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Listerhill Credit Union is a nonprofit financial cooperative improving lives in our community.

If you live in Alabama, Georgia, Mississippi, Florida, or Tennessee, you are eligible to become a member. Depending on your individual eligibility, we may require membership into an approved association at no cost to you.

You can also qualify for membership by being a family member of a current or potential Listerhill member.

With only $5, you can join Listerhill today and start taking advantage of a lifetime membership.

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Cost of Living Calculator & City Comparison

How It Works

Not all cities cost the same to live there, so it's important to predict what expenses will change if you move and by how much. The Cost of Living Calculator is a tool that will show you a comparable salary between two different cities as well as how prices might change for common expenses.

  1. Use the Current Salary slider to set your current salary.
  2. Change the Current Location by using the dropdown arrows. (If the city you live in is not listed, select the nearest one.)
  3. Change the Moving To location by using the dropdown arrows as well.
  4. The calculator will display what a comparable salary will be in that city and price adjustments for your budget.
How to Find Your Cost of Living

You can calculate the cost of living by taking the average price of necessities in an area, adding them up, and calculating how much someone would need to earn to live comfortably. Living costs that change depending on the state, or city even, include the following:

  • Housing: You should try to pay less than 25% of your take-home income on housing. In California, where housing prices are high, the average cost of a single family home can be around $700,000. Take the average 30 year loan term with an interest rate of 4.75%, your monthly mortgage payment for a single family home in California is around $3,400. The same type of home in Texas might only cost you about $944 dollars a month. If you’re interested in exploring more, this Mortgage Calculator can help you find mortgage estimates.
  • Groceries: Believe it or not the grocery store prices differ a lot between states. To put things into perspective, a gallon of milk in Hawaii can cost as much as $9.00 whereas in Louisville, Tennessee, milk can be as little as $1.70. Why might this be? Mostly shipping...So, for example, most of Hawaii’s products need to be shipped from the mainland. The same thing happens with fruits or vegetables that aren’t naturally grown in different parts of the U.S.
  • Utilities: Anything from typical weather patterns in a state to the cost of fuel, and state regulations can affect utility prices (gas, electric, water/sewage, and garbage disposal). A good indicator of how weather can affect utilities is how water prices spike in areas of a drought and colder places require more heat to stay comfortable, increasing the need for fuel.
  • Transportation: Gas prices, car repairs, licenses, insurance rates, and parking can all impact the cost of transportation. In some cities it’s not even worth it to buy a car. If you decide you need a car, it’s a good idea to remember how state regulations could influence the cost. Since some states require your car to pass an emissions test before you can even register it, the cost of testing, potential repairs, and registration all increase the price of owning the car. Don’t forget about parking costs. If driving’s not your thing, know that bus, subway, and taxi fares will also vary in price depending on the location.
  • Healthcare: Healthcare is one of those categories that differs not just between states, but also between in-patient, out-patient, and professional services. A rise in the market for healthcare can be linked to many different things, but for some it is because there is fewer staff available to perform individual procedures. For example, if there is a shortage of heart surgeons in an area, the procedure is in high demand, but at a low fulfillment rate meaning rates rise out of “necessity.” Expensive Healthcare rates can also be linked to what benefits and insurance is offered in that specific region.
How to Save Money Fast on a Low Income

Getting ahead can be hard when you don’t have much money to spare, especially when inflation means your basic cost-of-living expenses keep getting higher.

How Much Money Should I Keep in My Checking Account?

Are Credit Unions Better than Banks?

Navigating the world of personal finance can be perplexing, especially when determining which institution to entrust with your banking and financial needs. You have many possible options, including ba...

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Frequently Asked Questions

  • What are some factors to consider when choosing a rewards credit card?

    Determine whether you prefer cash back, travel points, or other reward types. Then, explore how and when reward points accumulate, if there are spending caps, and how easy it is to redeem your rewards. Financial institutions like credit unions tend to offer great rewards credit cards.

  • How can I compare credit card offers before making a decision?

    Carefully review rewards programs, like cash back or travel miles, when comparing credit cards. Also, consider the rewards rate, interest rates, annual fees, and any additional benefits the card includes.

  • What are the benefits of choosing a credit union's credit card compared to others?

    Our credit cards reward you for making purchases. They feature competitive interest rates and fewer fees than traditional banks. Members benefit from personalized customer service. We work closely with you to understand your financial situation and needs.

  • What if I prefer to make my payments through a pre-authorized automatic payment arrangement (ACH)?

    Please contact TruHome at 844-203-3642 to set up automatic payments or visit here to set them up yourself.

  • What if I prefer to make my payments through the Listerhill Mobile Banking app or Online Banking?

    Unfortunately, when the transfer occurs, mortgages will not be displayed on our app or in online banking, but we are working to bring that functionality ASAP.

    In the meantime, please visit here to view all mortgage information and payment options.