Is Nashville, TN cheaper than Albany, NY?

Based on cost of living data, Nashville, TN is 7.4% more expensive than Albany, NY. This translates to spending an extra $552 per month.

What salary do I need in Nashville, TN to live like I do in Albany, NY?

If you earn $150,000 in Albany, NY, you'd need approximately $156,618.359 in Nashville, TN to maintain the same standard of living.

How does housing cost compare between Albany, NY and Nashville, TN?

Housing in Nashville, TN is 46.6% more expensive than in Albany, NY. For a two-bedroom apartment, rent is $1,840/month in Nashville, TN compared to $1,276/month in Albany, NY.

How much can I save per month by moving from Albany, NY to Nashville, TN?

Living in Nashville, TN costs approximately $552 more per month than Albany, NY, or $6618 more per year, based on a $150,000 salary.

Albany, NY vs Nashville, TN: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 Albany, NY — ZIP-level rent data · COL adjusted from Newark, NJ area

Current salary in Albany, NY

Numbers update automatically as you type

You'd spend $552/month more in Nashville, TN

$150.0K in your current city equals $156.6K in Nashville, TN

Rent data from HUD ZIP-level estimates · COL index from Albany-Schenectady-Troy, NY area

Overall Cost

↑ 7.4%

More expensive

Monthly Impact

$552

Extra cost

Annual Impact

$6.6K

Per year

Based on monthly living costs (rent, groceries, utilities, transport, healthcare). Home purchase prices shown separately below.

Albany, NY

Population:101K

Cost Index:100

Median Home:$248K

Nashville, TN

Population:689K

Cost Index:107

Median Home:$489K

Albany, NY

The Empire State

101K

Population

State Tax

Yes

Located in New York, this city has a population of 101K residents.

Nashville, TN

The Volunteer State

689K

Population

State Tax

No Income Tax

Climate

Humid subtropical

Notable Facts

•Music City USA
•Country music capital
•Healthcare industry hub

Major Industries

Music IndustryHealthcareTourismFinance

Cost Breakdown by Category

Annual spending: Albany, NY vs Nashville, TN

Category	Albany, NY	Nashville, TN	Difference	Change
🏠Housing	$1,808/mo	$2,651/mo	↑ $843more	46.6%
📦Other	$1,799/mo	$1,942/mo	↑ $142more	7.9%
🚗Transportation	$1,420/mo	$1,284/mo	↓ $136less	9.6%
🛒Groceries	$1,036/mo	$949/mo	↓ $86.73less	8.4%
⚡All Utilities	$561/mo	$519/mo	↓ $42.27less	7.5%
🏥Healthcare	$648/mo	$607/mo	↓ $41.03less	6.3%

🏠Housing

↑ 46.6%

Albany, NY

$1,808

Nashville, TN

$2,651

Difference

$843

📦Other

↑ 7.9%

Albany, NY

$1,799

Nashville, TN

$1,942

Difference

$142

🚗Transportation

↓ 9.6%

Albany, NY

$1,420

Nashville, TN

$1,284

Difference

$136

less

🛒Groceries

↓ 8.4%

Albany, NY

$1,036

Nashville, TN

$949

Difference

$86.73

less

⚡All Utilities

↓ 7.5%

Albany, NY

$561

Nashville, TN

$519

Difference

$42.27

less

🏥Healthcare

↓ 6.3%

Albany, NY

$648

Nashville, TN

$607

Difference

$41.03

less

🏠Rent Comparison

Studio

From$914

To$1,600

↑ $686

1 Bed

From$1,065

To$1,680

↑ $615

2 Bed

From$1,276

To$1,840

↑ $564

3 Bed

From$1,533

To$2,350

↑ $817

Albany, NYZIP-level data

1BR range: $1,180–$1,640/mo

Nashville, TNZIP-level data

1BR range: $1,320–$2,230/mo

💡 Note: Rent prices are based on HUD Fair Market Rent data and represent median costs. Actual prices vary by neighborhood, amenities, and condition. Source: HUD Small Area Fair Market Rents FY2026.

$7,273

Monthly in Albany, NY

$7,952

Monthly in Nashville, TN

$680

Difference

Home Values

Albany

Nashville

$248K

Median Value

$489K

↑ +3.8%

YoY Change

↓ -2.1%

↑ +38.9%

5-Year Change

↑ +32.1%

$168K - $329K

Price Range

$320K - $1.16M

Homes in Nashville are 97% more expensive than Albany

Calculate payment - Albany Calculate payment - Nashville

Source: Zillow Home Value Index (ZHVI), January 2026

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $9.5K

Per year

Monthly Difference

$795

More take-home

Effective Rate Diff

6.4%

Rate difference

Albany, NY

Federal Income Tax

Effective: 18.9%

$25.5K

New York State Tax

Effective: 6.4%

$9.5K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 31.0%

$46.6K

Take-Home Pay

$8,620/month

$103.4K

Nashville, TN

Federal Income Tax

Effective: 18.9%

$25.5K

Tennessee State Tax

No state income tax

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 24.7%

$37.0K

Take-Home Pay

$9,416/month

$113.0K

Additional Tax Information

Albany, NY Tax Rates

Sales Tax:8.8%

Property Tax:1.2%

Nashville, TN Tax Rates

Sales Tax:9.5%

Property Tax:0.7%

💡 Note: Tax calculations are estimates based on 2024/2025 tax brackets for single filers with standard deduction. Actual taxes may vary based on filing status, deductions, credits, and local variations.