Salary Guide · 2026
Mississippi Salary Guide (2026)
This guide explains how salaries are taxed in Mississippi, what take-home pay looks like at different income levels, and how cost of living affects real purchasing power across major cities.
Mississippi Income Snapshot
Individual median income
$31,100
-44% vs US median
Household median income
$52,985
US Census ACS 2023
Median take-home (annual)
$25,633
Eff. rate: 17.58%
Median monthly take-home
$2,136
Single filer, 2026
Income Tax Structure in Mississippi
Tax system: Flat state income tax (4.7%, phasing to 4%)
Mississippi has a flat income tax currently phasing down. With the lowest cost of living in the country, even moderate incomes can support a comfortable lifestyle here.
Take-Home Pay at Popular Salary Levels
Single filer · Standard deduction · MS state tax · 2026 IRS brackets
| Gross salary | Federal tax | State tax | FICA | Take-home | Monthly | Eff. rate |
|---|---|---|---|---|---|---|
| $45,000 | $3,294 | $2,115 | $3,443 | $36,148 | $3,012 | 19.67% |
| $65,000 | $5,694 | $3,055 | $4,973 | $51,278 | $4,273 | 21.11% |
| $90,000 | $11,154 | $4,230 | $6,885 | $67,731 | $5,644 | 24.74% |
| $135,000 | $21,314 | $6,345 | $10,328 | $97,013 | $8,084 | 28.14% |
Take-home as % of gross
Housing Affordability in Mississippi Cities
Based on $90,000 salary · Rent: HUD FMR 2026 · COL: C2ER/ACCRA
Gulfport
COL: 0.88× · 1BR rent: $1,000/mo
Rent burden: 17.7% of take-home
Is $90,000 enough in Gulfport? →Southaven
COL: 0.91× · 1BR rent: $1,050/mo
Rent burden: 18.6% of take-home
Is $90,000 enough in Southaven? →Hattiesburg
COL: 0.85× · 1BR rent: $950/mo
Rent burden: 16.8% of take-home
Is $90,000 enough in Hattiesburg? →Meridian
COL: 0.80× · 1BR rent: $850/mo
Rent burden: 15.1% of take-home
Is $90,000 enough in Meridian? →Popular Salary Guides for Mississippi
Is This Salary Enough in Mississippi?
Frequently Asked Questions
Is $100,000 a good salary in Mississippi?
A $100,000 salary in Mississippi yields approximately $74,296 per year ($6,191/month) after federal and state taxes. In most Mississippi cities, this is above the state individual median of $31,100 — generally a comfortable income.
How much state income tax do you pay in Mississippi?
Mississippi has Flat state income tax (4.7%, phasing to 4%). For a $65,000 salary, the estimated state income tax is $3,055. Your effective rate depends on your income level, filing status, and deductions.
What salary is considered middle class in Mississippi?
The individual median income in Mississippi is $31,100 and the household median is $52,985 (Census ACS 2023). Middle-class income typically ranges from 67%–200% of the household median, roughly $35,500–$105,970 for a family.
Data Sources
- •Tax calculations: IRS federal tax tables
- •Payroll taxes: Social Security Administration
- •Salary data: Bureau of Labor Statistics
- •Rent data: HUD Fair Market Rents
Data updated monthly using government datasets.