Rows tagged local are specific to Horn Lake (Census ACS); state rows are state averages; metro-area rows are inherited from Memphis, TN. Home value is ACS owner-reported (not a Zillow sale price).
School score: 6/10 (district Desoto Co School Dist · NCES EDFacts)
Cost of living
Metric
Value
Scope
US rank
Cost-of-living index (US=100)
91.9
metro-area
#58 of 200 metros
Grocery index (US=100)
94.3
metro-area
#45 of 200 metros
Big Mac price (est.)
$5.23
metro-area
#55 of 200 metros
Median household income
$57,111
local
#2734 of 3,220 cities
Median wage (all occupations)
$34,380
local
#2667 of 3,220 cities
Economy
Metric
Value
Scope
US rank
Unemployment rate
7.91%
local
#2814 of 3,220 cities
Population growth (5-yr)
-0.6%
local
#2452 of 3,220 cities
Housing — what your money buys
Metric
Value
Scope
US rank
Median home price
$146,300
local
#224 of 3,220 cities
Home price ÷ income (affordability)
2.6×
local
#327 of 3,220 cities
1-yr home appreciation
+0.1%
metro-area
#135 of 200 metros
Price per square foot
$71
local
#156 of 3,220 cities
Typical home size (implied)
2,049 sqft
Median rent (monthly)
$1,251
local
#1122 of 3,220 cities
Homes for sale (inventory)
6,017
Median days on market
24
metro-area
#137 of 200 metros
Taxes
Metric
Value
Scope
US rank
Total tax burden (est. % of income)
9.8%
state
#2 of 200 metros
Combined sales tax
7.07%
state
#189 of 200 metros
State income tax (top rate)
4.40%
Capital gains tax
4.70%
state
#1 of 200 metros
High earners
No special surtax
Effective property tax rate
0.75%
local
#901 of 3,220 cities
Median property tax paid
$1,099
local
#148 of 3,220 cities
Healthcare & childcare
Metric
Value
Scope
US rank
Healthcare (annual, single adult)
$6,300
state
#17 of 200 metros
Childcare (annual, infant, center)
$6,000
state
#25 of 200 metros
Vehicles & commute
Metric
Value
Scope
US rank
Annual registration
$60
state
#13 of 200 metros
Vehicle property tax (annual)
3.42% of value (~$958/yr)
state
#1 of 200 metros
Emissions testing
Not required
Emissions detail
No vehicle emissions testing
DMV & license offices
7
Avg commute to work
26 min
local
#1336 of 3,220 cities
Utilities & fuel
Metric
Value
Scope
US rank
Electricity
16.8¢/kWh
state
#32 of 200 metros
Avg monthly electric bill
$151
state
#32 of 200 metros
Gasoline
$2.90/gal
state
#3 of 200 metros
Natural gas (avg monthly bill)
$58
state
#69 of 200 metros
Water & sewer (avg monthly bill)
$93
state
#132 of 200 metros
Home internet (avg monthly bill)
$75
state
#106 of 200 metros
Insurance
Metric
Value
Scope
US rank
Home insurance (annual)
$3,100
state
#129 of 200 metros
Auto insurance (annual)
$1,900
state
#51 of 200 metros
Disaster risk & supplemental insurance
Metric
Value
Scope
US rank
Main natural hazards
Notable hazards: hurricanes, flooding, tornadoes — separate flood/quake/windstorm policies may be needed.
Flood insurance (annual, NFIP)
$900
state
#61 of 200 metros
Earthquake insurance (annual)
$100
state
#149 of 200 metros
Climate & air quality
Metric
Value
Scope
US rank
Air quality (median AQI, lower=cleaner)
56
metro-area
#181 of 200 metros
Cooling degree-days (AC load)
1,700
metro-area
#128 of 200 metros
Heating degree-days (heat load)
3,600
metro-area
#94 of 200 metros
Avg summer high
89°F
metro-area
#113 of 200 metros
Avg winter low
30°F
metro-area
#89 of 200 metros
Annual precipitation
54.9"
metro-area
#182 of 200 metros
Annual snowfall
2.7"
metro-area
#76 of 200 metros
Sunshine (% of possible)
64%
metro-area
#59 of 200 metros
Plant hardiness zone
7a
Frost window
04-10 → 11-01
Safety
Metric
Value
Scope
US rank
Violent crime (per 100k, state avg)
280
state
#185 of 200 metros
Property crime (per 100k, state avg)
2,200
state
#157 of 200 metros
Local amenities & recreation
Metric
Value
Scope
US rank
Grocery stores
37
metro-area
#128 of 200 metros
Parks
55
Hiking areas
12
Golf courses
18
Shooting ranges
5
Lakes
12
Permits
Metric
Value
Scope
US rank
Building permit difficulty (1–5)
2
state
#1 of 200 metros
Permit detail
Generally easy
US rank = this metro's position among all 200 metros (1 = best: cheapest / safest / highest income, etc.). Childcare is a family cost, not included in the salary-equivalence total.