Overall 13%
Goods & Services 7%
Housing 27%
Date & Last Updated: This data reflects 2020 and was released from C2ER in January, 2021; this is the most current data available.
The cost of living index is based on a national average of 100. For example, if the cost of living is 90, then it is 10% lower than average. If the cost of living is 110, then it is 10% higher than average. The breakdown for each index is as follows: goods & services (33%), groceries (13%), health care (5%), housing (30%), transportation (9%) and utilities (10%). If the cost of living data was unavailable for this city, estimates based upon nearby cities were used.
IndexMuscle ShoalsAlabamaNational
Cost of living8789100
Goods & Services9397100
Health care7991100

Key findings

  • The cost of living in Muscle Shoals is 3% lower than the Alabama average
  • The cost of living in Muscle Shoals is 13% lower than the national average
  • Muscle Shoals housing is 27% lower than the national average
  • Alabama general sales tax is 21% lower than the national average
  • Alabama state income tax is 19% lower than the national average

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Compare Muscle Shoals, AL Cost of Living

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      Salary Calculator

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      Price difference in compared to
      Cost of living index
      Goods & Services index
      Groceries index
      Health care index
      Housing index
      Transportation index
      Utilities index

      Median Income & Debt-To-Income Ratio

      Median IncomePer YearPer MonthMax Budget (28% DTI)Max Budget (36% DTI)
      The percentage of monthly income spent on housing related expenses can help predict the affordability of housing in Muscle Shoals, AL, as well as what the overall cost of living might be. 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 payments and not more than 36 percent of income on all expenses and debts. In Muscle Shoals, homeowners have a median income of $61,176. Using that number, a maximum of $1,427 per month should be allocated to housing expenses. For those who are renting instead of owning, the median income is $28,720, which means there is a maximum of $670 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)

      Goods & Services

      ItemMuscle ShoalsNational avg.Difference
      Haircut $14.55$18.6221.9%
      Beauty Salon $36.68$39.056.1%
      Toothpaste $1.90$2.3418.8%
      Shampoo $1.20$1.0613.9%
      Movie $13.69$10.6828.1%
      Bowling $15.00$14.672.2%


      ItemMuscle ShoalsNational avg.Difference
      Ground Beef $2.93$4.2230.5%
      Fried Chicken $1.52$1.399.7%
      Milk $1.63$2.0520.3%
      Potatoes $2.94$3.2910.6%
      Pizza $9.64$10.629.3%
      Beer $9.55$9.381.8%

      Health Care

      ItemMuscle ShoalsNational avg.Difference
      Optometrist $75.63$108.5730.3%
      Doctor $71.33$116.1738.6%
      Dentist $79.20$99.1320.1%
      Ibuprofen $9.15$9.685.4%
      Lipitor $474.31$466.921.6%


      ItemMuscle ShoalsNational avg.Difference
      Home Price $135,000.00$184,700.0026.9%
      Avg. Mortgage Payment $892.13$1,197.4225.5%
      Apartment Rent $692.00$949.0027.1%


      ItemMuscle ShoalsNational avg.Difference
      Gasoline $2.04$2.228.5%
      Tire Balancing $46.47$50.077.2%


      ItemMuscle ShoalsNational avg.Difference
      All Electricity$160.98$167.674.0%
      Phone $181.81$175.643.5%
      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.
      Leighton, AL93477-23%
      Town Creek, AL1,00478-22%
      Hatton, AL9080-20%
      Lexington, AL68381-19%
      Sheffield, AL9,06781-19%
      Muscle Shoals, AL13,58587-13%

      Cities with similar population

      City, StatePopulationCost of Living IndexNational Avg.
      Riviera Beach, MD13,58611717%
      Newington, VA13,58314242%
      Henderson, TX13,58786-14%
      Palos Verdes Estates, CA13,582291191%
      East Wenatchee, WA13,5891066%
      Muscle Shoals, AL13,58587-13%
      Source: The Muscle Shoals, AL cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for 2020.