Headland 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.
IndexHeadlandAlabamaNational
Cost of living index8589100
IndexHeadlandAlabamaNational
Goods & Services index8798100
Groceries index10198100
Health care index8485100
Housing index7373100
Transportation index9392100
Utilities index8799100
An overview of the general cost of living index for Headland, AL is displayed above for your reference. Residents in Headland, AL enjoy a cost of living index of 85. This index is 5% lower than the Alabama average, and 15% lower than the national average. The following categories are used when determining the cost of living index for any given city: health care (5%), transportation (9%), utilities (10%), groceries (13%), housing (30%), and goods/services (33%). Clearly, housing and goods/services make up the majority of the formula for calculating the cost of living index. Because of this, the general cost of living for any given area can be estimated by looking at the cost of everyday goods in that area. For those living in Headland, AL, the average cost of goods and services is 11% lower than it is in Alabama, and it is 13% lower than the national average.

Did you know?

  • The cost of living in Headland is 5% lower than the Alabama average.
  • The cost of living in Headland is 15% lower than the national average.
  • The cost of housing in Headland is 27% 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

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Use the salary calculator to compare your current salary in Headland, AL to any other city. The salary calculator will tell you how much you would need to earn in any given city to maintain the same standard of living based on the cost of living in each city. For example, if the cost of living in the city you are looking to relocate to is higher than the cost of living in Headland, AL, then you would need to earn more income in order to maintain the same standard of living. To use the Headland, AL salary calculator, simply enter in the name of the new city, then adjust the slider to your current income. The salary calculator will do the rest and let you know if you need to earn more or less in the new city. You will also see a complete breakdown of the cost of living.

Median Income & Debt-To-Income Ratio

Median IncomePer YearPer MonthMax Budget (28% DTI)Max Budget (36% DTI)
Owners$57,802$4,817$1,349$1,734
Renters$28,324$2,360$661$850
If you want to find a good determining factor for the cost of living and the general affordability of housing in Headland, AL, all you must look at is the percentage of monthly income that should be spent on housing expenses, otherwise known as the debt-to-income ratio (DTI). Generally speaking, no more than 28 percent of your total gross income should be spent on your housing expenses and not more than 36 percent of your gross income on total expenses, including debts. In Headland, AL, the median monthly income is $57,802 for those who own their own homes. Under the standard rule, that income level would allow for $1,349 to be budgeted for housing expenses each month, at the most. Renters, on the other hand, earn about $28,324, per the median income in the area. That would allow for renters to spend up to $661 on monthly rental expenses.

Alabama Sales Tax

StateGeneral Sales TaxWith Max Surtax
Alabama4%10%

Alabama Income Tax

StateIncome Tax (Low)Income Tax (High)
Alabama2%5%
When considering the overall cost of living expenses in Headland, AL, it's important to take into account the sales tax for Alabama, as well as the rate for income tax in Alabama. Goods and services sold to consumers in any state have some form of sales tax. Each state has its own tax code, which means that sales tax rates vary from state to state, ranging from over 7% in some states to as low as 0% in others. The maximum surtax for Alabama is 10%, and the sales tax in the state of Alabama is 4%. Alternatively, the tax imposed on your income by the state government is known as income tax. The rate for this tax also varies from state to state, and your rate is affected by your tax bracket, which is determined by your level of income. Income tax rates might be as high as 9%, down to as low as 0%. The range for income tax rates in Alabama starts from 2% and goes up to 5%.

Goods & Services

ItemHeadlandNational avg.Difference
Haircut $12.33$14.5915.5%
Beauty Salon $19.07$34.6845.0%
Toothpaste $2.32$2.476.2%
Shampoo $0.95$1.027.0%
Movie $9.88$9.870.1%
Bowling $3.00$4.3931.7%

Groceries

ItemHeadlandNational avg.Difference
Ground Beef $4.99$4.4811.5%
Fried Chicken $1.42$1.463.0%
Milk $2.68$2.3613.7%
Potatoes $3.32$3.068.4%
Pizza $8.00$9.2413.4%
Beer $7.95$8.637.9%

Health Care

ItemHeadlandNational avg.Difference
Optometrist $69.00$99.7830.8%
Doctor $70.00$105.0333.4%
Dentist $72.50$88.7018.3%
Ibuprofen $10.15$9.417.8%
Lipitor $308.57$298.503.4%

Housing

ItemHeadlandNational avg.Difference
Home Price $135,800.00$175,700.0022.7%
Avg. Mortgage Payment $877.13$1,081.0318.9%
Apartment Rent $571.00$920.0037.9%

Transportation

ItemHeadlandNational avg.Difference
Gasoline $1.99$2.094.7%
Tire Balancing $39.99$45.2911.7%

Utilities

ItemHeadlandNational avg.Difference
All Electricity$145.28$170.8014.9%
Phone $25.55$28.269.6%
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.
Napier Field, AL39575-25%
Newville, AL42976-24%
Columbia, AL78077-23%
Grimes, AL52177-23%
Abbeville, AL2,65477-23%
Headland, AL4,63785-15%

Cities with similar population

City, StatePopulationCost of Living IndexNational Avg.
Sullivan, IL4,63783-17%
Marlow, OK4,63580-20%
Sunbury, OH4,63995-5%
Rock Hill, MO4,635100-0%
Lake Darby, OH4,63993-7%
Headland, AL4,63785-15%
Source: The Headland, AL cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for the fourth quarter of 2015.