Cost of living in Smith County, MS
Population 14,193 · Last updated May 21, 2026
Cost breakdown
Single person, by category, per month.
Rent in Smith County
Fair Market Rents by bedroom count.
Source: HUD FMR FY2025
Income and earnings in Smith County
Annual earnings figures from the Census ACS.
Source: ACS 2019-2023 5-Year.
Home values in Smith County
Average values reported by homeowners.
Source: ACS 2019-2023 5-Year
Energy costs in Smith County
Estimated monthly electricity and gas costs.
Source: EIA
Healthcare in Smith County
Insurance premiums and coverage rates.
Source: ACS + national avg. Marketplace benchmark premiums are second-lowest Silver plan estimates and do not reflect employer plans, subsidies, or out-of-pocket costs. This is not healthcare advice.
Taxes in Smith County
State and local tax rates for Mississippi.
Tax rates change. Consult a qualified tax professional for advice on your specific situation. This is not tax advice.
Transportation in Smith County
Commute patterns and estimated costs.
Source: ACS
Monthly cost estimates for Smith County
What it costs to live in Smith County each month.
- Rent $843
- Energy $197
- Water $55
- Groceries $298
- Transport $320
- Healthcare $480
- Federal tax $542
- State tax $180
- Rent $933
- Energy $236
- Water $65
- Groceries $494
- Transport $420
- Healthcare $864
- Federal tax $513
- State tax $214
- Rent $1,124
- Energy $296
- Water $75
- Groceries $749
- Transport $520
- Healthcare $1,350
- Childcare $1,200
- Federal tax $513
- State tax $214
Frequently asked questions about Smith County
Common questions about cost of living, rent and salary.
What is the average rent in Smith County?
In Smith County, MS, a one-bedroom apartment averages $843 per month, a two-bedroom averages $933 per month, a three-bedroom averages $1,124 per month, according to HUD Fair Market Rent data.
What is the average salary in Smith County?
In Smith County, MS, the average household income is $51,396 per year and individual earnings for full-time workers average $43,182 per year, according to U.S. Census Bureau data.
What is the cost of living in Smith County?
The estimated cost of living in Smith County, MS is approximately $2,915 per month for a single person, $3,739 for a couple, $6,041 for a family. This includes rent, utilities, groceries, transportation, healthcare, and taxes.
What is the sales tax rate in Smith County?
The combined sales tax rate in Smith County, MS is 7.07%, which includes the Mississippi state rate of 7.00% plus an average local rate of 0.07%.
Is Smith County an affordable place to live?
Based on the data, a single person in Smith County, MS would need approximately $2,915 per month to cover rent, utilities, food, transport, healthcare, and taxes. The average household income is $51,396 per year ($4,283 per month). Smith County has a moderate cost of living relative to local earnings.
How much does healthcare cost in Smith County?
The ACA marketplace benchmark premium in Smith County, MS is approximately $480 per month for an individual. Approximately 14.3% of residents are uninsured. Actual costs vary based on employer coverage, plan type, and individual circumstances.
What are house prices in Smith County?
The average home value in Smith County, MS is $114,000, with average annual property taxes of $521, according to U.S. Census Bureau data.
How does Smith County compare to other areas?
You can compare Smith County, MS with any other US county using our comparison tool at /compare. Smith County is in Mississippi.
Other counties in Mississippi
Browse the full list of counties in Mississippi, ranked by cost of living.
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About this data
All figures on this page come from official U.S. government sources, listed below.
- HUD FMR FY2025
- ACS 2019-2023 5-Year
- EIA
- ACS + national avg
- ACS
- USDA + BEA RPP