The Roy Howard Community Journalism Center’s “What Is True?” Team investigated the claim that Mississippi is one of the most affordable states to live in.  

RESULTS: This claim is misleading. 

While Mississippi does have lower prices, Mississippians’ lower salaries and unique spending habits may cancel out any savings. To get the full picture on what Mississippians earn and spend, read the full fact-check below: 

Mississippi consistently ranks as one of the lowest-cost states in which to live. The cost of living in Mississippi is 13% lower than the national average in 2026. But does the low cost of living tell the whole story when it comes to affordability?  

For example, Mississippi ranks last in individual and household median incomes, and wage growth for residents who remain at the same job is 13% lower than the national average. Between June 2023 and June 2024, Mississippi’s median pay growth ranked last, coming in at 28% lower than the national average. Despite efforts to increase the minimum wage, Mississippi’s minimum wage has remained at $7.25 since 2009.  

With less income and low wage growth, a higher percentage of that income goes to basic necessities.  

• Mississippians spend 10.6% of their annual household income on groceries, making them the Americans who spend the most on groceries annually.  

• The state also ranks 6th in the nation in the percentage of household income spent on health insurance, with families spending 10.5% of their monthly income on it.  

• With one of the most expensive uninsured motorists rates in the nation, Mississippians pay 8.4% more than the national average for car insurance, resulting in residents spending a higher share of their income (almost 4%) on auto insurance than in 41 other states.   

On paper, Mississippi’s base prices on items like groceries and housing are comparatively low. However, the percentage of income spent on these items – in a state with the lowest median income – means low prices might not be as affordable as some Mississippians believe.   

About “What Is True?” 

The RHCJC “What Is True?” Team of graduate researchers investigates everything from viral online posts to local community rumors. If you have a question, submit a “What Is True?” inquiry on the RHCJC website or call 855-IS-IT-TRU (855-474-8878).