KY uses Nashville, TN. Available city ZIP rent estimates are shown separately.
Overall Cost
↑ 9.9%
More expensive
Monthly Impact
$772
Extra cost
Annual Impact
$9.3K
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.

West Point, MS

Population:10K
Cost Index:
76.4
100 = national average
Typical Home:$143K

Mayfield, KY

Population:10K
Cost Index:
84.0
100 = national average
Typical Home:$152K

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West Point, MS

The Magnolia State

10K
Population
State Tax
Yes

Located in Mississippi, this city has a population of 10K residents.

Mayfield, KY

The Bluegrass State

10K
Population
State Tax
Yes

Located in Kentucky, this city has a population of 10K residents.

Cost Breakdown by Category

Estimated monthly spending: West Point, MS vs Mayfield, 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
↑ 27.9%
West Point, MS
$1,950
Mayfield, KY
$2,495
Difference
$544
more
Other
↑ 14.5%
West Point, MS
$1,773
Mayfield, KY
$2,031
Difference
$258
more
Healthcare
↑ 13.7%
West Point, MS
$618
Mayfield, KY
$703
Difference
$84.97
more
Groceries
↓ 4.7%
West Point, MS
$1,153
Mayfield, KY
$1,099
Difference
$53.85
less
All Utilities
↓ 7.6%
West Point, MS
$650
Mayfield, KY
$601
Difference
$49.15
less
Transportation
↓ 0.9%
West Point, MS
$1,355
Mayfield, KY
$1,343
Difference
$11.78
less

🏠Rent Comparison

Studio
From$730
To$690
↓ $40.00
1 Bed
From$760
To$740
↓ $20.00
2 Bed
From$850
To$970
↑ $120
3 Bed
From$1,170
To$1,210
↑ $40.00
West Point, MSZIP-level data

1BR range: $760–$760/mo

Mayfield, KYZIP-level data

1BR range: $740–$740/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 West Point, MS
$8,272
Monthly in Mayfield, KY
$772
Difference

Home Values

West Point
Mayfield
$143K
Median Value
$152K
↓ -6.5%
YoY Change
↑ +4.9%
↑ +13.9%
5-Year Change
↑ +48%

Homes in Mayfield are 6% more expensive than West Point

Calculate payment - West PointCalculate payment - Mayfield

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

West Point, 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

Mayfield, 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

West Point, MS Tax Rates

Sales Tax:7.1%
Property Tax:0.6%

Mayfield, 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

West Point
Mayfield
57 Moderate
Air Quality
50 Good
26%
Good Air Days
51.6%
98 High
Climate Risk
97 High
🌊🌡🌪
Top Hazards
🌊🫨🌪
▲+2.5°F
2050 Outlook
▲+2.8°F
41 days
Heat Days >95°F
42 days
▲+2.5°F
2050 Outlook
▲+2.8°F
41 days
Heat Days >95°F
42 days

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

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

Frequently Asked Questions: West Point, MS vs Mayfield, KY

How do the cost estimates for West Point, MS and Mayfield, KY compare?

Mayfield, KY has a modeled overall cost index 9.9% higher than West Point, 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 West Point, MS, the model estimates $159,266 in Mayfield, 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 West Point, MS and Mayfield, KY?

The modeled two-bedroom rents are $850/month in West Point, MS and $970/month in Mayfield, 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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