Cost Of Living in Needham, AL

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24%

Overall NAT. AVG.

3%

Groceries NAT. AVG.

70%

Housing NAT. AVG.

Date & Last Updated: These cost of living estimates reflect 2026 modeled data using U.S. Census housing inputs and AI-assisted city-level pricing models.

The cost of living index is based on a national average of 100. For example, if the cost of living score is 90, then the estimated cost of living is 10% lower than the national average. If the score is 110, then the estimated cost of living is 10% higher than average. The overall index is calculated using weighted estimates across major everyday expense categories, including housing (30%), groceries (16%), transportation (12%), healthcare (10%), utilities (8%), lifestyle and entertainment (8%), household expenses (8%), and education and childcare (8%). All values are AI-assisted city-level estimates designed for directional comparisons.
Index	Needham	Alabama	National
Cost of living	76	89	100
Groceries	98	96	100
Health care	96	95	100
Housing	30	74	100
Transportation	97	95	100
Utilities	97	97	100
Lifestyle & Entertainment	90	94	100
Household Items	94	96	100
Education & Childcare	95	93	100

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Cost Of Living Quick Facts

The cost of living in Needham is 15% lower than the Alabama average
The cost of living in Needham is 24% lower than the national average
Needham housing is 70% lower than the national average
Alabama general sales tax is 22% lower than the national average
Alabama state income tax is 23% lower than the national average

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Price difference in compared to

Cost of living index
Groceries index
Health care index
Housing index
Transportation index
Utilities index
Lifestyle index
Household index
Educare index

Median Income & Debt-To-Income Ratio

Median Income	Per Year	Per Month	Max Budget (28% DTI)	Max Budget (36% DTI)
Owners	$79,379	$6,615	$1,852	$2,382
Renters	$0	$0	$0	$0

Alabama Sales Tax

State	General Sales Tax	With Max Surtax
Alabama	4%	13.5%

Alabama Income Tax

State	Income Tax (Low)	Income Tax (High)
Alabama	2%	5%

Nearby cities with low cost of living

City	Population	Cost of Living Index	National Avg.
Gilbertown, AL	618	80	19.8%
Lisman, AL	482	81	18.7%
Butler, AL	2,995	86	13.6%
Toxey, AL	129	93	7.2%
Needham, AL	86	76	24.2%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Gulkana, AK	86	118	18.0%
Blue Springs, AL	86	76	23.7%
Moccasin, AZ	86	102	1.8%
Joes, CO	86	89	11.2%
Douds, IA	86	77	22.9%
Needham, AL	86	76	24.2%