Retirement Lists

Cost of Living in Ridgeland, Mississippi

Looking northwest from the second floor at Center Court in Northpark Mall in Ridgeland, Mississippi.
Photo by Pmsyyz via Wikimedia Commons, CC BY-SA 3.0

Ridgeland cost of living

Ridgeland's real cost includes housing, driving, water and sewer, cooling, and storm maintenance

The catalog lists a $1,162 one-bedroom gross-rent reference, $3,122 local-resident estimate, $4,546 couple estimate, $4,425 traveler estimate, groceries at $460, utilities at $251, transportation at $1,064, and internet at 373.52 Mbps. These are planning references. Census QuickFacts reports a broader 2020 to 2024 median gross rent of $1,336, median owner value of $275,200, and median monthly owner costs of $1,497 with a mortgage or $619 without one.

Ridgeland's water and sewer information reports a 25 percent rate increase effective with the April to May 2026 billing cycle and 3 percent annual increases beginning in January 2027. Add water and sewer, property tax, insurance, car, fuel, parking, cooling, drainage, mosquito control, care, and trail or program costs to the actual home.

Planning a monthly budget

Start with a current lease or purchase offer, then add water and sewer, utilities, insurance, car, fuel, parking, food, care, cooling, maintenance, and one regular interest.

Housing
$1,162
Utilities (in rent)
$251
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.

Illustrative Ridgeland cost moment one: Write the humid-month budget

A household prices housing, cooling, utilities, water, sewer, insurance, car, fuel, groceries, pharmacy, medical visits, senior programs, and one shaded activity. It adds a storm and repair reserve.

How the total can change

A Ridgeland month changes with summer cooling, water use, a storm, car repair, UMMC referral, senior program, visitor, or drainage work. Keep irregular costs visible.

Comfortable Living
$4,425

Good

Cost of Living for Couple
$4,546

Good

Typical 1BR Rent
$1,162

Very Good

Everyday expenses

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

Dining Out
$234/mo

Excellent

Need for a Car
Required
Property Taxes
Low

Good

Overall Feel
Moderate
Residents 65+ Below Poverty Level
7.2%
65+ Householder — Renter Occupied
28.6%
65+ Households With High Housing Costs
33.8%
Median Household Income, Householder 65+
$61,278

Could Ridgeland 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
$3,122 per month
Two people
$4,546 per month

One-person estimate breakdown

Housing
$1,162
Food
$460
Transportation
$1,064
Healthcare
$436

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

Ridgeland in everyday life

Could Ridgeland work for you?

What may work well

  • Census and city sources provide a starting point for housing, utility, and local-setting comparisons.
  • Senior programs, parks, UMMC Madison, shopping, and trails can place many weekly choices in one suburban area.
  • The city publishes current water and sewer rates and future increases for a more honest household budget.

What to think about

  • Housing, driving, utilities, water and sewer, cooling, insurance, and storm maintenance can change the monthly total.
  • The catalog's figures are estimates and its car-required label means a trail or program nearby may not remove transportation costs.
  • Drainage, mosquitoes, reservoir or creek edges, and seasonal weather can create home and maintenance costs.

Price the Ridgeland household from the exact parcel

  1. Collect housing terms

    Ask for rent or purchase terms, deposits, property tax, insurance, utilities, water, sewer, cooling, roof, drainage, parking, repairs, and accessibility.

  2. Price the car decision

    Add car payment, fuel, insurance, maintenance, parking, registration, UMMC Jackson trips, airport travel, family visits, and the cost of a home near programs and care.

  3. Add care and weather

    Include premiums, prescriptions, visits, rehabilitation, cooling, water, sewer, storm reserves, mosquito control, power, and indoor activities.

Questions retirees ask

What does the catalog estimate for Ridgeland rent?

It lists a $1,162 one-bedroom gross-rent reference. Census QuickFacts reports a broader $1,336 median gross-rent figure for 2020 to 2024. Check current listings and add water, sewer, insurance, parking, and maintenance.

Why do water and sewer rates matter?

Ridgeland reports a 25 percent increase in 2026 and 3 percent annual increases beginning in 2027. Use the city's current schedule and add cooling, drainage, insurance, car, care, and maintenance.

Why does a trail not eliminate car costs?

Senior programs, pharmacy, UMMC Madison, shopping, airport, family, and Jackson referrals may still require a car. Compare the actual home with the routes the household will repeat.

How should weather affect the budget?

Price cooling, water, sewer, drainage, mosquitoes, storm repairs, power, insurance, indoor activities, and wet or hot day transport alongside housing.

Who may find Ridgeland's costs manageable?

It may fit someone who can choose the parcel carefully, keep a full driving and utility budget, and reserve money for heat, storms, care, water, sewer, and repairs.

Ridgeland's cost question is a parcel and route question. Start with current housing terms, then add water and sewer, transportation, insurance, cooling, care, drainage, maintenance, and the weather and specialist trips the household will actually repeat.

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