Cost of Living in Holly Springs, MSThe 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 ScoreThe cost of living score is a simple way to compare how affordable a city is:Score of 100 = U.S. averageBelow 100 = cheaper than the national averageAbove 100 = more expensive than the national averageRecent 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 & RentHousing is usually your biggest monthly expense—and Holly Springs is relatively budget-friendly.Home Prices & TrendsTypical single-family home: $120,000–$175,000Condos/townhomes: less common, but usually in a similar rangeHousing stock: primarily older, charming homes with larger lots and a traditional Southern feelRental MarketApproximate monthly rents:Studio: ~$6001-bedroom: $700–$7502-bedroom: ~$900Larger homes: $1,000–$1,300What 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 incomee.g., $800 × 40 = $32,000Transportation & Commute CostsPublic TransitLimited public transportationNo city rail network; regional bus options may exist but are not extensiveMost residents rely on personal vehiclesCar OwnershipGas: around $3.15/gallonCar insurance: roughly $850–$1,150/yearParking: generally free or low-cost, with slightly higher demand closer to downtownCommuteTypical commute time: 20–30 minutesTraffic: generally light, even at peak timesCarpooling and rideshare apps can help cut commuting costs, especially if traveling to nearby cities.Utilities & Monthly BillsEstimated combined monthly utilities for a typical household:Electricity, gas, water: $110–$180/monthHigher in summer (A/C) and winter (heating)Internet: $55–$75/month for broadbandCell phone: $45–$70/month for a basic plan with dataWatch for:New service connection fees: $40–$60Municipal utility taxes: often a small percentage added to the billFood & GroceriesAt HomeStaple prices are generally close to the U.S. averageA typical week of groceries for two people: $80–$100Local produce is often affordable, especially when in season.Dining OutCasual restaurants: $10–$15 per personSit-down / upscale meals: $25–$40 per personFast food: $8–$10 per mealMoney-saving tip:Check out the Holly Springs Farmers Market (seasonal) and discount grocers like Save-A-Lot to stretch your grocery budget.Healthcare ExpensesInsuranceIndividual health insurance: typically $300–$450/month, depending on age, coverage, and subsidies.Medical ServicesRoutine doctor visit: $100–$140 (before insurance)Specialist or urgent care: higher, depending on providerDental cleaning: usually moderate in cost and available locally or in nearby cities.PrescriptionsGeneric medications: often $10–$20 with insuranceSome pharmacies offer $4 generic prescription programs for common meds.Goods & ServicesEveryday services and personal care are also reasonably priced.Haircuts: $18–$25Laundry / dry cleaning: $1.50–$2 per lbHouse cleaning (per visit): $60–$100, depending on home sizeStreaming services (Netflix, Hulu, etc.): $8–$20/monthGym memberships: $30–$50/monthConsumer 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 OptionsYou don’t have to spend a lot to have fun here.Gyms & fitness centers: $30–$50/monthMovie tickets: around $9–$12Live music/events: typically $15–$40 depending on the venue and actOutdoor 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 CitiesNearby Regional CitiesGenerally more affordable than Memphis, TN and Oxford, MSRents in those cities are often 30%–60% higherNational ComparisonsCompared to larger metros like Atlanta or Dallas, Holly Springs offers:Lower housing costsLower everyday expensesA lifestyle where your dollar goes furtherSalaries & Job OpportunitiesMajor IndustriesEducationHealthcareManufacturingLocal retail and small businessAverage IncomesMedian household income: ~$38,000Many residents are comfortable with incomes above $45,000, especially with smart budgeting.Job Market TrendsGrowth in logistics and warehouse roles due to nearby transport corridorsSteady demand in education, healthcare, and service industriesCan I Afford Holly Springs, MS?Financial Self-CheckList your estimated monthly costs:Rent or mortgageUtilitiesGroceriesTransportationHealthcare & insuranceCompare the total to your take-home pay.Aim to keep housing at or below 30% of your net income.Lifestyle ConsiderationsMany residents find:It’s easier to save than in big citiesThere’s less pressure to “keep up” with high-end spendingEveryday activities and entertainment don’t break the bankWhat 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, MSAverage Rent by Bedroom SizeStudio: $600–$6501-bedroom: $700–$7502-bedroom: $850–$950Is 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 snapsBudget an extra $30–$50 during extreme weather monthsIs 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/yearMany professional jobs: $35,000–$55,000Management and specialized roles: higher, especially in healthcare and logisticsIf 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.
