Cost Of Living in Phil Campbell, AL

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20%

Overall NAT. AVG.

5%

Groceries NAT. AVG.

54%

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	Phil Campbell	Alabama	National
Cost of living	80	89	100
Groceries	95	96	100
Health care	97	95	100
Housing	46	74	100
Transportation	98	95	100
Utilities	96	97	100
Lifestyle & Entertainment	94	94	100
Household Items	95	96	100
Education & Childcare	91	93	100

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Homes For Sale In Phil Campbell, AL

6188 Gravel Hill Rd

Phil Campbell, AL

196 Brown St

Phil Campbell, AL

1898 Highway 237

Phil Campbell, AL

1406 Pike Ave

Phil Campbell, AL

Cost Of Living Quick Facts

The cost of living in Phil Campbell is 9% lower than the Alabama average
The cost of living in Phil Campbell is 20% lower than the national average
Phil Campbell housing is 54% 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	$58,520	$4,877	$1,365	$1,756
Renters	$29,849	$2,487	$696	$896

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.
Spruce Pine, AL	76	95	4.6%
Belgreen, AL	28	95	4.6%
Hodges, AL	366	80	19.9%
Bear Creek, AL	1,703	81	19.1%
Hackleburg, AL	1,539	81	18.9%
Phil Campbell, AL	969	80	19.5%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Blue Lake, CA	969	133	33.4%
Olinda, HI	969	214	113.9%
Weir, KS	969	78	21.9%
Barre, MA	969	115	14.6%
Grawn, MI	969	88	11.8%
Phil Campbell, AL	969	80	19.5%

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.

Cost of Living in Phil Campbell, AL

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Cost Of Living Quick Facts

Most Affordable Places to Live in and Around Phil Campbell

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Median Income & Debt-To-Income Ratio

Alabama Sales Tax

Alabama Income Tax

Nearby cities with low cost of living

Cities with similar population