Is Nashville, TN cheaper than Charlotte, NC?

Based on cost of living data, Nashville, TN is 6.2% more expensive than Charlotte, NC. This translates to spending an extra $464 per month.

What salary do I need in Nashville, TN to live like I do in Charlotte, NC?

If you earn $150,000 in Charlotte, NC, you'd need approximately $155,567.01 in Nashville, TN to maintain the same standard of living.

How does housing cost compare between Charlotte, NC and Nashville, TN?

Housing in Nashville, TN is 7.4% more expensive than in Charlotte, NC. For a two-bedroom apartment, rent is $1,840/month in Nashville, TN compared to $1,870/month in Charlotte, NC.

How much can I save per month by moving from Charlotte, NC to Nashville, TN?

Living in Nashville, TN costs approximately $464 more per month than Charlotte, NC, or $5567 more per year, based on a $150,000 salary.

Charlotte, NC vs Nashville, TN: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

Current salary in Charlotte, NC

Numbers update automatically as you type

You'd spend $464/month more in Nashville, TN

$150.0K in your current city equals $155.6K in Nashville, TN

Rent data from HUD ZIP-level estimates · COL index from Charlotte-Concord-Gastonia, NC-SC area

Overall Cost

↑ 6.2%

More expensive

Monthly Impact

$464

Extra cost

Annual Impact

$5.6K

Per year

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

Charlotte, NC

Population:875K

Cost Index:100

Median Home:$399K

Nashville, TN

Population:689K

Cost Index:106

Median Home:$489K

Charlotte, NC

The Tar Heel State

875K

Population

State Tax

Yes

Climate

Humid subtropical

Notable Facts

•Major banking center
•NASCAR headquarters
•Queen City

Major Industries

FinanceTechnologyEnergyMotorsports

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: Charlotte, NC vs Nashville, TN

Category	Charlotte, NC	Nashville, TN	Difference	Change
📦Other	$1,707/mo	$1,942/mo	↑ $234more	13.7%
🏠Housing	$2,469/mo	$2,651/mo	↑ $182more	7.4%
🚗Transportation	$1,202/mo	$1,284/mo	↑ $81.96more	6.8%
🛒Groceries	$989/mo	$949/mo	↓ $39.97less	4.0%
🏥Healthcare	$638/mo	$607/mo	↓ $30.98less	4.9%
⚡All Utilities	$519/mo	$519/mo	→ $0	0.0%

📦Other

↑ 13.7%

Charlotte, NC

$1,707

Nashville, TN

$1,942

Difference

$234

🏠Housing

↑ 7.4%

Charlotte, NC

$2,469

Nashville, TN

$2,651

Difference

$182

🚗Transportation

↑ 6.8%

Charlotte, NC

$1,202

Nashville, TN

$1,284

Difference

$81.96

🛒Groceries

↓ 4.0%

Charlotte, NC

$989

Nashville, TN

$949

Difference

$39.97

less

🏥Healthcare

↓ 4.9%

Charlotte, NC

$638

Nashville, TN

$607

Difference

$30.98

less

⚡All Utilities

→ 0.0%

Charlotte, NC

$519

Nashville, TN

$519

Difference

same

🏠Rent Comparison

Studio

From$1,630

To$1,600

↓ $30.00

1 Bed

From$1,710

To$1,680

↓ $30.00

2 Bed

From$1,870

To$1,840

↓ $30.00

3 Bed

From$2,300

To$2,350

↑ $50.00

Charlotte, NCZIP-level data

1BR range: $1,340–$2,310/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.

$7,525

Monthly in Charlotte, NC

$7,952

Monthly in Nashville, TN

$427

Difference

Home Values

Charlotte

Nashville

$399K

Median Value

$489K

↓ -1.1%

YoY Change

↓ -2.1%

↑ +40.8%

5-Year Change

↑ +32.1%

$293K - $1.57M

Price Range

$320K - $1.16M

Homes in Nashville are 23% more expensive than Charlotte

Calculate payment - Charlotte Calculate payment - Nashville

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

Charlotte, 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

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

Charlotte, NC Tax Rates

Sales Tax:7.1%

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.