Cost Of Living in Ripley, MS

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15%

Overall NAT. AVG.

2%

Groceries NAT. AVG.

42%

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	Ripley	Mississippi	National
Cost of living	85	86	100
Groceries	98	97	100
Health care	93	95	100
Housing	58	63	100
Transportation	95	94	100
Utilities	99	98	100
Lifestyle & Entertainment	93	94	100
Household Items	98	96	100
Education & Childcare	96	94	100

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Homes For Sale In Ripley, MS

2881 County Road 424

Ripley, MS

County Road 600

Dumas, MS

31 County Road 815

Blue Mountain, MS

122 Hospital St

Ripley, MS

See the Newest Homes For Sale In Ripley, MS

Cost Of Living Quick Facts

The cost of living in Ripley is 1% lower than the Mississippi average
The cost of living in Ripley is 15% lower than the national average
Ripley housing is 42% lower than the national average
Mississippi general sales tax is 37% higher than the national average
Mississippi state income tax is 93% higher 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	$96,676	$8,056	$2,256	$2,901
Renters	$49,546	$4,129	$1,156	$1,487

The affordability of the housing market in Ripley, MS 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 Ripley homeowners, the median income is $96,676. This indicates that a monthly maximum of $2,256 should be spent by homeowners on all housing related costs. Renters have a median income of $49,546. This indicates that renters would have a maximum of $1,156 for their rent related monthly costs.

Mississippi Sales Tax

State	General Sales Tax	With Max Surtax
Mississippi	7%	7.25%

Mississippi Income Tax

State	Income Tax (Low)	Income Tax (High)
Mississippi	5%	5%

Nearby cities with low cost of living

City	Population	Cost of Living Index	National Avg.
Blue Mountain, MS	1,261	79	21.0%
Hickory Flat, MS	691	80	20.3%
Walnut, MS	1,287	82	18.1%
Falkner, MS	954	83	16.8%
Ashland, MS	512	84	15.7%
Ripley, MS	5,421	85	15.1%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Offutt AFB, NE	5,421	110	9.9%
South Amherst, MA	5,420	129	29.0%
Kings Point, NY	5,418	417	316.7%
Midway, UT	5,418	157	56.5%
Willow Creek No. 26, AB	5,418	n/a
Ripley, MS	5,421	85	15.1%