Bay St. Louis, MS vs Horn Lake, MS

Bay St. Louis, MS and Horn Lake, MS have a very similar cost of living, with only a 0.2% difference in their overall index. Bay St. Louis scores 85 while Horn Lake scores 84 on the cost of living index, where 100 represents the national average. The day-to-day expenses for residents in both cities are comparable, though differences emerge when looking at specific categories.

On the housing front, median rent in Bay St. Louis is $1,138/month compared to $1,293/month in Horn Lake — a 12% difference. Interestingly, home values tell a different story: while Bay St. Louis has cheaper rent, Horn Lake actually has lower median home values ($158,900 vs $231,900).

Median household income in Bay St. Louis is $70,082 compared to $56,847 in Horn Lake (+23.3%). While Bay St. Louis is more expensive, its higher salaries more than compensate — residents there may actually end up with more disposable income. Looking at affordability, residents of Bay St. Louis spend roughly 19.5% of their income on rent, less than the 27.3% in Horn Lake.

Climate-wise, Bay St. Louis is notably warmer with an average of 68.3°F compared to 63.4°F in Horn Lake. Bay St. Louis receives more rainfall at 62.8" per year compared to 54.9" in Horn Lake.