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Cost of Living Comparison 2026

Data: HUD rent estimates, BLS cost of living

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You'd save $289/month moving to Knoxville, TN

$150.0K in your current city equals $146.5K in Knoxville, TN

Rent data from HUD ZIP-level estimates Β· COL index from area
Overall Cost
↓ 3.9%
Less expensive
Monthly Impact
$289
Savings
Annual Impact
$3.5K
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

Knoxville, TN

Population:198K
Cost Index:
96
(4% below avg)
Median Home:$369K

Clarksville, TN

The Volunteer State

181K
Population
State Tax
No Income Tax

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

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

Knoxville, TN

The Volunteer State

198K
Population
State Tax
No Income Tax

Located in Tennessee, this city has a population of 198K residents.

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

Cost Breakdown by Category

Annual spending: Clarksville, TN vs Knoxville, TN

Other
↓ 10.0%
Clarksville, TN
$1,854
Knoxville, TN
$1,668
Difference
$186
less
Housing
↑ 4.4%
Clarksville, TN
$2,278
Knoxville, TN
$2,378
Difference
$100
more
Groceries
↑ 4.3%
Clarksville, TN
$928
Knoxville, TN
$967
Difference
$39.66
more
All Utilities
↓ 7.7%
Clarksville, TN
$507
Knoxville, TN
$468
Difference
$38.93
less
Healthcare
↓ 6.3%
Clarksville, TN
$593
Knoxville, TN
$556
Difference
$37.31
less
Transportation
↑ 0.8%
Clarksville, TN
$1,226
Knoxville, TN
$1,236
Difference
$9.99
more

🏠Rent Comparison

Studio
From$917
To$1,200
↑ $283
1 Bed
From$925
To$1,200
↑ $275
2 Bed
From$1,136
To$1,495
↑ $359
3 Bed
From$1,583
To$1,891
↑ $308
Clarksville, TNZIP-level data

1BR range: $1,120–$1,170/mo

Knoxville, TNZIP-level data

1BR range: $980–$1,480/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.

$7,387
Monthly in Clarksville, TN
$7,274
Monthly in Knoxville, TN
$113
Difference

Home Values

Clarksville
Knoxville
$302K
Median Value
$369K
↓ -0.6%
YoY Change
↑ +0.7%
↑ +39.6%
5-Year Change
↑ +64.1%
$289K - $393K
Price Range
$196K - $638K

Homes in Knoxville are 22% more expensive than Clarksville

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
β†’ $0
Same taxes
Monthly Difference
$0
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
$0
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 24.7%
$37.0K
Take-Home Pay
$9,416/month
$113.0K

Knoxville, 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

Clarksville, TN Tax Rates

Sales Tax:9.5%
Property Tax:0.7%

Knoxville, 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

Clarksville
Knoxville
50 Good
Air Quality
41 Good
51.6%
Good Air Days
79.2%
97 High
Climate Risk
92 Moderate
🌊🫨πŸŒͺ
Top Hazards
πŸŒͺπŸ’¨
β–²+2.8Β°F
2050 Outlook
β–²+3.0Β°F
42 days
Heat Days >95Β°F
21 days
β–²+2.8Β°F
2050 Outlook
β–²+3.0Β°F
42 days
Heat Days >95Β°F
21 days

What to Consider When Moving from Clarksville, TN to Knoxville, TN

Relocating from Clarksville, TN to Knoxville, TN involves more than just comparing rent prices. While the overall cost of living is about 4% lower in Knoxville, 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 Knoxville, TN is 4% more expensive than in Clarksville, TN. 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 Knoxville, 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 Knoxville, TN to match your current standard of living in Clarksville, TN.

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

Frequently Asked Questions: Clarksville, TN vs Knoxville, TN

Is Knoxville, TN cheaper than Clarksville, TN?

Yes, Knoxville, TN is about 3.9% cheaper than Clarksville, TN. You could save approximately $289/month on a $150,000 salary. Housing costs are 4% higher in Knoxville, TN.

What salary do I need in Knoxville, TN to match my lifestyle in Clarksville, TN?

If you currently earn $150,000 in Clarksville, TN, you would need approximately $146,527 in Knoxville, 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 Clarksville, TN and Knoxville, TN?

A two-bedroom apartment averages $1,136/month in Clarksville, TN compared to $1,495/month in Knoxville, TN. One-bedroom apartments are $925/month in Clarksville, TN vs $1,200/month in Knoxville, 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 Clarksville, TN or Knoxville, TN?

Groceries are about 4% more expensive in Knoxville, TN than in Clarksville, TN, which adds roughly $39.66/month to a typical household budget. This covers common items like produce, dairy, meat, and pantry staples based on BLS consumer expenditure data.

What is the best time to move from Clarksville, TN to Knoxville, 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.

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