Is Nashville, TN cheaper than Chattanooga, TN?

Based on cost of living data, Nashville, TN is 8.1% more expensive than Chattanooga, TN. This translates to spending an extra $605 per month.

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

If you earn $150,000 in Chattanooga, TN, you'd need approximately $157,257.811 in Nashville, TN to maintain the same standard of living.

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

Housing in Nashville, TN is 24.8% more expensive than in Chattanooga, TN. For a two-bedroom apartment, rent is $1,840/month in Nashville, TN compared to $1,039/month in Chattanooga, TN.

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

Living in Nashville, TN costs approximately $605 more per month than Chattanooga, TN, or $7258 more per year, based on a $150,000 salary.

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

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Cost of Living Comparison 2026

📍 Chattanooga, TN — ZIP-level rent data · COL adjusted from Atlanta, GA area

Current salary in Chattanooga, TN

Numbers update automatically as you type

You'd spend $605/month more in Nashville, TN

$150.0K in your current city equals $157.3K in Nashville, TN

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

Overall Cost

↑ 8.1%

More expensive

Monthly Impact

$605

Extra cost

Annual Impact

$7.3K

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

Median Home:$357K

Nashville, TN

Population:689K

Cost Index:108

Median Home:$489K

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!

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: Chattanooga, TN vs Nashville, TN

Category	Chattanooga, TN	Nashville, TN	Difference	Change
🏠Housing	$2,124/mo	$2,651/mo	↑ $527more	24.8%
📦Other	$1,731/mo	$1,942/mo	↑ $211more	12.2%
🏥Healthcare	$558/mo	$607/mo	↑ $49.04more	8.8%
🛒Groceries	$910/mo	$949/mo	↑ $39.65more	4.4%
⚡All Utilities	$554/mo	$519/mo	↓ $35.32less	6.4%
🚗Transportation	$1,302/mo	$1,284/mo	↓ $17.94less	1.4%

🏠Housing

↑ 24.8%

Chattanooga, TN

$2,124

Nashville, TN

$2,651

Difference

$527

📦Other

↑ 12.2%

Chattanooga, TN

$1,731

Nashville, TN

$1,942

Difference

$211

🏥Healthcare

↑ 8.8%

Chattanooga, TN

$558

Nashville, TN

$607

Difference

$49.04

🛒Groceries

↑ 4.4%

Chattanooga, TN

$910

Nashville, TN

$949

Difference

$39.65

⚡All Utilities

↓ 6.4%

Chattanooga, TN

$554

Nashville, TN

$519

Difference

$35.32

less

🚗Transportation

↓ 1.4%

Chattanooga, TN

$1,302

Nashville, TN

$1,284

Difference

$17.94

less

🏠Rent Comparison

Studio

From$902

To$1,600

↑ $698

1 Bed

From$948

To$1,680

↑ $732

2 Bed

From$1,039

To$1,840

↑ $801

3 Bed

From$1,299

To$2,350

↑ $1,051

Chattanooga, TNZIP-level data

1BR range: $1,000–$1,660/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.

$7,179

Monthly in Chattanooga, TN

$7,952

Monthly in Nashville, TN

$773

Difference

Home Values

Chattanooga

Nashville

$357K

Median Value

$489K

↓ -1.2%

YoY Change

↓ -2.1%

↑ +38.2%

5-Year Change

↑ +32.1%

$124K - $462K

Price Range

$320K - $1.16M

Homes in Nashville are 37% more expensive than Chattanooga

Calculate payment - Chattanooga Calculate payment - Nashville

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

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

Chattanooga, TN Tax Rates

Sales Tax:9.5%

Property Tax:0.7%

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.