TENNESSEE · 38TH OF 51

Cost of living in Tennessee

Prices, pay, taxes, homes and family budgets, county by county, from the same official data the site's calculators use.

The short answer: Prices in Tennessee run 8.1% below the national average, 38th most expensive of the 50 states and DC. Rents run 20.9% below the national average. The median worker earns $47,380 a year. A typical home in the median Tennessee county is worth $257,327.
Prices

How far a dollar goes in Tennessee.

The Bureau of Economic Analysis measures price levels in every state against a national average of 100. Tennessee scores 91.9 overall, so a $75,000 salary at average US prices buys what $68,903 buys here. Compare any salary with another state.

Price levelTennessee (US = 100)Rank, most expensive first
Everything91.938th of 51
Rents79.133rd of 51
Goods96.2—
Other services95.1—

Home electricity averaged 12.42 cents a kilowatt-hour in 2024, against 17.06 across all states. A gallon of regular gas cost $3.67 at the end of August 2026, against $4.12.

Pay and taxes

What people earn, and what they keep.

Across all 3,278,760 jobs the Bureau of Labor Statistics counts in Tennessee, the median pay is $47,380 a year, or $22.78 an hour; that ranks 41st of the 50 states and DC. One worker in ten earns less than $28,600 and one in ten more than $103,130.

Tennessee has no state income tax on wages. More on taxes in Tennessee. A single filer on the median $47,380, with no retirement or health deductions, takes home about $40,250 a year, or $1,548 every two weeks, after $3,506 of federal income tax, $3,625 of Social Security and Medicare. Work out your own paycheck in Tennessee.

$47,380
median pay, all jobs
$22.78
median hourly pay
$40,250
take-home on the median, single filer
None
state income tax on wages
Jobs

The most common jobs in Tennessee.

The five occupations employing the most people, with their median annual pay:

Of the 20 largest occupations, the best paid are general and operations managers ($106,970), registered nurses ($81,500), first-line supervisors of office and administrative support workers ($66,390). See what common jobs pay in every state.

Housing

What a home costs, and who can afford one.

Across the 95 Tennessee counties with their own Zillow home value, the median typical home is worth $257,327, and across the 44 with their own rent figure the median typical rent is $1,488 a month. A typical home costs 3.74 years of the county's median family income, at the median county.

With 10% down at 7.03%, the average 30-year rate on September 24, 2026, that home costs about $2,068 a month with tax, insurance and mortgage insurance, which takes $88,619 a year of income under the usual 28% guideline. The median family can afford its own county's typical home in 14.7% of Tennessee's counties, against 44.9% of counties nationally. Try it with your own income.

At the median county, home values changed +3.1% over the past year and +31.2% over five years, and rents +1.7% over the past year.

The most expensive Tennessee counties are Williamson County ($920,938), Wilson County ($505,397) and Loudon County ($452,441); the least expensive are Lake County ($112,338), Lauderdale County ($139,044) and Hardeman County ($165,060).

What a household needs

A modest budget, priced county by county.

The Economic Policy Institute prices what a modest but adequate standard of living costs in every county: housing, food, transport, healthcare, childcare, other necessities and taxes. In the median Tennessee county, that comes to $43,152 a year for one adult and $88,416 for two adults and two children, of which $12,015 is childcare. The national averages are $47,367 and $101,771. Median family income in the median county is $71,662.

Two adults, two childrenPer year, median countyPer month
Housing$11,236$936
Food$11,950$996
Transportation$18,659$1,555
Healthcare$18,208$1,517
Childcare$12,015$1,001
Other necessities$7,194$600
Taxes$8,342$695

Each line is its own median across counties, so the lines do not add up exactly to the total.

College

What college costs here.

The Department of Education's College Scorecard lists 145 colleges in Tennessee, 47 of them public. The median public college reports a cost of attendance of $16,401 a year, covering tuition, housing, books and other expenses. Ten years after enrolling, the median school's former students earn $38,610. Compare degrees and schools.

Every county

All 95 counties.

Show the table
Anderson County$317,764+3.9%$1,652$83,282$97,350
Bedford County$333,436+1.3%$1,419$72,660$90,046
Benton County$191,556+8.6%—$68,196$85,207
Bledsoe County$249,889+9.4%—$59,891$86,027
Blount County$398,263+2.3%$1,850$90,224$100,678
Bradley County$321,012+2.0%$1,415$79,394$94,780
Campbell County$243,998+3.6%—$67,252$82,099
Cannon County$326,941+7.8%—$73,441$90,023
Carroll County$182,643+1.7%—$73,122$84,711
Carter County$242,472−0.5%$1,192$63,514$82,230
Cheatham County$400,290+1.6%$1,641$95,330$107,066
Chester County$168,583+0.8%—$68,614$83,847
Claiborne County$229,487+5.4%—$63,456$83,962
Clay County$213,737+7.9%—$61,757$87,804
Cocke County$243,513+5.6%$1,250$54,527$83,023
Coffee County$313,451+2.7%$1,538$70,731$89,844
Crockett County$196,256+8.4%—$73,958$86,636
Cumberland County$311,747+0.7%$1,481$69,744$88,488
Davidson County$432,558−3.1%$1,833$96,175$110,294
Decatur County$187,545+6.7%—$62,181$85,002
DeKalb County$300,363+1.9%—$63,622$88,091
Dickson County$364,429+2.2%$1,700$84,186$96,027
Dyer County$176,890+1.5%$805$67,403$84,975
Fayette County$375,258−0.5%$2,127$101,049$94,929
Fentress County$250,102+3.1%—$57,083$87,928
Franklin County$319,085+3.0%$1,267$76,785$86,582
Gibson County$183,690+2.3%$1,326$71,228$82,005
Giles County$252,905+3.1%—$82,604$88,549
Grainger County$284,555+5.3%—$66,264$83,453
Greene County$253,591+2.9%$1,140$71,662$88,627
Grundy County$207,775+3.6%—$52,772$85,782
Hamblen County$274,494+4.5%$1,464$70,052$83,207
Hamilton County$355,721−0.8%$1,533$95,586$102,089
Hancock County$180,026+12.4%—$48,165$84,638
Hardeman County$165,060+6.4%—$67,892$84,312
Hardin County$211,298+3.6%—$56,576$85,218
Hawkins County$251,909+5.4%$1,189$66,632$83,875
Haywood County$178,303+2.0%—$60,900$83,395
Henderson County$217,878+8.7%—$71,775$84,960
Henry County$222,433+7.5%$975$65,316$88,239
Hickman County$187,605+5.8%—$67,158$91,295
Houston County$231,861+6.6%—$71,667$90,192
Humphreys County$255,185+5.4%—$75,629$90,468
Jackson County$233,300+2.1%—$59,234$89,719
Jefferson County$339,551+1.9%$1,591$77,799$86,964
Johnson County$248,754+2.6%—$66,747$86,320
Knox County$381,776+1.2%$1,753$94,921$103,004
Lake County$112,338+1.7%—$39,522$84,031
Lauderdale County$139,044+14.0%—$59,853$83,114
Lawrence County$251,269+4.8%—$67,842$88,416
Lewis County$253,376+4.4%—$70,610$90,226
Lincoln County$265,040+4.2%—$78,186$87,751
Loudon County$452,441+0.9%$1,737$93,337$98,370
Macon County$267,448+3.9%—$71,834$87,296
Madison County$230,042−0.9%$1,434$75,841$94,314
Marion County$261,852+1.4%—$67,433$89,191
Marshall County$327,691+3.4%$1,607$88,053$91,006
Maury County$406,435+1.1%$1,694$88,563$104,727
McMinn County$260,985+4.2%$1,085$71,974$86,067
McNairy County$174,065+4.9%—$63,921$84,605
Meigs County$304,991+4.5%—$72,191$85,571
Monroe County$289,683+5.6%$1,168$73,828$83,474
Montgomery County$322,648+0.1%$1,387$86,662$99,066
Moore County$362,877+9.4%—$83,590$91,798
Morgan County$213,178+4.2%—$73,988$85,684
Obion County$168,015+7.0%—$67,717$84,031
Overton County$257,327+5.2%—$68,565$88,213
Perry County$171,775+0.2%—$61,712$90,921
Pickett County$255,058+3.1%—$62,788$88,720
Polk County$256,267+6.7%$1,400$77,435$84,436
Putnam County$317,212+1.7%$1,495$74,175$92,276
Rhea County$264,669+3.9%$1,050$63,537$85,383
Roane County$300,246+4.4%$1,378$84,015$87,888
Robertson County$372,943+0.4%$1,720$90,630$105,379
Rutherford County$419,031−0.6%$1,709$96,860$109,769
Scott County$186,594+2.1%—$53,423$82,648
Sequatchie County$287,696+3.0%—$62,179$92,085
Sevier County$408,301−0.8%$1,620$77,896$93,419
Shelby County$219,859−1.4%$1,372$80,849$96,587
Smith County$309,970+3.5%—$78,868$88,728
Stewart County$248,778−0.8%—$82,226$88,553
Sullivan County$261,681−0.4%$1,328$74,563$90,600
Sumner County$446,556+0.5%$1,675$103,326$109,642
Tipton County$275,472+1.9%$1,858$84,489$91,980
Trousdale County$361,700+3.8%—$82,866$89,697
Unicoi County$248,325+4.4%—$63,258$82,592
Union County$297,661+3.1%—$71,211$90,854
Van Buren County$231,565+1.7%—$69,262$87,947
Warren County$258,361+1.8%—$64,962$87,440
Washington County$311,424+1.1%$1,516$82,020$93,017
Wayne County$182,772+6.0%—$68,812$88,508
Weakley County$195,643+7.9%$966$66,024$83,934
White County$284,877+6.8%—$68,157$89,513
Williamson County$920,938+1.7%$2,183$153,397$127,011
Wilson County$505,397+0.4%$1,875$109,979$111,683

A dash means the source publishes no figure for that county. Home values and rents are Zillow's own county figures only; counties Zillow does not cover are left blank rather than filled with a state average.

Metro areas

The largest metro areas in Tennessee.

Nashville, TN (typical rent $1,820), Memphis, TN (typical rent $1,422), Knoxville, TN (typical rent $1,747).

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More about Tennessee

Cost of living · Income tax · Child care costs

Run the numbersTake-home pay in Tennessee · What a salary is worth in Tennessee · How much rent you can afford · What a car costs in Tennessee

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Where this comes from
Prices
Bureau of Economic Analysis, Regional Price Parities by State, 2024. Electricity: EIA average residential price, 2024. Gas: AAA state averages, August 30, 2026.
Pay
Bureau of Labor Statistics, Occupational Employment and Wage Statistics, May 2025, all occupations. Take-home uses the paycheck calculator's 2026 federal tables and the state's own tax tables.
Homes and rents
Zillow Home Value Index and Observed Rent Index by county, July 2026. Mortgage rate: Freddie Mac, 7.03% on September 24, 2026; 1.1% property tax and $1,700 a year of insurance assumed.
Budgets and family income
Economic Policy Institute, Family Budget Calculator, 2026 edition, by county.
Jobs and colleges
BLS OEWS May 2025 by occupation. U.S. Department of Education College Scorecard, latest cohort. Home value and rent changes compare Zillow's latest month with the same month one and five years earlier.

County figures are medians across Tennessee's counties, each counting once, so they describe the spread of places rather than of people. Property tax and insurance vary widely; the calculators let you use your own.

Keep reading
Cost of Living Calculator
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Home Affordability Calculator
The most house your income and debts support, and what it costs monthly.
Paycheck Calculator
Take-home pay after federal, state and FICA withholding.