Is Clarksville, TN cheaper than Chattanooga, TN?

Based on cost of living data, Clarksville, TN is 3.2% more expensive than Chattanooga, TN. This translates to spending an extra $240 per month.

What salary do I need in Clarksville, TN to live like I do in Chattanooga, TN?

If you earn $150,000 in Chattanooga, TN, you'd need approximately $152,879.4 in Clarksville, TN to maintain the same standard of living.

How does housing cost compare between Chattanooga, TN and Clarksville, TN?

Housing in Clarksville, TN is 7.3% more expensive than in Chattanooga, TN. For a two-bedroom apartment, rent is $1,136/month in Clarksville, TN compared to $1,039/month in Chattanooga, TN.

How much can I save per month by moving from Chattanooga, TN to Clarksville, TN?

Living in Clarksville, TN costs approximately $240 more per month than Chattanooga, TN, or $2879 more per year, based on a $150,000 salary.

Chattanooga, TN vs Clarksville, TN: Cost of Living Comparison 2026

Tap to swap

Cost of Living Comparison 2026

Data: HUD rent estimates, BLS cost of living

Current salary in Chattanooga, TN

Numbers update automatically as you type

You'd spend $240/month more in Clarksville, TN

$150.0K in your current city equals $152.9K in Clarksville, TN

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

Overall Cost

↑ 3.2%

More expensive

Monthly Impact

$240

Extra cost

Annual Impact

$2.9K

Per year

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

Chattanooga, TN

Population:187K

Cost Index:

100

100 = national average

Median Home:$357K

Clarksville, TN

Population:181K

Cost Index:

103

(3% above avg)

Median Home:$302K

Chattanooga, TN

The Volunteer State

187K

Population

State Tax

No Income Tax

Located in Tennessee, this city has a population of 187K residents.

💡 Advantage: Tennessee has no state income tax!

Clarksville, TN

The Volunteer State

181K

Population

State Tax

No Income Tax

Located in Tennessee, this city has a population of 181K residents.

💡 Advantage: Tennessee has no state income tax!

Cost Breakdown by Category

Annual spending: Chattanooga, TN vs Clarksville, TN

Category	Chattanooga, TN	Clarksville, TN	Difference	Change
Housing	$2,124/mo	$2,278/mo	↑ $154more	7.3%
Other	$1,731/mo	$1,854/mo	↑ $123more	7.1%
Transportation	$1,302/mo	$1,226/mo	↓ $75.75less	5.8%
All Utilities	$554/mo	$507/mo	↓ $47.14less	8.5%
Healthcare	$558/mo	$593/mo	↑ $35.22more	6.3%
Groceries	$910/mo	$928/mo	↑ $18.03more	2.0%

Housing

↑ 7.3%

Chattanooga, TN

$2,124

Clarksville, TN

$2,278

Difference

$154

Other

↑ 7.1%

Chattanooga, TN

$1,731

Clarksville, TN

$1,854

Difference

$123

Transportation

↓ 5.8%

Chattanooga, TN

$1,302

Clarksville, TN

$1,226

Difference

$75.75

less

All Utilities

↓ 8.5%

Chattanooga, TN

$554

Clarksville, TN

$507

Difference

$47.14

less

Healthcare

↑ 6.3%

Chattanooga, TN

$558

Clarksville, TN

$593

Difference

$35.22

Groceries

↑ 2.0%

Chattanooga, TN

$910

Clarksville, TN

$928

Difference

$18.03

🏠Rent Comparison

Studio

From$902

To$917

↑ $15.00

1 Bed

From$948

To$925

↓ $23.00

2 Bed

From$1,039

To$1,136

↑ $97.00

3 Bed

From$1,299

To$1,583

↑ $284

Chattanooga, TNZIP-level data

1BR range: $1,000–$1,660/mo

Clarksville, TNZIP-level data

1BR range: $1,120–$1,170/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.

$7,179

Monthly in Chattanooga, TN

$7,387

Monthly in Clarksville, TN

$208

Difference

Home Values

Chattanooga

Clarksville

$357K

Median Value

$302K

↓ -1.2%

YoY Change

↓ -0.6%

↑ +38.2%

5-Year Change

↑ +39.6%

$124K - $462K

Price Range

$289K - $393K

Homes in Clarksville are 15% less expensive than Chattanooga

Calculate payment - Chattanooga Calculate payment - Clarksville

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

→ $0

Same taxes

Monthly Difference

Same take-home

Effective Rate Diff

0.0%

Rate difference

Chattanooga, 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

Clarksville, 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

Chattanooga, TN Tax Rates

Sales Tax:9.5%

Property Tax:0.7%

Clarksville, 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.