Is Gainesville, FL cheaper than Clarksville, TN?

Based on cost of living data, Gainesville, FL is 6.5% cheaper than Clarksville, TN. This translates to saving $485 per month.

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

If you earn $150,000 in Clarksville, TN, you'd need approximately $144,181.751 in Gainesville, FL to maintain the same standard of living.

How does housing cost compare between Clarksville, TN and Gainesville, FL?

Housing in Gainesville, FL is 14.6% cheaper than in Clarksville, TN. For a two-bedroom apartment, rent is $1,298/month in Gainesville, FL compared to $1,136/month in Clarksville, TN.

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

Moving from Clarksville, TN to Gainesville, FL could save you approximately $485 per month, or $5818 per year, based on a $150,000 salary.

Clarksville, TN vs Gainesville, FL: Cost of Living Comparison 2026

Tap to swap

Cost of Living Comparison 2026

Data: HUD rent estimates, BLS cost of living

Current salary in Clarksville, TN

Numbers update automatically as you type

You'd save $485/month moving to Gainesville, FL

$150.0K in your current city equals $144.2K in Gainesville, FL

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

Overall Cost

↓ 6.5%

Less expensive

Monthly Impact

$485

Savings

Annual Impact

$5.8K

Per year

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

Clarksville, TN

Population:181K

Cost Index:

100

100 = national average

Median Home:$302K

Gainesville, FL

Population:146K

Cost Index:

(6% below avg)

Median Home:$297K

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!

Gainesville, FL

The Sunshine State

146K

Population

State Tax

No Income Tax

Located in Florida, this city has a population of 146K residents.

💡 Advantage: Florida has no state income tax!

Cost Breakdown by Category

Annual spending: Clarksville, TN vs Gainesville, FL

Category	Clarksville, TN	Gainesville, FL	Difference	Change
Housing	$2,278/mo	$1,946/mo	↓ $332less	14.6%
Other	$1,854/mo	$1,589/mo	↓ $265less	14.3%
Groceries	$928/mo	$1,008/mo	↑ $80.68more	8.7%
All Utilities	$507/mo	$568/mo	↑ $60.34more	11.9%
Transportation	$1,226/mo	$1,257/mo	↑ $30.54more	2.5%
Healthcare	$593/mo	$564/mo	↓ $29.43less	5.0%

Housing

↓ 14.6%

Clarksville, TN

$2,278

Gainesville, FL

$1,946

Difference

$332

less

Other

↓ 14.3%

Clarksville, TN

$1,854

Gainesville, FL

$1,589

Difference

$265

less

Groceries

↑ 8.7%

Clarksville, TN

$928

Gainesville, FL

$1,008

Difference

$80.68

All Utilities

↑ 11.9%

Clarksville, TN

$507

Gainesville, FL

$568

Difference

$60.34

Transportation

↑ 2.5%

Clarksville, TN

$1,226

Gainesville, FL

$1,257

Difference

$30.54

Healthcare

↓ 5.0%

Clarksville, TN

$593

Gainesville, FL

$564

Difference

$29.43

less

🏠Rent Comparison

Studio

From$917

To$1,007

↑ $90.00

1 Bed

From$925

To$1,082

↑ $157

2 Bed

From$1,136

To$1,298

↑ $162

3 Bed

From$1,583

To$1,622

↑ $39.00

Clarksville, TNZIP-level data

1BR range: $1,120–$1,170/mo

Gainesville, FLZIP-level data

1BR range: $1,180–$1,580/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.

$7,387

Monthly in Clarksville, TN

$6,932

Monthly in Gainesville, FL

$455

Difference

Home Values

Clarksville

Gainesville

$302K

Median Value

$297K

↓ -0.6%

YoY Change

↓ -3.1%

↑ +39.6%

5-Year Change

↑ +29.2%

$289K - $393K

Price Range

$214K - $394K

Homes in Gainesville are 2% less expensive than Clarksville

Calculate payment - Clarksville Calculate payment - Gainesville

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

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

Gainesville, FL

Federal Income Tax

Effective: 18.9%

$25.5K

Florida 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

Clarksville, TN Tax Rates

Sales Tax:9.5%

Property Tax:0.7%

Gainesville, FL Tax Rates

Sales Tax:7.2%

Property Tax:0.8%

💡 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.