Cost of Living in Holly Springs, MS: What Residents & Movers Need to Know
Cost of Living in Holly Springs, MS
The cost of living is a key factor for anyone considering a move or planning their financial future. It’s the sum of all the everyday expenses that shape your lifestyle—housing, groceries, transportation, healthcare, entertainment, and more.
Understanding how Holly Springs, MS compares to other places can help both locals and newcomers budget wisely, choose housing confidently, and plan long-term with less stress.
Understanding the Cost of Living Score
The cost of living score is a simple way to compare how affordable a city is:
- Score of 100 = U.S. average
- Below 100 = cheaper than the national average
- Above 100 = more expensive than the national average
Recent data puts Holly Springs around 80–85, which means it’s notably more affordable than many U.S. cities across major categories like housing, groceries, and services.
Housing & Rent
Housing is usually your biggest monthly expense—and Holly Springs is relatively budget-friendly.
Home Prices & Trends
- Typical single-family home: $120,000–$175,000
- Condos/townhomes: less common, but usually in a similar range
- Housing stock: primarily older, charming homes with larger lots and a traditional Southern feel
Rental Market
Approximate monthly rents:
- Studio: ~$600
- 1-bedroom: $700–$750
- 2-bedroom: ~$900
- Larger homes: $1,000–$1,300
What Salary Do You Need?
A common guideline is to spend no more than 30% of your income on housing.
- Example: For a 1-bedroom at $750/month, a recommended income is around $30,000/year.
Mini-calc tip:
Rent × 40 = Estimated minimum annual income
e.g., $800 × 40 = $32,000
Transportation & Commute Costs
Public Transit
- Limited public transportation
- No city rail network; regional bus options may exist but are not extensive
- Most residents rely on personal vehicles
Car Ownership
- Gas: around $3.15/gallon
- Car insurance: roughly $850–$1,150/year
- Parking: generally free or low-cost, with slightly higher demand closer to downtown
Commute
- Typical commute time: 20–30 minutes
- Traffic: generally light, even at peak times
- Carpooling and rideshare apps can help cut commuting costs, especially if traveling to nearby cities.
Utilities & Monthly Bills
Estimated combined monthly utilities for a typical household:
- Electricity, gas, water: $110–$180/month
- Higher in summer (A/C) and winter (heating)
- Internet: $55–$75/month for broadband
- Cell phone: $45–$70/month for a basic plan with data
Watch for:
- New service connection fees: $40–$60
- Municipal utility taxes: often a small percentage added to the bill
Food & Groceries
At Home
- Staple prices are generally close to the U.S. average
- A typical week of groceries for two people: $80–$100
- Local produce is often affordable, especially when in season.
Dining Out
- Casual restaurants: $10–$15 per person
- Sit-down / upscale meals: $25–$40 per person
- Fast food: $8–$10 per meal
Money-saving tip:
Check out the Holly Springs Farmers Market (seasonal) and discount grocers like Save-A-Lot to stretch your grocery budget.
Healthcare Expenses
Insurance
- Individual health insurance: typically $300–$450/month, depending on age, coverage, and subsidies.
Medical Services
- Routine doctor visit: $100–$140 (before insurance)
- Specialist or urgent care: higher, depending on provider
- Dental cleaning: usually moderate in cost and available locally or in nearby cities.
Prescriptions
- Generic medications: often $10–$20 with insurance
- Some pharmacies offer $4 generic prescription programs for common meds.
Goods & Services
Everyday services and personal care are also reasonably priced.
- Haircuts: $18–$25
- Laundry / dry cleaning: $1.50–$2 per lb
- House cleaning (per visit): $60–$100, depending on home size
- Streaming services (Netflix, Hulu, etc.): $8–$20/month
- Gym memberships: $30–$50/month
Consumer Price Index (CPI):
Holly Springs’ CPI is generally lower than that of larger metro areas, meaning slower price increases and better long-term affordability.
Fitness & Entertainment Options
You don’t have to spend a lot to have fun here.
- Gyms & fitness centers: $30–$50/month
- Movie tickets: around $9–$12
- Live music/events: typically $15–$40 depending on the venue and act
Outdoor recreation is a big plus, with parks, trails, and community sports offering low-cost or free ways to stay active.
Comparing Holly Springs, MS with Other Major Cities
Nearby Regional Cities
- Generally more affordable than Memphis, TN and Oxford, MS
- Rents in those cities are often 30%–60% higher
National Comparisons
- Compared to larger metros like Atlanta or Dallas, Holly Springs offers:
- Lower housing costs
- Lower everyday expenses
- A lifestyle where your dollar goes further
Salaries & Job Opportunities
Major Industries
- Education
- Healthcare
- Manufacturing
- Local retail and small business
Average Incomes
- Median household income: ~$38,000
- Many residents are comfortable with incomes above $45,000, especially with smart budgeting.
Job Market Trends
- Growth in logistics and warehouse roles due to nearby transport corridors
- Steady demand in education, healthcare, and service industries
Can I Afford Holly Springs, MS?
Financial Self-Check
- List your estimated monthly costs:
- Rent or mortgage
- Utilities
- Groceries
- Transportation
- Healthcare & insurance
- Compare the total to your take-home pay.
- Aim to keep housing at or below 30% of your net income.
Lifestyle Considerations
Many residents find:
- It’s easier to save than in big cities
- There’s less pressure to “keep up” with high-end spending
- Everyday activities and entertainment don’t break the bank
What Does AI Say About Holly Springs, MS?
- AI-driven city reviews consistently rate Holly Springs as “affordable” for families, singles, and retirees.
- Most categories—especially housing and services—tend to fall below the U.S. urban average.
Important caveat:
AI relies on historical and aggregated data. Your actual experience will depend on your lifestyle, job, and personal preferences, so always double-check current prices and local conditions.
FAQs on the Cost of Living in Holly Springs, MS
Average Rent by Bedroom Size
- Studio: $600–$650
- 1-bedroom: $700–$750
- 2-bedroom: $850–$950
Is Housing Affordable?
Yes. First-time homebuyers may qualify for state assistance or down payment programs. Talk to local banks or the city housing office for current options.
Is Public Transit Cheaper Than Owning a Car?
Not typically in Holly Springs. Because transit is limited, owning a car is usually necessary, although carpooling can lower your costs.
How Do Utilities Behave Throughout the Year?
- Bills increase during hot summers (A/C) and cold snaps
- Budget an extra $30–$50 during extreme weather months
Is Dining Out Expensive?
No—dining out is relatively affordable, especially at casual and local spots. There are plenty of options under $15 per meal.
What’s the Typical Salary Range?
- Entry-level roles: around $25,000/year
- Many professional jobs: $35,000–$55,000
- Management and specialized roles: higher, especially in healthcare and logistics
If you’re planning a move, downsizing, or just need extra room while you settle in, self storage in Holly Springs, MS can make the process smoother, helping you stay organized while keeping your cost of living manageable.
