Cost Of Living in St. Stephens, AL

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4%

Overall NAT. AVG.

3%

Groceries NAT. AVG.

100%

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	St. Stephens	Alabama	National
Cost of living	96	89	100
Groceries	97	96	100
Health care	93	95	100
Housing	n/a	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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Cost Of Living Quick Facts

The cost of living in St. Stephens is 8% higher than the Alabama average
The cost of living in St. Stephens is 4% lower than the national average
St. Stephens housing is 18% 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	$69,068	$5,756	$1,611	$2,072
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.
Cullomburg, AL	103	95	4.7%
Carlton, AL	58	96	3.7%
Tibbie, AL	41	96	3.7%
Rockville, AL	18	96	3.7%
Jackson, AL	4,844	87	12.7%
St. Stephens, AL	179	96	3.7%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Bodcaw, AR	179	78	22.2%
Houston, AR	179	81	18.6%
Red Rock CDP (Apache County), AZ	179	88	12.0%
Fort Bidwell, CA	179	101	0.6%
Mountain Meadows, CO	179	192	92.1%
St. Stephens, AL	179	96	3.7%