Retirement Lists

Cost of Living in Biloxi, Mississippi

Biloxi Lighthouse on U.S. Route 90 with Visitor's Center in background.
Photo by Woodlot via Wikimedia Commons, CC BY-SA 3.0

Biloxi cost of living

Can a Gulf Coast budget carry cooling, insurance, and storm exposure?

The current catalog estimates $2,864 for a local household, $4,036 for a traveler-style estimate, and $4,178 for a couple. Housing is $904 for a one-bedroom gross-rent anchor, food is $460, transportation is $1,064, and the separate utility estimate is $239.

The $904 gross-rent figure includes tenant-paid utilities, so do not add the separate $239 row without checking the lease. Property taxes are screened at about 0.6%, but coastal insurance, wind coverage, flood coverage, cooling, repairs, storm shutters, power, and car costs can matter more than the base rent.

Planning a monthly budget

A local monthly estimate of $2,864 gives you the starting point, with transportation taking the largest share.

Housing
$904
Utilities (in rent)
$239
Food
$460/mo
Transportation
$1,064/mo
Healthcare
$436

Utilities are included in housing so they are not added twice. The separate Utilities row is a reference estimate.

How the total can change

A traveler style stay, a couple household, and long term rent answer different planning questions.

Comfortable Living
$4,036

Good

Cost of Living for Couple
$4,178

Very Good

Typical 1BR Rent
$904

Very Good

Everyday expenses

Dining, transportation, taxes, and car needs can change how the monthly budget feels.

Dining Out
$231/mo

Excellent

Need for a Car
Required
Property Taxes
Low

Good

Overall Feel
Good
Residents 65+ Below Poverty Level
16.4%
65+ Householder — Renter Occupied
33.8%
65+ Households With High Housing Costs
33.6%
Median Household Income, Householder 65+
$53,104

Could Biloxi fit your monthly retirement budget?

Compare your monthly budget with a city estimate. Add your expected housing amount when you have a more useful number.

Housing

Enter your expected rent and required housing charges, or leave this blank to use the current renter amount.

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Starting renter estimates

Use these broad monthly estimates as a starting point, then replace them with costs you know.

One person
$2,864 per month
Two people
$4,178 per month

One-person estimate breakdown

Housing
$904
Food
$460
Transportation
$1,064
Healthcare
$436

Taxes, debt, insurance, out-of-pocket care, travel, and one-time moving costs may not be included.

Biloxi in everyday life

Could Biloxi work for you?

What may work well

  • The local estimate is $2,864 and the one-bedroom gross-rent anchor is $904.
  • Food, transport, healthcare, and housing rows give the household a clear worksheet.
  • Nearby hospitals and transit may reduce some long trips when the address and route fit.

What to think about

  • The separate $239 utility row must be reconciled with gross rent before it is added.
  • Flood and wind insurance, cooling, repairs, a required car, and evacuation costs can change the budget materially.
  • Older households show 33.6% with high housing costs and 33.8% renting in the available rows.

Turn a Biloxi budget into a year-round decision

  1. Create a full household sheet

    Start with the catalog anchors, then add utilities, cooling, insurance, car, care travel, prescriptions, repairs, fees, and storm preparation.

  2. Compare three addresses

    Price a higher-ground inland option, a central home, and a coastal option. Include flood, wind, insurance, parking, groceries, pharmacy, and care.

  3. Request insurance quotes

    Ask for flood, wind, homeowners or renters, auto, deductibles, exclusions, elevation documents, roof age, shutters, and claims history.

  4. Keep a storm reserve

    Set aside money for power, cooling, repairs, evacuation, mobility support, insurance changes, water, food, and a higher-cost care month.

Questions retirees ask

What is Biloxi's local estimate?

The current catalog shows $2,864 for a local estimate, $4,178 for a couple, and $4,036 for a traveler-style estimate. Add actual housing, insurance, cooling, car, care, and storm costs.

Does the rent row include utilities?

The $904 one-bedroom figure is median gross rent and includes tenant-paid utilities. Check the lease before adding the separate $239 utility estimate.

Why are insurance costs central?

County flood and storm risk are High. Flood, wind, homeowners or renters, auto, deductibles, roof, elevation, and evacuation costs can determine the full household budget.

What should an owner confirm?

Request the tax notice, elevation, flood and wind quotes, roof and window condition, cooling bills, repairs, drainage, power resilience, parking, and the full care route.

Biloxi can look manageable on the base estimate, but a sound budget must carry cooling, insurance, a required car, repairs, power, evacuation, and the coastal risk of the exact home.

Sources

The budget value gives a starting point for everyday spending. Housing, healthcare, safety, and climate can change what feels comfortable for a household.

Housing mix, exchange rates, healthcare needs, car ownership, and travel style can move a real monthly budget materially.

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How this city research is made

Retirement Lists uses documented public sources and methods to research, review, and correct city information. Read our Editorial Policy.