Cost Of Living in Spanish Fort, AL

The cost of living index is based on a national average of 100. For example, if the cost of living is 90, then it is 10% lower than average. If the cost of living is 110, then it is 10% higher than average. The breakdown for each index is as follows: goods & services (33%), groceries (13%), health care (5%), housing (30%), transportation (9%) and utilities (10%). If the cost of living data was unavailable for this city, estimates based upon nearby cities were used.
Index	Spanish Fort	Alabama	National
Cost of living	104	88	100
Goods & Services	97	96	100
Groceries	97	96	100
Health care	106	87	100
Housing	124	72	100
Transportation	93	91	100
Utilities	89	102	100

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Cost Of Living Quick Facts

The cost of living in Spanish Fort is 18% higher than the Alabama average
The cost of living in Spanish Fort is 4% higher than the national average
Spanish Fort housing is 24% 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
Goods & Services index
Groceries index
Health care index
Housing index
Transportation index
Utilities index

Median Income & Debt-To-Income Ratio

Median Income	Per Year	Per Month	Max Budget (28% DTI)	Max Budget (36% DTI)
Owners	$99,632	$8,303	$2,325	$2,989
Renters	$65,833	$5,486	$1,536	$1,975

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 $99,632. Therefore, the amount that a consumer should spend on housing costs should be no more than $2,325 per month to avoid calamity and poverty. The renters in the city have an income of about $65,833, which would make their monthly maximum allowable rental costs $1,536.

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%

Goods & Services

Item	Spanish Fort	National avg.	Difference
Haircut	$24.75	$24.26	2.0%
Beauty Salon	$45.72	$45.56	0.4%
Toothpaste	$3.59	$3.70	3.0%
Shampoo	$1.17	$1.28	8.4%
Movie	$10.62	$12.13	12.4%
Bowling	$17.33	$18.00	3.7%

Groceries

Item	Spanish Fort	National avg.	Difference
Ground Beef	$5.76	$5.84	1.4%
Fried Chicken	$1.74	$1.57	10.7%
Milk	$4.55	$4.67	2.5%
Potatoes	$5.16	$4.93	4.6%
Pizza	$11.24	$12.09	7.0%
Beer	$9.16	$10.41	12.0%

Health Care

Item	Spanish Fort	National avg.	Difference
Optometrist	$122.28	$125.68	2.7%
Doctor	$128.94	$135.78	5.0%
Dentist	$138.76	$113.29	22.5%
Ibuprofen	$10.07	$10.65	5.4%
Lipitor	$491.22	$468.60	4.8%

Housing

Item	Spanish Fort	National avg.	Difference
Home Price	$227,000.00	$184,700.00	22.9%
Avg. Mortgage Payment	$1,663.88	$2,346.69	29.1%
Apartment Rent	$1,199.00	$949.00	26.3%

Transportation

Item	Spanish Fort	National avg.	Difference
Gasoline	$3.08	$3.46	11.0%
Tire Balancing	$60.67	$59.92	1.2%

Utilities

Item	Spanish Fort	National avg.	Difference
All Electricity	$162.85	$193.99	16.1%
Phone	$187.62	$192.25	2.4%

Although the cost of living data is updated regularly, this cost of living information is to be used as estimates only as prices can change on an ongoing basis.

Nearby cities with low cost of living

City	Population	Cost of Living Index	National Avg.
Prichard, AL	21,618	82	18.0%
Chickasaw, AL	5,757	83	16.8%
Belle Fontaine, AL	498	86	13.7%
Robertsdale, AL	6,776	89	10.7%
Stapleton, AL	2,509	90	10.2%
Spanish Fort, AL	8,991	104	4.1%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Micco, FL	8,990	88	11.7%
Brandywine, MD	8,990	141	41.0%
Fairview, TN	8,989	108	8.1%
Summit, WA	8,993	129	29.0%
Grants, NM	8,987	87	12.9%
Spanish Fort, AL	8,991	104	4.1%

Date & Last Updated: This data reflects 2023 and was released from C2ER in January, 2024; this is the most current data available.

Cost of Living in Spanish Fort, AL