Salary Needed to Live in Biloxi as a Single
A single adult living independently needs approximately $49,163/year to live comfortably in Biloxi, MS, including 10% savings.
Direct Answer
A single person needs about $49,163/year to live comfortably in Biloxi, MS. The bare-minimum salary is $42,608/year, but the comfortable figure includes a 10% savings target and a monthly after-tax budget of $3,004.
The minimum scenario leaves about $2,663/mo after tax and no planned savings. The comfortable scenario uses $4,097/mo gross pay to cover expenses, taxes, and a savings buffer.
Hybrid salary estimateBLS, HUD, ACS inputsLast verified May 2026
Comfortable Salary
$49,163
with 10% savings
Bare Minimum
$42,608
$3,551/mo gross, no savings buffer
Monthly Expenses
$2,663
26% below national avg
Detailed Monthly Budget for a Single in Biloxi
| Expense | Biloxi | Nat'l Avg | Diff |
|---|---|---|---|
| Studio/1BR Rent | $762 | $1,351 | -44% |
| Groceries | $205 | $207 | -1% |
| Utilities | $137 | $169 | -19% |
| Transportation | $274 | $316 | -13% |
| Car Insurance | $201 | $223 | -10% |
| Health Insurance | $542 | $672 | -19% |
| Internet | $55 | $65 | -15% |
| Phone | $71 | $85 | -16% |
| Dining & Social | $252 | $300 | -16% |
| Entertainment | $101 | $120 | -16% |
| Personal Care | $63 | $75 | -16% |
| Total Monthly | $2,663 | $3,583 | -26% |
How We Calculated the Salary
Monthly expenses:$2,663
Target savings (10%):$341/mo
Monthly after-tax needed:$3,004
Effective tax rate:25%
Gross annual salary needed:$49,163
What Drives the Salary Number?
Housing
$762
Studio/1BR rent is 29% of this monthly budget.
Taxes
25%
Estimated federal plus MS state tax reserve used to convert take-home needs into gross salary.
Savings target
10%
$341/mo is reserved for savings so the salary is not just break-even.
Local index
84/100
Biloxi is below the national baseline; the model adjusts baseline spending by local rent and cost data.
Compare Salary Needed in Nearby south Cities
Salary Planning Checklist
- Keep studio/1br housing near $762/mo or adjust the salary target upward.
- Budget $542/mo for persona-specific costs such as Internet and Phone.
- Use $42,608/year as the survival floor and $49,163/year as the healthier negotiation target.
Other Household Types in Biloxi
Related Pages
FAQ
What salary does a single person need in Biloxi?
A single person needs approximately $49,163/year ($4,097/month gross) to live comfortably in Biloxi with a 10% savings rate.
How much is rent for a single person in Biloxi?
A studio/1br in Biloxi costs approximately $762/month, which is the largest single expense at 29% of the total budget.
Is Biloxi affordable for a single person?
Yes, Biloxi is 26% more affordable than the national average for a single person.