Moving from Indiana to Mississippi
Moving to Mississippi on the same salary raises your real buying power by 9.4%. Change the salary below to see your own numbers.
Equal salary in MS: $63,200
To keep the same lifestyle, you need about $63,200 in Mississippi to match $70,000 in Indiana ($6,800 less), after 2026 taxes and local prices.
Single filer, W-2 salary, standard deduction.
These changes cover taxes, housing and electricity. Food, transport, healthcare, other spending and one-time moving costs are excluded. They are not total savings. State medians may differ from your neighborhood and current quotes.
| Tax on $70,000 | Indiana | Mississippi |
|---|---|---|
| Federal income tax | $6,570 | $6,570 |
| Social Security + Medicare | $5,355 | $5,355 |
| State income tax | $3,174 | $2,068 |
| State payroll programs (UI, disability, paid leave, transit) | $0 | $0 |
| Take-home pay | $54,901 | $56,007 |
Key facts: Indiana to Mississippi
- Median rent
- $1,104 → $990/mo
- Median home value
- $243,500 → $186,500
- Price level (U.S. = 100)
- 93.3 → 87.0
- Road distance
- ≈ 650 miles
- Natural hazard risk (FEMA)
- Above average (72.5 → 71.1 of 100)
What changes when you move to Mississippi
- Your state taxes fall by about $1,106 a year on the same $70,000 salary.
- BEA's housing price index is 24% lower in Mississippi. Median rent goes from $1,104 to $990 a month and the median home value from $243,500 to $186,500.
- Homeowners pay less property tax: the median bill is $1,221 in Mississippi vs $1,798 in Indiana.
- The average home electric bill is $155 a month in Mississippi vs $133 in Indiana (EIA 2024), about $261 a year more.
Who moves from Indiana to Mississippi
In the latest IRS migration data (2022–2023), 389 households (739 people) filed their taxes in Mississippi after filing in Indiana the year before. That makes Mississippi the #32 destination for people leaving Indiana. These households reported an average adjusted gross income of $55,871. Going the other way, 375 households moved from Mississippi to Indiana, a net gain of 14 households for Mississippi.
Five-year trend
Moves from Indiana to Mississippi peaked in 2021–22 at 393 households, then held roughly steady by 2022–23. That is still up 3% from 2018–19.
Source: IRS SOI state-to-state migration files, tax years 2018–19 to 2022–23.
Cost to move from Indiana to Mississippi
Moving cost: $550–$7,750
Moving about 650 miles from Indiana to Mississippi costs roughly $550 – $7,750, depending on how much of the work you hire out.
Distance between the states' population centers by road (estimate).
| Moving method | Typical range |
|---|---|
| Rental truck (DIY) Truck rental, taxes and fees. Add fuel, damage coverage, lodging and your time. | $550 – $1,960 |
| Moving container You pack and load; the company drives the container. | $1,350 – $3,030 |
| Full-service movers Packing, loading, transport and unloading. | $2,220 – $7,750 |
These ranges are based on summer (peak-season) quotes. A move between October and April usually costs less: peak prices run 20–30% higher.
A rental truck also burns about 65 gallons of fuel over this distance. One-way truck rental prices depend on direction: a truck headed where many people are moving often costs more than the same trip in reverse.
Ranges combine 198 published quote ranges on 22 interstate routes (moveBuddha, retrieved 2026-09-24) with 47 independent published prices from U-Pack, HireAHelper and Move.org, which raised the top of several ranges. They are not quotes; get at least three written estimates.
Alaska and Hawaii ranges come from published carrier rates and moving quotes, dated in each row (Matson's household-goods rates, U-Pack, Royal Hawaiian Movers). See how we estimate.
Shipping a car from Indiana to Mississippi
Car shipping: $750–$1,120
Shipping a sedan from Indiana to Mississippi on an open carrier costs about $750–$1,120, typically 3–7 days in transit over about 650 miles.
Modeled from 32 published 2026 route prices (SGT Auto Transport 'Ship a Car to Another State' sample routes, SGT Auto Transport cost calculator sample routes) plus published Hawaii and Alaska rates. SUVs cost about 25% more and enclosed carriers about 35% more. Not a quote.
Indiana vs Mississippi take-home pay at every salary
| Salary | Equal salary in MS | Take-home change | Take-home in IN | Take-home in MS |
|---|---|---|---|---|
| $50,000 | $45,200 | +$986 | $40,101 | $41,087 |
| $75,000 | $67,400 | +$1,136 | $58,189 | $59,325 |
| $100,000 | $90,500 | +$1,286 | $74,626 | $75,912 |
| $150,000 | $136,300 | +$1,586 | $106,937 | $108,523 |
| $250,000 | $227,600 | +$2,186 | $171,728 | $173,914 |
Single filer, 2026 tax rules, standard deduction. "Equal salary" keeps the same after-tax buying power.
Cost of living: Indiana vs Mississippi
| Measure | Indiana | Mississippi |
|---|---|---|
| Overall price level (U.S. = 100) | 93.3 | 87.0 |
| Housing price index | 73.9 | 56.5 |
| Utilities price index | 85.5 | 78.4 |
| Goods price index | 95.5 | 96.2 |
| Median rent (monthly) | $1,104 | $990 |
| Median home value | $243,500 | $186,500 |
| Median property tax (yearly) | $1,798 | $1,221 |
| Electricity (residential) | 17.51¢/kWh | 14.88¢/kWh |
| State sales tax rate | 7% | 7% |
| Median household income | $71,959 | $59,127 |
Renting and buying: Indiana vs Mississippi
| Measure | Indiana | Mississippi |
|---|---|---|
| Income to rent the median home (30% rule) | $44,160 | $39,600 |
| Monthly cost to own the median home (20% down) | $1,548 | $1,236 |
| Income needed to buy the median home | $66,342 | $52,991 |
| Homeowners insurance (yearly median, homes with a mortgage) | $1,304 | $1,765 |
| Infant child care (center, yearly) | $16,478 | $7,696 |
Mortgage at the Freddie Mac 30-year average with 20% down, plus the median property tax and the median homeowners insurance that owners with a mortgage paid in 2024 (Census ACS). Premiums have risen in most states since then, so get quotes. See buying a home in Mississippi for other down payments.
Your yearly budget: Indiana vs Mississippi
On a $70,000 salary, taxes, housing, electricity, one car and health insurance for one adult come to $38,468 a year in Indiana and $38,792 in Mississippi if you rent: $324 more after the move. If you buy the median home, they come to $43,796 and $41,750 ($2,046 less).
Your yearly budget, before vs after
| Yearly cost | IN | MS | Change |
|---|---|---|---|
| Income and payroll taxes on $70,000, single filer | $15,099 | $13,993 | -$1,106 |
| Electricity state average bill | $1,597 | $1,858 | +$261 |
| Car insurance one car, state average | $926 | $1,200 | +$274 |
| Gas 12,000 miles at 25 mpg | $1,910 | $1,917 | +$7 |
| Health insurance one adult, age 40, own plan before subsidies | $5,688 | $7,944 | +$2,256 |
| If you rent | |||
| Rent median, 12 months | $13,248 | $11,880 | -$1,368 |
| Total if you rent | $38,468 | $38,792 | +$324 |
| If you buy the median home (20% down) | |||
| Mortgage payment median home, 20% down, 6.95% | $15,474 | $11,852 | -$3,622 |
| Property tax median home | $1,798 | $1,221 | -$577 |
| Homeowners insurance state median, with a mortgage | $1,304 | $1,765 | +$461 |
| Total if you buy | $43,796 | $41,750 | -$2,046 |
Taxes: 2026 federal and state rules, standard deduction. Rent, home value and property tax: Census ACS 2024 state medians. Mortgage: Freddie Mac 30-year average (6.95%, week of September 17, 2026).
State figures: EIA 2024 average residential power bill, NAIC 2023 auto insurance (average per car), Census ACS 2024 homeowners insurance (median for owners with a mortgage; premiums have risen since), AAA regular gas on September 23, 2026, and the KFF 2026 benchmark silver Marketplace premium. Job-based health coverage usually costs you less, and in 2026 incomes between 100% and 400% of the federal poverty level can get a premium tax credit.
Not included: sales tax (combined state and local rates are not in our data yet), food, car payments and other spending.
Child care is not in the totals. Full-time center care for one infant averages $16,478 a year in Indiana and $7,696 in Mississippi (Child Care Aware of America, 2024 state averages).
Cost of living in Mississippi cities: Jackson.
After you arrive in Mississippi
- Mississippi new resident checklist: driver license and vehicle registration deadlines.
- Taxes the year you move: part-year returns in Indiana and Mississippi.
- How Mississippi taxes retirement income.
Frequently asked questions
How much salary do I need in Mississippi to live like I do in Indiana?
A $70,000 salary in Indiana works out to about $63,200 in Mississippi once 2026 federal and state taxes and BEA regional price levels are counted. At $100,000 it is about $90,500.
Will I pay less tax in Mississippi than in Indiana?
Yes, about $1,106 less a year in income and payroll taxes on a $70,000 salary (21.6% of pay in Indiana vs 20.0% in Mississippi). Property and sales taxes are shown separately.
How much does it cost to move from Indiana to Mississippi?
For a 2–3 bedroom home over about 650 miles, expect roughly $550–$1,960 with a rental truck, $1,350–$3,030 with a moving container, or $2,220–$7,750 with full-service movers.
Are more people moving from Indiana to Mississippi?
Moves from Indiana to Mississippi peaked in 2021–22 at 393 households, then held roughly steady by 2022–23. That is still up 3% from 2018–19.
How many people move from Indiana to Mississippi?
IRS migration data for 2022–2023 show 389 households (739 people) moved from Indiana to Mississippi, making Mississippi the #32 destination for people leaving Indiana. 375 households moved the other way.
Is Mississippi cheaper than Indiana?
Overall prices in Mississippi are 6.8% lower than Indiana (BEA Regional Price Parities 2024). Median rent is $990 vs $1,104 a month.
Compare other moves
Where people from Indiana actually move
- IN to Illinois 10,141 households
- IN to Florida 7,615 households
- IN to Kentucky 5,294 households
- IN to Ohio 5,172 households
- IN to Michigan 5,153 households
- IN to Texas 4,631 households
- IN to California 3,064 households
- IN to Tennessee 2,684 households