Cost Of Living in Spanish Fort, AL

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B

5%

Overall NAT. AVG.

3%

Groceries NAT. AVG.

27%

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	Spanish Fort	Alabama	National
Cost of living	105	89	100
Groceries	97	96	100
Health care	93	95	100
Housing	127	74	100
Transportation	97	95	100
Utilities	101	97	100
Lifestyle & Entertainment	98	94	100
Household Items	96	96	100
Education & Childcare	92	93	100

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Homes For Sale In Spanish Fort, AL

10296 Shetland Dr

Spanish Fort, AL

71 Caisson Trce

Spanish Fort, AL

31836 Meade Ct

Daphne, AL

31187 Spoonbill Rd

Daphne, AL

Cost Of Living Quick Facts

The cost of living in Spanish Fort is 19% higher than the Alabama average
The cost of living in Spanish Fort is 5% higher than the national average
Spanish Fort housing is 27% higher 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	$147,042	$12,254	$3,431	$4,412
Renters	$98,133	$8,178	$2,290	$2,944

To approximate the cost of living and the housing affordability in Spanish Fort, AL, we can look at the percentage of income that is available to be spent on monthly housing, otherwise known as the debt-to-income ratio (DTI). To stay on the safe side, a consumer should not spend more than 28% of his or her gross income on housing-related expenses and costs and not more than 36% of income on all expenses and debts. Homeowners in Spanish Fort have a median income of $147,042. Therefore, the amount that a consumer should spend on housing costs should be no more than $3,431 per month to avoid calamity and poverty. The renters in the city have an income of about $98,133, which would make their monthly maximum allowable rental costs $2,290.

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.
Prichard, AL	22,203	82	17.6%
Chickasaw, AL	5,954	84	16.2%
Belle Fontaine, AL	514	87	12.5%
Robertsdale, AL	6,958	90	10.2%
Stapleton, AL	2,562	90	9.9%
Spanish Fort, AL	9,251	105	5.4%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Chanute, KS	9,251	80	19.7%
Earlimart, CA	9,250	107	7.4%
Hillview, KY	9,250	93	6.8%
Mechanicsburg, PA	9,250	99	1.0%
Wakefield-Peacedale, RI	9,250	116	16.3%
Spanish Fort, AL	9,251	105	5.4%