Muscle Shoals 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.
IndexMuscle ShoalsAlabamaNational
Cost of living index8989100
IndexMuscle ShoalsAlabamaNational
Goods & Services index9898100
Groceries index9498100
Health care index8385100
Housing index7373100
Transportation index9292100
Utilities index10199100
The above illustration supplies generalized information for the Muscle Shoals, AL cost of living index. Compared to other cities in Alabama and cities across the country, the cost of living index in Muscle Shoals, AL is 89, which is equal to the Alabama average and 11% 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 Muscle Shoals, AL are equal to the average for Alabama and 2% lower than the rest of the country.

Did you know?

  • The cost of living in Muscle Shoals is equal to the Alabama average.
  • The cost of living in Muscle Shoals is 11% lower than the national average.
  • The cost of housing in Muscle Shoals 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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Compare Muscle Shoals, AL Cost of living To Other Cities

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
The salary calculator is meant to help you compare your salary in Muscle Shoals, AL to your potential earning power in another city. This can help you deduce what your salary would need to be in any given city in order for you to live the same lifestyle that you do in your current city. In other words, if you plan on moving to a city where the cost of living is higher than in Muscle Shoals, AL, you'll have to make more money in the new city in order to maintain the lifestyle you currently enjoy. To use the Muscle Shoals, AL salary calculator, simply input the new city, then move the adjustable slider to match your current income. Once you've selected your income, the calculator will determine if that income is sufficient to support your standard of living in the new city you entered. The calculator will also supply you with a rundown of living costs in the new city.

Median Income & Debt-To-Income Ratio

Median IncomePer YearPer MonthMax Budget (28% DTI)Max Budget (36% DTI)
How much of your monthly income goes to housing can tell you whether or not you can afford housing in Muscle Shoals, AL, as well as what the average cost of living is. Generally, a good rule to follow is that the debt-to-income (DTI) level you want to maintain is 28 percent or less of your income on your rent or mortgage payment and not more than 36 percent of income on all expenses and debts. In Muscle Shoals, AL homeowners have a median income of $59,363. Using that number, you will come up with a maximum of $1,385 per month that can be spent on the cost of housing. For those who are renting instead of owning, the median income is $30,000, which means there is a maximum of $700 to be spent on the costs of renting a home or apartment.

Alabama Sales Tax

StateGeneral Sales TaxWith Max Surtax

Alabama Income Tax

StateIncome Tax (Low)Income Tax (High)
One thing to keep in mind when considering the cost of living in Muscle Shoals, AL is the Alabama sales tax and Alabama income tax rates. Sales taxes are taxes that are collected on most goods or services sold. Sales taxes can vary by state and can be as high as 7% and as low as 0% as not every state imposes a sales tax. The Alabama sales tax rate is 4% and the maximum surtax that can be charged is 10%. Income tax is the tax imposed on income by both the federal and state government. The income tax rates varies by individual state and will also be higher or lower depending on the applicable tax bracket. The rates of state income tax can vary from 0% to more than 9%. The Alabama income tax rates range from 2% to 5%.

Goods & Services

ItemMuscle ShoalsNational avg.Difference
Haircut $13.40$14.598.2%
Beauty Salon $30.00$34.6813.5%
Toothpaste $2.29$2.477.4%
Shampoo $0.93$1.029.0%
Movie $10.50$9.876.4%
Bowling $4.50$4.392.5%


ItemMuscle ShoalsNational avg.Difference
Ground Beef $4.40$4.481.7%
Fried Chicken $1.21$1.4617.4%
Milk $2.19$2.367.1%
Potatoes $2.66$3.0613.1%
Pizza $8.49$9.248.1%
Beer $7.95$8.637.9%

Health Care

ItemMuscle ShoalsNational avg.Difference
Optometrist $75.00$99.7824.8%
Doctor $71.75$105.0331.7%
Dentist $72.00$88.7018.8%
Ibuprofen $8.48$9.419.9%
Lipitor $302.08$298.501.2%


ItemMuscle ShoalsNational avg.Difference
Home Price $128,300.00$175,700.0027.0%
Avg. Mortgage Payment $895.76$1,081.0317.1%
Apartment Rent $672.00$920.0027.0%


ItemMuscle ShoalsNational avg.Difference
Gasoline $1.99$2.094.7%
Tire Balancing $37.60$45.2917.0%


ItemMuscle ShoalsNational avg.Difference
All Electricity$160.21$170.806.2%
Phone $31.58$28.2611.8%
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.
Hatton, AL17377-23%
Town Creek, AL94080-20%
Leighton, AL80482-18%
Lexington, AL66383-17%
Sheffield, AL9,06784-16%
Muscle Shoals, AL13,38089-11%

Cities with similar population

City, StatePopulationCost of Living IndexNational Avg.
South Charleston, WV13,38088-12%
Bedford, IN13,38486-14%
South Sioux City, NE13,37585-15%
Warrensville Heights, OH13,38791-9%
Circleville, OH13,39588-12%
Muscle Shoals, AL13,38089-11%
Source: The Muscle Shoals, AL cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for the fourth quarter of 2015.