Cost Of Living in Rainsville, AL

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A+

9%

Overall NAT. AVG.

1%

Goods & Services NAT. AVG.

25%

Housing NAT. AVG.

Date & Last Updated: This data reflects 2023 and was released from C2ER in January, 2024; 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.
Index	Rainsville	Alabama	National
Cost of living	91	88	100
Goods & Services	99	96	100
Groceries	99	96	100
Health care	93	87	100
Housing	75	72	100
Transportation	94	91	100
Utilities	98	102	100

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Cost Of Living Quick Facts

The cost of living in Rainsville is 3% higher than the Alabama average
The cost of living in Rainsville is 9% lower than the national average
Rainsville housing is 25% 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
Goods & Services index
Groceries index
Health care index
Housing index
Transportation index
Utilities index

Median Income & Debt-To-Income Ratio

Median Income	Per Year	Per Month	Max Budget (28% DTI)	Max Budget (36% DTI)
Owners	$65,688	$5,474	$1,533	$1,971
Renters	$11,984	$999	$280	$360

The affordability of the housing market in Rainsville, AL as well as the overall cost of living can be predicted by what percent of the monthly income is spent on housing related costs. This is konwn as the debt-to-income ratio (DTI). The overall rule of thumb is that no more than 28% of your gross income should be spent on the overall costs related to housing and no more than 36% of gross income on all expenses and debts. Among Rainsville homeowners, the median income is $65,688. This indicates that a monthly maximum of $1,533 should be spent by homeowners on all housing related costs. Renters have a median income of $11,984. This indicates that renters would have a maximum of $280 for their rent related monthly costs.

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%

Goods & Services

Item	Rainsville	National avg.	Difference
Haircut	$24.45	$24.26	0.8%
Beauty Salon	$52.50	$45.56	15.2%
Toothpaste	$3.85	$3.70	4.1%
Shampoo	$1.24	$1.28	3.4%
Movie	$12.52	$12.13	3.2%
Bowling	$22.78	$18.00	26.5%

Groceries

Item	Rainsville	National avg.	Difference
Ground Beef	$6.04	$5.84	3.5%
Fried Chicken	$1.42	$1.57	9.7%
Milk	$4.55	$4.67	2.6%
Potatoes	$5.33	$4.93	7.9%
Pizza	$12.16	$12.09	0.6%
Beer	$10.23	$10.41	1.7%

Health Care

Item	Rainsville	National avg.	Difference
Optometrist	$104.06	$125.68	17.2%
Doctor	$130.44	$135.78	3.9%
Dentist	$113.33	$113.29	0.0%
Ibuprofen	$10.52	$10.65	1.2%
Lipitor	$367.22	$468.60	21.6%

Housing

Item	Rainsville	National avg.	Difference
Home Price	$151,500.00	$184,700.00	18.0%
Avg. Mortgage Payment	$1,800.86	$2,346.69	23.3%
Apartment Rent	$546.00	$949.00	42.5%

Transportation

Item	Rainsville	National avg.	Difference
Gasoline	$3.16	$3.46	8.7%
Tire Balancing	$61.19	$59.92	2.1%

Utilities

Item	Rainsville	National avg.	Difference
All Electricity	$191.34	$193.99	1.4%
Phone	$188.01	$192.25	2.2%

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	Population	Cost of Living Index	National Avg.
Valley Head, AL	904	77	23.4%
Dutton, AL	506	82	18.5%
Shiloh, AL	373	83	17.5%
Lookout Mountain, AL	1,528	79	21.0%
Sylvania, AL	2,386	79	20.6%
Rainsville, AL	5,038	91	8.9%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Hudson, TX	5,038	91	9.4%
Coverdale, NB	5,038	n/a
Archer Lodge, NC	5,037	102	1.6%
Olyphant, PA	5,037	93	6.8%
Gretna, NE	5,039	97	2.6%
Rainsville, AL	5,038	91	8.9%