Is Nashville, TN cheaper than Carmichael, CA?

Based on cost of living data, Nashville, TN is 8.2% cheaper than Carmichael, CA. This translates to saving $616 per month.

What salary do I need in Nashville, TN to live like I do in Carmichael, CA?

If you earn $150,000 in Carmichael, CA, you'd need approximately $142,610.132 in Nashville, TN to maintain the same standard of living.

How does housing cost compare between Carmichael, CA and Nashville, TN?

Housing in Nashville, TN is 16.2% cheaper than in Carmichael, CA. For a two-bedroom apartment, rent is $1,840/month in Nashville, TN compared to $1,508/month in Carmichael, CA.

How much can I save per month by moving from Carmichael, CA to Nashville, TN?

Moving from Carmichael, CA to Nashville, TN could save you approximately $616 per month, or $7390 per year, based on a $150,000 salary.

Carmichael, CA vs Nashville, TN: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 Carmichael, CA — COL adjusted from Sacramento, CA area + state data

Current salary in Carmichael, CA

Numbers update automatically as you type

You'd save $616/month moving to Nashville, TN

$150.0K in your current city equals $142.6K in Nashville, TN

Rent data from HUD ZIP-level estimates · COL index from area

Overall Cost

↓ 8.2%

Less expensive

Monthly Impact

$616

Savings

Annual Impact

$7.4K

Per year

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

Carmichael, CA

Population:80K

Cost Index:100

Median Home:$460K

Nashville, TN

Population:689K

Cost Index:92

Median Home:$489K

Carmichael, CA

The Golden State

80K

Population

State Tax

Yes

Located in California, this city has a population of 80K 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: Carmichael, CA vs Nashville, TN

Category	Carmichael, CA	Nashville, TN	Difference	Change
🏠Housing	$3,163/mo	$2,651/mo	↓ $512less	16.2%
📦Other	$1,734/mo	$1,942/mo	↑ $208more	12.0%
🛒Groceries	$1,037/mo	$949/mo	↓ $88.03less	8.5%
🚗Transportation	$1,363/mo	$1,284/mo	↓ $78.48less	5.8%
🏥Healthcare	$607/mo	$607/mo	↑ $0.41more	0.1%
⚡All Utilities	$519/mo	$519/mo	↑ $0.03more	0.0%

🏠Housing

↓ 16.2%

Carmichael, CA

$3,163

Nashville, TN

$2,651

Difference

$512

less

📦Other

↑ 12.0%

Carmichael, CA

$1,734

Nashville, TN

$1,942

Difference

$208

🛒Groceries

↓ 8.5%

Carmichael, CA

$1,037

Nashville, TN

$949

Difference

$88.03

less

🚗Transportation

↓ 5.8%

Carmichael, CA

$1,363

Nashville, TN

$1,284

Difference

$78.48

less

🏥Healthcare

↑ 0.1%

Carmichael, CA

$607

Nashville, TN

$607

Difference

$0.41

⚡All Utilities

↑ 0.0%

Carmichael, CA

$519

Nashville, TN

$519

Difference

$0.03

🏠Rent Comparison

Studio

From$1,019

To$1,600

↑ $581

1 Bed

From$1,182

To$1,680

↑ $498

2 Bed

From$1,508

To$1,840

↑ $332

3 Bed

From$2,120

To$2,350

↑ $230

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.

$8,423

Monthly in Carmichael, CA

$7,952

Monthly in Nashville, TN

$470

Difference

Home Values

Carmichael

Nashville

Median Value

$489K

YoY Change

↓ -2.1%

5-Year Change

↑ +32.1%

Price Range

$320K - $1.16M

Calculate payment - Nashville

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $10.6K

Per year

Monthly Difference

$886

More take-home

Effective Rate Diff

7.1%

Rate difference

Carmichael, CA

Federal Income Tax

Effective: 18.9%

$25.5K

California State Tax

Effective: 7.1%

$10.6K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 31.8%

$47.6K

Take-Home Pay

$8,530/month

$102.4K

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

Carmichael, CA Tax Rates

Sales Tax:10.5%

Property Tax:0.8%

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.