Moving from Pensacola to Memphis (2026)
Memphis has a COL index of 83 vs 88 for Pensacola (100 = US average). You'd pay about 6% less for the same lifestyle.
Save ~$217/mo
on core expenses · $75K salary baseline
Key differences
COL index
8883
100 = US avg
1BR rent
$1,300$1,100
per month
State tax
NoneNone
income tax
Take-home at $75K
$4,741$4,741
per month
Salary needed in Memphis to match your Pensacola lifestyle
Based on the 6% cost of living decrease between the two cities.
| Your salary in Pensacola | Equivalent in Memphis |
|---|---|
| $40K | $37,727 |
| $50K | $47,159 |
| $60K | $56,591 |
| $75K | $70,739 |
| $80K | $75,455 |
| $100K | $94,318 |
| $120K | $113,182 |
| $150K | $141,477 |
Monthly budget at $75K — Pensacola vs Memphis
| Expense | Pensacola | Memphis |
|---|---|---|
| Monthly take-home | $4,741 | $4,741 |
| 1BR rent | $1,300 | $1,100 |
| Groceries | $361 | $357 |
| Transport | $45 | $55 |
| Utilities | $188 | $170 |
| Internet | $60 | $55 |
| Left after essentials | $2,787 | $3,004 |
Frequently asked questions
Is Memphis cheaper than Pensacola?
Yes. Memphis has a cost of living index of 83 vs 88 for Pensacola (100 = US average). That's about 6% cheaper.
How much will I save moving from Pensacola to Memphis?
On a $75K salary, moving from Pensacola to Memphis could save roughly $217/month on core expenses. That's ~$2,604/year.
What salary do I need in Memphis to match my Pensacola lifestyle?
To maintain the same purchasing power as $75,000 in Pensacola, you'd need roughly $70,739/year in Memphis. This is based on the overall COL index difference between the two cities.
Moving from Memphis to PensacolaPensacola vs Memphis — full comparisonPensacola cost of livingMemphis cost of living
Estimates based on Q1 2026 COL index and market data. Budget uses simplified federal/state tax rates at $75K. Zillow · BLS · Numbeo · For general guidance only