Cost of Living in Jackson MS in 2025

Jackson MS Cost of Living: Quick Takeaways

• Housing Costs: Average rent for a one-bedroom apartment in Jackson increased to approximately $1,020 in 2025.
• Transportation Expenses: Public transit costs are affordable, with monthly passes around $50 and fuel prices at $2.82 per gallon.
• Healthcare Costs: Monthly employer-sponsored health insurance averages around $140, but individual Silver plan premiums are about $400.
• Income Levels: Median household income in Jackson is projected to reach $45,000 in 2025.

Jackson, Mississippi, presents a cost of living that is generally lower than national averages, making it a potentially affordable place to live.

This article breaks down various expense categories for 2025, giving a detailed view of housing, utilities, transportation and more.

1. Housing Costs in Jackson MS

Housing is a key part of living expenses. Below is the rental cost history for a one-bedroom apartment in Jackson:

• 2010: $700
• 2015: $800
• 2020: $900
• 2024: $1,000
• 2025: $1,020

Rent prices in Jackson have shown steady growth over the years reflecting moderate demand and inflation.

Understanding real estate market trends can be helpful for restaurant and hospitality business owners considering location and leasing decisions in growing cities.

2. Homeownership and Real Estate Trends in Jackson MS

The home buying market has experienced gradual appreciation with these median home prices:

• 2010: $92,000
• 2015: $95,000
• 2020: $100,000
• 2024: $108,200
• 2025: $108,667

This trend indicates steady but modest growth in property values, keeping Jackson relatively affordable for homeowners.

3. Transportation Expenses in Jackson MS

Transportation costs in Jackson include:

• Public Transit: One-way fare is $1.50 with monthly passes costing $50.
• Fuel Costs: Average price per gallon is $2.82.
• Vehicle Maintenance: Annual maintenance averages $600.

These costs are relatively low compared to national levels, making commuting affordable for residents.

4. Utility Costs in Jackson MS

Typical monthly utility costs for a standard household include:

• Electricity: $155.64
• Internet: $60.00
• Total Utilities: Approximately $215.64 monthly

Utility expenses are slightly below national averages contributing to lower living costs.

5. Grocery and Food Expenses in Jackson MS

Monthly grocery expenses typically reach about $676 per person. Dining out prices are affordable: casual meals cost ~$12 while mid-range restaurant meals average around $40.

Restaurants seeking to attract staff should consider how material costs might affect menu pricing. The inflation impact on restaurant menu prices can help in planning sustainable business strategies.

6. Healthcare Costs in Jackson MS

Healthcare costs include:

• Employer-Sponsored Insurance: Around $140 monthly.
• Individual Silver Plan: Approximately $400 monthly.

Healthcare expenses are close to national averages, reflecting standard coverage costs.

7. Educational Expenses in Jackson MS

Education costs vary by type:

• Public Schools: No direct tuition costs.
• Private Schools: Average tuition around $8,000 annually.
• In-State University Tuition: Approximately $8,000 per year.

These figures provide options from free public schooling to moderately priced private and higher education.

8. Entertainment and Leisure in Jackson MS

Entertainment costs include:

• Movie Tickets: $12.40 each.
• Gym Memberships: About $30 monthly.
• Dining Out: Mid-range restaurant meals cost roughly $40.

Annual spending on entertainment and personal care services averages around $1,800 combined.

9. Taxes and Miscellaneous Fees in Jackson MS

Key tax information:

• State Income Tax Rate: Ranges from 0% to 5% depending on income.
• Sales Tax: Total rate is about 7%.
• Property Tax Rate: Approximately 0.65% of property value.

These taxes affect residents' disposable income and should be factored into budgets.

10. Childcare and Family Expenses in Jackson MS

Family-related expenses include:

• Daycare: Around $600 monthly.
• After-School Programs: Approximately $200 monthly.
• Extracurricular Activities: Roughly $100 monthly.

Planning is essential to budget for childcare and family activities.

11. Clothing and Personal Care in Jackson MS

Monthly personal expenses typically are:

• Clothing: Around $100.
• Personal Care: Approximately $50 for products and services.

These costs align with affordable living standards in Jackson.

12. Insurance Costs in Jackson MS

Insurance expenses include:

• Health Insurance: Average $400 monthly for individual plans.
• Auto Insurance: Around $1,200 annually.
• Homeowners Insurance: Approximately $1,000 annually.
• Renters Insurance: About $200 annually.

Insurance is a necessary expense for protection against risks and liabilities.

13. Miscellaneous Expenses in Jackson MS

Other expenses include:

• Entertainment: $1,200 annually.
• Personal Care Services: $600 annually.
• Miscellaneous Goods & Services: About $500 per year.

These diverse expenses complement the core living costs.

14. Income and Salaries in Jackson MS

Median household income has changed as follows:

• 2010: $35,000
• 2015: $37,000
• 2020: $40,000
• 2023: $43,238
• 2025: $45,000 projected

Incomes have risen steadily but remain modest compared to national averages.

For hospitality employers in Jackson, understanding income levels is crucial for setting appropriate wages and benefits to attract and retain talent. Check out our insights on restaurant staff hiring for strategic advice.

15. Comparison with National Averages

Jackson's cost of living is generally lower than U.S. averages:

• Overall Cost of Living: About 10% lower.
• Housing: 21% less expensive.
• Utilities: 16% lower.
• Food: Roughly 2% below average.
• Healthcare: Slightly above national average by 2%.
• Transportation: 15% less costly.
• Goods and Services: About 4% lower than average.

This makes Jackson a relatively affordable city for many living expenses.

Restaurant and hotel managers can also learn best practices from our guide on how to hire a restaurant manager to successfully align operations with local economic conditions.

Our Methodology for Jackson MS Cost of Living Figures

We gathered data from reputable sources including government databases and economic studies. When exact figures were unavailable, reasonable estimates based on trends and regional patterns were made to provide accurate and current information.

Jackson MS Cost of Living: Conclusion

Jackson offers an affordable lifestyle with housing, transportation and utilities costs falling well below national averages.

Healthcare and education expenses are slightly higher but overall the city remains budget-friendly for individuals and families.

Understanding these elements helps residents and newcomers make informed financial decisions ensuring a comfortable living experience in Jackson.

For hospitality professionals considering a move or hiring in Jackson, we recommend reviewing our comprehensive bartender job description and restaurant manager job description to attract qualified talent aligned with the local market.