Swainsboro 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.
Cost of living index7894100
Goods & Services index9199100
Groceries index9199100
Health care index8399100
Housing index4887100
Transportation index8493100
Utilities index9995100
Here we can see a simple outline of the cost of living in Swainsboro, GA. As you can see, with the average cost of living in Swainsboro, GA being 78, that puts it 18% lower than the average of Georgia and 22% lower than our nation's average. This simple outline of the cost of living index was formulated using prices of: goods and services (weighted 33%), housing prices (weighted 30%), groceries (weighted 13%), utilities (weighted 10%), transportation (weighted 9%), and health care (weighted 5%). Thus, goods/services, along with housing influences the majority of the cost of living index. The price of daily goods and services is a valuable and reliable number to be aware of when considering the general price of the city's goods. In the case of Swainsboro, GA, the price of goods and services are 7% lower than the average of Georgia as well as 9% lower than the nation's average.

Did you know?

  • The cost of living in Swainsboro is 18% lower than the Georgia average.
  • The cost of living in Swainsboro is 22% lower than the national average.
  • The cost of housing in Swainsboro is 52% lower than the national average.
  • Georgia general sales tax is 21% lower than the national average.
  • Georgia state income tax is 55% lower than the national average.

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Compare Swainsboro, GA Cost of living To Other Cities

Salary Calculator

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Health care index
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Use the salary calculator to compare your current income in Swainsboro, GA to any other city in the country. The calculator will tell you how much income you would need to make in a particular city to live at the same level based on the cost of living in each city. For example, if the cost of living in the city you are looking to move to is higher than that of Swainsboro, GA, then you would need to earn a higher salary in order to enjoy the same standard of living. To use the Swainsboro, GA salary calculator, enter the name of the new city, then move the slider to your current salary level. The salary calculator will do the rest and let you know if your salary would need to increase or decrease for the new city. You will also see a complete overview of the cost of living.

Median Income & Debt-To-Income Ratio

Median IncomePer YearPer MonthMax Budget (28% DTI)Max Budget (36% DTI)
One can approximate the cost of living and the housing affordability in Swainsboro, GA 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 Swainsboro, GA have a median income of $39,050. Therefore, the amount that a consumer should spend on housing costs should be no more than $911 per month to avoid calamity and poverty. The renters in the city have an income of about $19,984, which would make their monthly maximum allowable rental costs $466.

Georgia Sales Tax

StateGeneral Sales TaxWith Max Surtax

Georgia Income Tax

StateIncome Tax (Low)Income Tax (High)
One thing to keep in mind when considering the cost of living in Swainsboro, GA is the Georgia sales tax and Georgia 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 Georgia sales tax rate is 4% and the maximum surtax that can be charged is 8%. 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 Georgia income tax rates range from 1% to 6%.

Goods & Services

ItemSwainsboroNational avg.Difference
Haircut $16.46$15.565.8%
Beauty Salon $33.50$36.117.2%
Toothpaste $1.80$2.4727.3%
Shampoo $0.95$0.961.9%
Movie $10.50$10.133.7%
Bowling $5.20$4.749.9%


ItemSwainsboroNational avg.Difference
Ground Beef $3.93$3.981.4%
Fried Chicken $1.18$1.4116.5%
Milk $1.89$2.068.6%
Potatoes $3.05$2.982.3%
Pizza $7.20$9.4724.0%
Beer $8.90$8.791.2%

Health Care

ItemSwainsboroNational avg.Difference
Optometrist $78.67$101.0422.1%
Doctor $72.83$107.4432.2%
Dentist $74.50$90.4217.6%
Ibuprofen $8.66$9.286.6%
Lipitor $420.28$426.501.5%


ItemSwainsboroNational avg.Difference
Home Price $67,000.00$175,700.0061.9%
Avg. Mortgage Payment $839.43$1,133.2325.9%
Apartment Rent $640.00$920.0030.4%


ItemSwainsboroNational avg.Difference
Gasoline $1.82$1.998.8%
Tire Balancing $30.55$45.7633.2%


ItemSwainsboroNational avg.Difference
All Electricity$159.63$163.812.6%
Phone $28.72$28.391.2%
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.
Norristown, GA7791-9%
Canoochee, GA9373-27%
Stillmore, GA59673-27%
Adrian, GA53274-26%
Summertown, GA23774-26%
Swainsboro, GA7,43178-22%

Cities with similar population

City, StatePopulationCost of Living IndexNational Avg.
Robinwood, MD7,4311099%
Fairlawn, OH7,43097-3%
Mentor-on-the-Lake, OH7,43096-4%
Middleborough Center, MA7,43212222%
New Prague, MN7,4341066%
Swainsboro, GA7,43178-22%
Source: The Swainsboro, GA cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for the fourth quarter of 2016.