Orange Beach 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.
IndexOrange BeachAlabamaNational
Cost of living index11589100
IndexOrange BeachAlabamaNational
Goods & Services index9698100
Groceries index10398100
Health care index8885100
Housing index15471100
Transportation index9692100
Utilities index10799100
Displayed above is a general overview of the Orange Beach, AL cost of living index. The overall cost of living index in Orange Beach, AL is 115, which is 30% higher than the Alabama average and 15% higher than the national average. The cost of living index is created from the following categories: goods/services (33%), groceries (13%), health care (5%), housing (30%), transportation (9%) and utilities (10%). As you can see, goods/services and housing make up the majority of the overall cost of living index. Everyday goods and services can be a good indicator of the general cost of goods in a given city. In this case, the goods and services in Orange Beach, AL are 2% lower than the Alabama average and 5% lower than the national average.

Did you know?

  • The cost of living in Orange Beach is 30% higher than the Alabama average.
  • The cost of living in Orange Beach is 15% higher than the national average.
  • The cost of housing in Orange Beach is 54% higher 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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Goods & Services index
Groceries index
Health care index
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The salary calculator is used in order to provide a comparison of your current salary in Orange Beach, AL to another city of your choice. The calculator will inform you of what your salary needs to be in any specific city in order for you to maintain your living standard based on what the city’s cost of living is. As an example, if you are seeking to move to a city that has a higher cost of living compared to Orange Beach, AL, you would have to earn a higher income to maintain a standard of living that is similar. To get started with the Orange Beach, AL salary calculator, input the new city’s name and then move the slider to indicate your current income. The salary calculator will now process the numbers and show you whether you need to earn more or less in the chosen city. A comprehensive breakdown of the cost of living will also be shown.

Median Income & Debt-To-Income Ratio

Median IncomePer YearPer MonthMax Budget (28% DTI)Max Budget (36% DTI)
Owners$73,864$6,155$1,723$2,216
Renters$46,875$3,906$1,094$1,406
One can approximate the cost of living and the housing affordability in Orange Beach, AL by the percentage of a person’s income that he or she spends on the monthly housing, otherwise known as the debt-to-income ratio (DTI). To stay on the safe side and keep one’s head above the water, a consumer should never spend more than 28 percent of his or her gross income on housing-related expenses and costs and not more than 36 percent of income on all expenses and debts. Homeowners in Orange Beach, AL have a median income of $73,864. Therefore, the amount that a consumer should spend on housing costs should be no more than $1,723 per month to avoid calamity and poverty. The renters in the city have an income of about $46,875, which would make their monthly maximum allowable rental costs $1,094.

Alabama Sales Tax

StateGeneral Sales TaxWith Max Surtax
Alabama4%10%

Alabama Income Tax

StateIncome Tax (Low)Income Tax (High)
Alabama2%5%
For those who live in Orange Beach, 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

ItemOrange BeachNational avg.Difference
Haircut $13.38$14.598.3%
Beauty Salon $33.88$34.682.3%
Toothpaste $3.04$2.4722.9%
Shampoo $1.04$1.021.8%
Movie $9.75$9.871.2%
Bowling $4.02$4.398.5%

Groceries

ItemOrange BeachNational avg.Difference
Ground Beef $3.83$4.4814.4%
Fried Chicken $1.47$1.460.4%
Milk $2.61$2.3610.7%
Potatoes $3.72$3.0621.5%
Pizza $8.00$9.2413.4%
Beer $8.82$8.632.2%

Health Care

ItemOrange BeachNational avg.Difference
Optometrist $94.50$99.785.3%
Doctor $78.60$105.0325.2%
Dentist $79.40$88.7010.5%
Ibuprofen $9.84$9.414.5%
Lipitor $273.56$298.508.4%

Housing

ItemOrange BeachNational avg.Difference
Home Price $295,700.00$181,400.0063.0%
Avg. Mortgage Payment $832.83$1,081.0323.0%
Apartment Rent $1,189.00$889.0033.7%

Transportation

ItemOrange BeachNational avg.Difference
Gasoline $1.92$2.098.2%
Tire Balancing $47.96$45.295.9%

Utilities

ItemOrange BeachNational avg.Difference
All Electricity$188.02$170.8010.1%
Phone $29.01$28.262.7%
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.
Elberta, AL1,71387-13%
Foley, AL14,60395-5%
Gulf Shores, AL9,67199-1%
Magnolia Springs, AL8671044%
Perdido Beach, AL6341055%
Orange Beach, AL5,42411515%

Cities with similar population

City, StatePopulationCost of Living IndexNational Avg.
Rio Pinar, FL5,42311515%
Ballston Spa, NY5,4261088%
Worland, WY5,42688-12%
Eureka, IL5,42191-9%
Hingham, MA5,42717979%
Orange Beach, AL5,42411515%
Source: The Orange Beach, AL cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for the fourth quarter of 2015.