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Cost of Living Comparison 2026

Data: HUD rent estimates, BLS cost of living

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Numbers update automatically as you type

You'd spend $1.3K/month more in Nashville, TN

$150.0K in your current city equals $165.4K in Nashville, TN

Rent data from HUD ZIP-level estimates · COL index from Des Moines-West Des Moines, IA area
Overall Cost
17.1%
More expensive
Monthly Impact
$1,286
Extra cost
Annual Impact
$15.4K
Per year

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

Ames, IA

Population:66K
Cost Index:
100
100 = national average
Median Home:$264K

Nashville, TN

Population:689K
Cost Index:
117
(17% above avg)
Median Home:$489K

Ames, IA

The Hawkeye State

66K
Population
State Tax
Yes

Located in Iowa, this city has a population of 66K 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: Ames, IA vs Nashville, TN

Housing
45.0%
Ames, IA
$1,828
Nashville, TN
$2,651
Difference
$823
more
Other
23.7%
Ames, IA
$1,570
Nashville, TN
$1,942
Difference
$372
more
Transportation
5.7%
Ames, IA
$1,214
Nashville, TN
$1,284
Difference
$69.60
more
Healthcare
9.9%
Ames, IA
$674
Nashville, TN
$607
Difference
$66.46
less
All Utilities
11.8%
Ames, IA
$464
Nashville, TN
$519
Difference
$54.62
more
Groceries
5.6%
Ames, IA
$899
Nashville, TN
$949
Difference
$50.50
more

🏠Rent Comparison

Studio
From$859
To$1,600
$741
1 Bed
From$905
To$1,680
$775
2 Bed
From$1,021
To$1,840
$819
3 Bed
From$1,420
To$2,350
$930
Ames, IAZIP-level data

1BR range: $1,020$1,160/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.

$6,649
Monthly in Ames, IA
$7,952
Monthly in Nashville, TN
$1,303
Difference

Home Values

Ames
Nashville
$264K
Median Value
$489K
↑ +2.9%
YoY Change
↓ -2.1%
↑ +21.9%
5-Year Change
↑ +32.1%
$258K - $269K
Price Range
$320K - $1.16M

Homes in Nashville are 85% more expensive than Ames

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
$10.7K
Per year
Monthly Difference
$892
More take-home
Effective Rate Diff
7.1%
Rate difference

Ames, IA

Federal Income Tax
Effective: 18.9%
$25.5K
Iowa State Tax
Effective: 7.1%
$10.7K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 31.8%
$47.7K
Take-Home Pay
$8,524/month
$102.3K

Nashville, TN

Federal Income Tax
Effective: 18.9%
$25.5K
Tennessee State Tax
No state income tax
$0
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

Ames, IA Tax Rates

Sales Tax:7.4%
Property Tax:1.5%

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.

Environment

Ames
Nashville
45 Good
Air Quality
50 Good
67.5%
Good Air Days
51.6%
92 Moderate
Climate Risk
97 High
🌡🌪
Top Hazards
🌊🫨🌪
+3.4°F
2050 Outlook
+2.8°F
25 days
Heat Days >95°F
42 days
+3.4°F
2050 Outlook
+2.8°F
25 days
Heat Days >95°F
42 days

What to Consider When Moving from Ames, IA to Nashville, TN

Relocating from Ames, IA to Nashville, TN involves more than just comparing rent prices. While the overall cost of living is roughly 17% higher in Nashville, TN, your actual experience will depend on your lifestyle, job situation, and priorities. Here are the key factors to weigh before making the move.

Housing & Rent

Housing is typically the largest line item in any budget, and it’s where the biggest differences show up between cities. In this comparison, housing in Nashville, TN is 45% more expensive than in Ames, IA. Keep in mind that neighborhood choice within a city can swing rent by 30–50%, so research specific areas — not just city averages — before signing a lease. If you’re buying, factor in property tax rates, which vary significantly by county and state.

Job Market & Salary Adjustments

A lower cost of living doesn’t help if your salary drops proportionally. Before committing to a move, research whether employers in Nashville, TN pay comparable wages for your role. Remote workers may keep their current salary, but some companies adjust pay based on location. Use the salary calculator above to see what you’d need to earn in Nashville, TN to match your current standard of living in Ames, IA.

Taxes & Take-Home Pay

State income tax, property tax, and sales tax all affect how far your paycheck stretches. Some states have no income tax but make up for it with higher property or sales taxes. The tax comparison section above breaks down how your take-home pay would change. Don’t forget about vehicle registration fees, tolls, and other state-specific costs that add up over a year.

Quality of Life & Lifestyle Fit

Numbers only tell part of the story. Consider climate preferences, commute times, proximity to family, school quality if you have children, healthcare access, and the general “feel” of a city. A place that’s 15% cheaper might not be worth it if it means a longer commute or fewer amenities you value. If possible, visit Nashville, TN for a week before making a final decision — experiencing the day-to-day rhythm matters more than any spreadsheet.

Frequently Asked Questions: Ames, IA vs Nashville, TN

Is Nashville, TN cheaper than Ames, IA?

Nashville, TN is approximately 17.1% more expensive than Ames, IA overall. On a $150,000 salary, that translates to roughly $1,286/month in additional expenses. Housing is the biggest factor, costing 45% more in Nashville, TN.

What salary do I need in Nashville, TN to match my lifestyle in Ames, IA?

If you currently earn $150,000 in Ames, IA, you would need approximately $165,427 in Nashville, TN to maintain the same standard of living. This accounts for differences in housing, groceries, transportation, utilities, healthcare, and other typical expenses. Use the salary input above to adjust this based on your actual income.

How does rent compare between Ames, IA and Nashville, TN?

A two-bedroom apartment averages $1,021/month in Ames, IA compared to $1,840/month in Nashville, TN. One-bedroom apartments are $905/month in Ames, IA vs $1,680/month in Nashville, TN. These are area-wide medians — specific neighborhoods can vary significantly. Check the ZIP-level rent breakdown above for more granular data.

Are groceries more expensive in Ames, IA or Nashville, TN?

Groceries are about 6% more expensive in Nashville, TN than in Ames, IA, which adds roughly $50.50/month to a typical household budget. This covers common items like produce, dairy, meat, and pantry staples based on BLS consumer expenditure data.

What is the best time to move from Ames, IA to Nashville, TN?

Most people find that moving during the off-season (October through March) results in lower moving costs, since demand for movers and rental trucks drops. If you're renting, you may also find more negotiable lease terms during winter months. However, if you have school-age children, summer moves allow for a smoother school transition. For the best combination of availability and price, consider moving in early fall or late spring.

💰 See how taxes change too — compare take-home pay between Iowa and Tennessee on TaxTakeHome.com

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