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Cost of Living Comparison 2026

Data: HUD rent estimates, BLS cost of living

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You'd spend $348/month more in Murfreesboro, TN

$150.0K in your current city equals $154.2K in Murfreesboro, TN

Rent data from HUD ZIP-level estimates Β· COL index from Raleigh-Cary, NC area
Overall Cost
↑ 4.6%
More expensive
Monthly Impact
$348
Extra cost
Annual Impact
$4.2K
Per year

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

Cary, NC

Population:180K
Cost Index:
100
100 = national average
Median Home:$514K

Murfreesboro, TN

Population:165K
Cost Index:
105
(5% above avg)
Median Home:$400K

Cary, NC

The Tar Heel State

180K
Population
State Tax
Yes

Located in North Carolina, this city has a population of 180K residents.

Murfreesboro, TN

The Volunteer State

165K
Population
State Tax
No Income Tax

Located in Tennessee, this city has a population of 165K residents.

πŸ’‘ Advantage: Tennessee has no state income tax!

Cost Breakdown by Category

Annual spending: Cary, NC vs Murfreesboro, TN

Other
↑ 12.1%
Cary, NC
$1,672
Murfreesboro, TN
$1,873
Difference
$202
more
Housing
↑ 5.8%
Cary, NC
$2,175
Murfreesboro, TN
$2,301
Difference
$126
more
All Utilities
↓ 5.7%
Cary, NC
$541
Murfreesboro, TN
$510
Difference
$30.80
less
Transportation
↓ 1.5%
Cary, NC
$1,257
Murfreesboro, TN
$1,239
Difference
$18.37
less
Groceries
↓ 1.8%
Cary, NC
$949
Murfreesboro, TN
$932
Difference
$16.77
less
Healthcare
↑ 0.3%
Cary, NC
$595
Murfreesboro, TN
$596
Difference
$1.72
more

🏠Rent Comparison

Studio
From$1,281
To$1,168
↓ $113
1 Bed
From$1,344
To$1,222
↓ $122
2 Bed
From$1,473
To$1,341
↓ $132
3 Bed
From$1,847
To$1,714
↓ $133
Cary, NCZIP-level data

1BR range: $1,480–$1,750/mo

Murfreesboro, TNZIP-level data

1BR range: $1,340–$1,640/mo

πŸ’‘ 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.

$7,188
Monthly in Cary, NC
$7,452
Monthly in Murfreesboro, TN
$264
Difference

Home Values

Cary
Murfreesboro
$514K
Median Value
$400K
↓ -2.1%
YoY Change
0%
↑ +44%
5-Year Change
↑ +35.5%
$481K - $548K
Price Range
$364K - $436K

Homes in Murfreesboro are 22% less expensive than Cary

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
↑ $7.1K
Per year
Monthly Difference
$594
More take-home
Effective Rate Diff
4.7%
Rate difference

Cary, NC

Federal Income Tax
Effective: 18.9%
$25.5K
North Carolina State Tax
Effective: 4.8%
$7.1K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 29.4%
$44.1K
Take-Home Pay
$8,822/month
$105.9K

Murfreesboro, 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

Cary, NC Tax Rates

Sales Tax:7.1%
Property Tax:0.8%

Murfreesboro, TN Tax Rates

Sales Tax:9.5%
Property Tax:0.7%

πŸ’‘ 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

Cary
Murfreesboro
46 Good
Air Quality
50 Good
61.7%
Good Air Days
51.6%
96 High
Climate Risk
97 High
🌊🌑πŸŒͺ
Top Hazards
🌊🫨πŸŒͺ
β–²+2.8Β°F
2050 Outlook
β–²+2.8Β°F
31 days
Heat Days >95Β°F
42 days
β–²+2.8Β°F
2050 Outlook
β–²+2.8Β°F
31 days
Heat Days >95Β°F
42 days

What to Consider When Moving from Cary, NC to Murfreesboro, TN

Relocating from Cary, NC to Murfreesboro, TN involves more than just comparing rent prices. While the overall cost of living is roughly 5% higher in Murfreesboro, 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 Murfreesboro, TN is 6% more expensive than in Cary, NC. Keep in mind that neighborhood choice within a city can swing rent by 30–50%, so research specific areas β€” not just city averages β€” 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 Murfreesboro, 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 Murfreesboro, TN to match your current standard of living in Cary, NC.

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 β€œfeel” 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 Murfreesboro, TN for a week before making a final decision β€” experiencing the day-to-day rhythm matters more than any spreadsheet.

Frequently Asked Questions: Cary, NC vs Murfreesboro, TN

Is Murfreesboro, TN cheaper than Cary, NC?

Murfreesboro, TN is approximately 4.6% more expensive than Cary, NC overall. On a $150,000 salary, that translates to roughly $348/month in additional expenses. Housing is the biggest factor, costing 6% more in Murfreesboro, TN.

What salary do I need in Murfreesboro, TN to match my lifestyle in Cary, NC?

If you currently earn $150,000 in Cary, NC, you would need approximately $154,171 in Murfreesboro, 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 Cary, NC and Murfreesboro, TN?

A two-bedroom apartment averages $1,473/month in Cary, NC compared to $1,341/month in Murfreesboro, TN. One-bedroom apartments are $1,344/month in Cary, NC vs $1,222/month in Murfreesboro, TN. These are area-wide medians β€” specific neighborhoods can vary significantly. Check the ZIP-level rent breakdown above for more granular data.

Are groceries more expensive in Cary, NC or Murfreesboro, TN?

Groceries are about 2% cheaper in Murfreesboro, TN than in Cary, NC, saving a typical household roughly $16.77/month on food.

What is the best time to move from Cary, NC to Murfreesboro, 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.

πŸ’° See how taxes change too β€” compare take-home pay between North Carolina and Tennessee on TaxTakeHome.com

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