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.
The above illustration supplies generalized information for the Gardendale, AL cost of living index. Compared to other cities in Alabama and cities across the country, the cost of living index in Gardendale, AL is 92, which is 3% higher than the Alabama average and 8% 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 Gardendale, AL are 5% lower than the average for Alabama and 8% lower than the rest of the country.
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Did you know?
The cost of living in Gardendale is 3% higher than the Alabama average.
The cost of living in Gardendale is 8% lower than the national average.
The cost of housing in Gardendale is 12% 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.
Compare Gardendale, AL Cost of living To Other Cities
This is how much you would need to earn in Price difference in compared to
Cost of living index
Goods & Services index
Health care index
Use the salary calculator to compare your current income in Gardendale, AL 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 Gardendale, AL, then you would need to earn a higher salary in order to enjoy the same standard of living. To use the Gardendale, AL 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
Max Budget (28% DTI)
Max Budget (36% DTI)
The percent of monthly income spent on housing can be a good indicator of the affordability of housing in Gardendale, AL as well as the overall cost of living. As a general rule of thumb, the debt-to-income ratio (DTI) for homeowners or renters should be not more than 28 percent of gross income to be spent on housing related costs and not more than 36 percent of income on all expenses, including debts. The median income for Gardendale, AL homeowners, is $66,782. This would allow for a maximum of $1,558 per month to be spent on housing costs. For renters, the median monthly income is $31,397 which would result in a maximum of $733 to be spent on rental costs.
Alabama Sales Tax
General Sales Tax
With Max Surtax
Alabama Income Tax
Income Tax (Low)
Income Tax (High)
The Alabama sales tax and Alabama income tax rates should definitely be considered when determining the overall cost of living in Gardendale, AL. Sales taxes are taxes that are imposed onto goods and services sold. Sales taxes do vary by state and can range from no tax at all to upwards of 7%. The Alabama sales tax is 4% and the maximum surtax is 13.5%. Income tax is the tax imposed on income by the government. The income tax rates will vary by state and will also increase or decrease depending on the corresponding tax bracket. State income tax rates can range from anywhere from no tax at all to more than 9%. The Alabama income tax rates range from 2% to 5%.
Goods & Services
Avg. Mortgage Payment
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.