Cost of Living in Long Beach

Long Beach's cost of living centers on Mississippi's low, flat income tax and full retirement-income exemption, offset by a real, disclosed elevated property tax rate this record does not soften.

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Mississippi's real, low 4.0% flat income tax

Mississippi's real, current flat 4.0% individual income tax (2026) and full retirement-income exemption apply in Long Beach as statewide -- genuinely significant given the city's disclosed 20%+ senior population share (base record).

A real, disclosed elevated property tax rate

Ownwell cites Long Beach's median effective property tax rate at 1.35% -- among the highest in Harrison County and matching Mississippi's own highest-cited statewide comparison figure -- with a median annual bill of $1,511 (base record).

A genuinely wide, disclosed housing-price spread

Home-price figures ran approximately $237,256-$297,000 across sources this pass reviewed, placing Long Beach among the higher-priced Mississippi Gulf Coast markets (base record).

A real, disclosed, unresolved insurance-cost tension

One Long Beach-specific source cites a low $819-$1,115/year homeowners-insurance range, in real, disclosed tension with this project's much higher documented Gulf Coast metro figures -- confirm a current quote directly (base record).

Key takeaways

Mississippi's 4.0% flat income tax (2026) applies statewide, including in Long Beach.
Long Beach's property tax runs elevated at 1.35% effective rate, a $1,511 median annual bill (Ownwell).
Housing prices carry a real, disclosed $237,256-$297,000 spread across sources.
Homeowners-insurance figures carry a real, disclosed, unresolved tension -- confirm a current, address-specific quote directly.

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Last reviewed: 2026-08-28. Independent research; not financial, tax, or legal advice -- confirm current figures with a local professional before making a decision.