Direct Answer
Biloxi, MS has a CostOfCity index of 84, which is 16% below the national baseline. Average modeled rent is $1,089/month and the single-adult living cost estimate is $3,407/month.
How to Use This City Page
Cost of Living in Biloxi: The Full Picture
Planning a move to Biloxi or benchmarking your current costs? This page covers every metric we track for this MS smaller city — from roof replacements and HVAC work to insurance premiums and professional salaries. At a cost index of 84, you'll find prices below the national average across most categories. The subtropical climate keeps construction crews working year-round, which helps with scheduling but doesn't reduce labor costs.
Biloxi has a value-oriented market where your dollar stretches further than in most American cities
The housing market features a housing market where the American Dream of owning a home is still financially realistic
The subtropical climate keeps construction crews working year-round, which helps with scheduling but doesn't reduce labor costs.. The lifestyle here is characterized by A warm-weather lifestyle that includes year-round outdoor activities, from fishing to football tailgates..
Biloxi is among the most affordable cities in the US, with a cost index of just 84. Your money stretches 16% further than the national average across virtually every spending category.
💰 Purchasing Power in Biloxi
Purchasing power adjusted to national average baseline. In Biloxi, your dollar buys 19% more than the national average.
🔺 Where Biloxi Costs More
🔽 Where Biloxi Costs Less
💰 Salary Landscape
vs national average · higher = better
Monthly Living Expenses in Biloxi
What it actually costs to live in Biloxi each month — from tight budgets to comfortable lifestyles.
Estimates include housing, food, transportation, utilities, insurance, and discretionary spending. Based on Biloxi's cost index of 84 applied to national spending surveys.
🏘️ Neighborhood Cost Variation
Don't let the metro-wide numbers fool you — Biloxi is a city of micro-markets. The most expensive ZIP codes can cost twice as much as the most affordable ones for identical services. Shop around by neighborhood and you'll find genuine pockets of value.
Biloxi vs U.S. Average Cost of Living
Category-by-category affordability grades — based on deviation from the national average.
🏠 Home Services in Biloxi
What contractors charge for the most common repairs, installations, and remodels
Roof Replacement
-31%HVAC Installation
-20%Plumbing Services
-34%Electrical Work
-19%Kitchen Remodel
-45%Bathroom Remodel
-32%House Painting
-3%Flooring Installation
+4%Landscaping
-14%Fence Installation
-18%Window Replacement
-17%Solar Panel Installation
-3%Water Heater Replacement
-24%Deck Building
-17%Pool Installation
-14%Tree Removal
-12%Garage Door Repair
-28%💼 Business Startup Costs in Biloxi
Full startup cost breakdowns — from lease deposits to working capital
Start a Restaurant
-14%Start a Coffee Shop
-9%Start a Food Truck
-29%Start a Gym
-29%Start a Daycare
-11%Start a Hair Salon
-29%Start a Laundromat
-5%Start a Bakery
-13%Start a Bar
-28%Start a Cleaning Business
-37%Start an Airbnb
-27%Start a Trucking Business
-1%📊 Cost of Living in Biloxi
Monthly expenses for housing, food, transportation, and everyday necessities
Cost of Living
-15%Rent Prices
-23%Grocery Costs
-17%Utility Costs
-8%Transportation Costs
-9%Childcare Costs
-16%Gym Membership
-8%🛡️ Insurance in Biloxi
Annual and monthly premium estimates for major insurance categories
Car Insurance
+15%Home Insurance
+7%Health Insurance
-10%Business Insurance
-4%Life Insurance
-14%Renters Insurance
-18%Pet Insurance
-11%Dental Insurance
-18%Motorcycle Insurance
-6%⚖️ Legal Services in Biloxi
Attorney fees, court costs, and total legal service expenses
Personal Injury Lawyer
-35%Divorce Lawyer
-5%DUI Lawyer
-13%Immigration Lawyer
0%Estate Planning Lawyer
-16%Workers Comp Lawyer
-13%Bankruptcy Lawyer
-36%💰 Salaries & Jobs in Biloxi
Annual compensation by experience level, role, and specialization
Software Developer Salary
-36%Registered Nurse Salary
-2%Teacher Salary
-9%Electrician Salary
-28%Plumber Salary
0%Accountant Salary
-30%Physical Therapist Salary
-10%Police Officer Salary
-30%Dentist Salary
-45%Real Estate Agent Salary
-42%How Much Income Do You Need in Biloxi?
✅ Best For
- Anyone building an emergency fund
- Outdoor enthusiasts
- Families prioritizing savings
- Retirees on fixed incomes
⚠️ Not Ideal For
- Those seeking dense urban amenities
- Workers in highly specialized tech roles
Talk to current residents about hidden costs. The sticker savings are real — just factor in any commute or lifestyle adjustments. Local subreddits and Facebook groups are goldmines for this intel.
CostOfCity Value Index
The CostOfCity Value Index combines cost-of-living data with median income, savings potential, and cost growth trends to produce a single score. Higher = better value for your money. Updated quarterly.
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Frequently Asked Questions About Biloxi
How does Biloxi compare to other cities in MS?
Within Mississippi, Biloxi has a cost index of 84. Nearby options include Mobile and Hattiesburg, which offer useful comparison points.
Is Biloxi, MS expensive to live in?
Biloxi's cost of living index is 84, which is 16% below the national average of 100. Biloxi is one of the more affordable US cities.
What is the median household income in Biloxi?
The median household income in Biloxi is approximately $45,000 per year. Adjusted for local cost of living (index: 84), this goes further than in many US cities.
Explore Biloxi in Depth
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