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Living in Mississippi · 2026

Is $32,000 enough to live in Mississippi?

Single adult · MS · 2026 tax brackets · Real cost-of-living data

Statewide verdict:Manageable

Monthly take-home

$2,193

Avg monthly expenses

$1,829

Avg monthly surplus

$364

Savings potential

~17%

After-tax take-home in Mississippi

Gross salary$32,000
Federal income tax− $1,734
State income tax− $1,504
Social Security− $1,984
Medicare− $464
Annual take-home$26,314
Effective tax rate17.77%

How $32,000 feels in Mississippi cities

Rent: HUD FMR 2026 · Food: USDA Low-Cost Plan × COL · Transport/Utilities/Healthcare: BLS CES × COL

Jackson

COL index: 0.83× national avg

Manageable
Rent (1BR)
$900
Food
$365
Transport
$145
Utilities
$137
Healthcare
$166
Total: $1,713/mo
Surplus: $480/mo
Rent burden: 41.0% — High (35–50%)
Full Jackson analysis →

Gulfport

COL index: 0.88× national avg

Manageable
Rent (1BR)
$1,000
Food
$387
Transport
$154
Utilities
$145
Healthcare
$176
Total: $1,862/mo
Surplus: $331/mo
Rent burden: 45.6% — High (35–50%)
Full Gulfport analysis →

Southaven

COL index: 0.91× national avg

Manageable
Rent (1BR)
$1,050
Food
$396
Transport
$159
Utilities
$150
Healthcare
$182
Total: $1,937/mo
Surplus: $256/mo
Rent burden: 47.9% — High (35–50%)
Full Southaven analysis →

Hattiesburg

COL index: 0.85× national avg

Manageable
Rent (1BR)
$950
Food
$378
Transport
$149
Utilities
$140
Healthcare
$170
Total: $1,787/mo
Surplus: $406/mo
Rent burden: 43.3% — High (35–50%)
Full Hattiesburg analysis →

Biloxi

COL index: 0.91× national avg

Manageable
Rent (1BR)
$1,050
Food
$387
Transport
$159
Utilities
$150
Healthcare
$182
Total: $1,928/mo
Surplus: $265/mo
Rent burden: 47.9% — High (35–50%)
Full Biloxi analysis →

Meridian

COL index: 0.80× national avg

Manageable
Rent (1BR)
$850
Food
$466
Transport
$140
Utilities
$132
Healthcare
$160
Total: $1,748/mo
Surplus: $445/mo
Rent burden: 38.8% — High (35–50%)
Full Meridian analysis →

50 / 30 / 20 Budget Planner

Based on your monthly take-home of $2,193 ($26,316/yr)

Needs 50%Wants 30%Savings 20%
Needs50%

$1,097

per month

  • ›Rent / mortgage
  • ›Groceries
  • ›Utilities
  • ›Insurance
  • ›Minimum debt payments
  • ›Transportation
Wants30%

$658

per month

  • ›Dining out
  • ›Streaming services
  • ›Gym
  • ›Hobbies
  • ›Travel
  • ›Shopping
Savings20%

$439

per month

  • ›Emergency fund
  • ›401(k) / IRA
  • ›Investments
  • ›Down payment fund
  • ›Debt payoff (extra)

Needs / year

$13,158

Wants / year

$7,895

Savings / year

$5,263

Salary Intelligence

Below comfortable level in Jackson

Rent would consume 41% of take-home income — above the 35% stress threshold. A higher salary or lower-cost housing is needed for financial stability in this city.

Lifestyle score: 5.8/10 (Good)

Lifestyle Assessment

A $32,000 salary comfortably supports a good single lifestyle in Jackson, Mississippi, with approximately $480/month (~22% of take-home) available for savings — meeting or exceeding the recommended 20% savings rate.

Purchasing Power

Due to Jackson's low cost of living (index: 0.83), $32,000 here has the purchasing power of roughly $71,325 in San Francisco or $75,181 in New York City. Your dollar goes significantly further here.

State & National Benchmark

$32,000 is slightly above the Mississippi individual median of $31,100 (+3%). The state household median is $52,985.

State individual median

$31,100

+3%

State household median

$52,985

-40%

Tax reduction strategies

Maximize 401(k) Contributions — Up to $5,170 in federal tax (22% bracket)
Contribute to a Traditional IRA — Up to $1,540 in federal tax (22% bracket)

$32,000 vs. Mississippi income benchmarks

Individual median (Mississippi)

$31,100

+3% vs. this salary

Household median (Mississippi)

$52,985

-40% vs. this salary

Source: US Census Bureau ACS 2023

Related salary insights

Explore other salary levels in Mississippi

$40,000$60,000$100,000$150,000$200,000$300,000
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Reviewed by

Finance Editor

CPA, 10+ years in personal finance

Data Sources

Data updated monthly using government datasets.