Fort Payne cost of living index

In the event that the cost of living data was unavailable for this city, estimates based upon nearby cities were used. Each cost of living index is based on a national average of 100. If the amount is below 100, it is lower than the national average. If the amount is above 100, it is higher than the national average.
IndexFort PayneAlabamaNational
Cost of living index8489100
IndexFort PayneAlabamaNational
Goods & Services index9798100
Groceries index9598100
Health care index10385100
Housing index5673100
Transportation index9792100
Utilities index9299100
The above illustration supplies generalized information for the Fort Payne, AL cost of living index. Compared to other cities in Alabama and cities across the country, the cost of living index in Fort Payne, AL is 84, which is 6% lower than the Alabama average and 16% lower than that for the entire country. The index is comprised of the following criteria: cost of retail goods and services (33%), groceries (13%), health care (5%), housing (30%), cost of public/private transportation (9%) and utilities (10%). Everyday goods and services, along with housing account for 63 percent of the total cost of living index. Goods and services that are a necessity regardless of location provide an accurate general sense of the cost of living in one city versus another. As seen above, the cost of retail goods and services in Fort Payne, AL are equal to the average for Alabama and 3% lower than the rest of the country.

Did you know?

  • The cost of living in Fort Payne is 6% lower than the Alabama average.
  • The cost of living in Fort Payne is 16% lower than the national average.
  • The cost of housing in Fort Payne is 44% lower than the national average.
  • Alabama general sales tax is 21% lower than the national average.
  • Alabama state income tax is 10% lower than the national average.

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Salary Calculator

This is how much you would need to earn in
Price difference in compared to
Cost of living index
Goods & Services index
Groceries index
Health care index
Housing index
Transportation index
Utilities index
Using the salary calculator lets you compare the salary you earn in Fort Payne, AL to what it is in other cities. It will let you know what your earnings would have to be in another city to have the same standard of living, as determined by the cost of living in each city. For example, if the cost of living in the area you want to move to is higher than the cost of living in Fort Payne, AL, you have to earn a higher income in order to still have the same standard of living. To operate the Fort Payne, AL salary calculator, put in the name of the other city, then move the slider to the point that represents the current income. The salary calculator will take care of the rest and tell you how much more or less you must earn in the new city. A Total breakdown of the cost of living is also provided.

Median Income & Debt-To-Income Ratio

Median IncomePer YearPer MonthMax Budget (28% DTI)Max Budget (36% DTI)
A good way to judge both the affordability of the housing and the cost of living is by simply calculating the maximum that a person should spend on housing in Fort Payne, AL, otherwise known as the debt-to-income ratio (DTI). The safest way to live in the city is to avoid spending more than 28 percent of the gross income that one earns on costs that pertain to housing and no more than 36 percent on all expenses and debts. Fort Payne, AL has a median income of about $44,932 for people who own homes. Based on that number, a person should spend a maximum of $1,048 on expenses related to housing. Renters have a slightly different median income, which is $25,344. Based on this average, renters should spend no more than $591 on all of their rental costs if they want to maintain a non-impoverished standard of living.

Alabama Sales Tax

StateGeneral Sales TaxWith Max Surtax

Alabama Income Tax

StateIncome Tax (Low)Income Tax (High)
For those who live in Fort Payne, AL and want to know what the true cost of living is, they ought to look at both the Alabama income tax rate and the Alabama sales tax rate. By sales tax, we mean the taxes that are included whenever a person is purchasing any goods or services. The amount that is taxed depends upon the particular state, where some states have a sales tax of zero percent while others can have a tax higher than seven percent. In Alabama, the sales tax is 4%, while the most you'll pay in surtax is 10%. There is also income tax to consider, which is based upon the amount of money made in a year. Just like sales tax, income tax depends upon the particular state but also depends upon what tax bracket the person is in. Income tax for the state can be higher than nine percent in some states to zero percent in others. For those that live in Alabama, the income tax rate ranges between 2% to 5%.

Goods & Services

ItemFort PayneNational avg.Difference
Haircut $14.40$14.591.3%
Beauty Salon $45.00$34.6829.8%
Toothpaste $2.69$2.478.8%
Shampoo $0.92$1.0210.0%
Movie $10.00$9.871.3%
Bowling $4.99$4.3913.6%


ItemFort PayneNational avg.Difference
Ground Beef $4.34$4.483.1%
Fried Chicken $1.32$1.469.8%
Milk $2.70$2.3614.6%
Potatoes $2.87$3.066.3%
Pizza $8.99$9.242.7%
Beer $8.28$8.634.1%

Health Care

ItemFort PayneNational avg.Difference
Optometrist $99.00$99.780.8%
Doctor $116.25$105.0310.7%
Dentist $85.00$88.704.2%
Ibuprofen $9.58$9.411.8%
Lipitor $319.29$298.507.0%


ItemFort PayneNational avg.Difference
Home Price $96,800.00$175,700.0044.9%
Avg. Mortgage Payment $979.87$1,081.039.4%
Apartment Rent $534.00$920.0042.0%


ItemFort PayneNational avg.Difference
Gasoline $1.96$2.096.3%
Tire Balancing $48.00$45.296.0%


ItemFort PayneNational avg.Difference
All Electricity$139.01$170.8018.6%
Phone $30.13$28.266.6%
Although the cost of living data is updated regularly, this cost of living information is to be used as estimates only as prices can change on an ongoing basis.

Nearby cities with low cost of living

City, StatePopulationCost of Living IndexNational Avg.
Broomtown, AL10473-27%
Collinsville, AL1,99178-22%
Pine Ridge, AL18980-20%
Gaylesville, AL15380-20%
Valley Head, AL64282-18%
Fort Payne, AL14,11584-16%

Cities with similar population

City, StatePopulationCost of Living IndexNational Avg.
Chubbuck, ID14,11789-11%
Hickory Hills, IL14,1171099%
Kerman, CA14,1101044%
Sault Ste. Marie, MI14,12185-15%
Dentsville, SC14,12293-7%
Fort Payne, AL14,11584-16%
Source: The Fort Payne, AL cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for the fourth quarter of 2015.