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Cost of Living Comparison 2026

📍 Cookeville, TN — COL adjusted from Nashville, TN area + state data

$

Numbers update automatically as you type

You'd spend $1.3K/month more in Phoenix, AZ

$150.0K in your current city equals $165.5K in Phoenix, AZ

Rent data from HUD ZIP-level estimates · COL index from area
Overall Cost
↑ 17.2%
More expensive
Monthly Impact
$1,293
Extra cost
Annual Impact
$15.5K
Per year

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

Cookeville, TN

Population:37K
Cost Index:100
Median Home:$489K

Phoenix, AZ

Population:1608K
Cost Index:117
Median Home:$414K

Cookeville, TN

The Volunteer State

37K
Population
State Tax
No Income Tax

Located in Tennessee, this city has a population of 37K residents.

💡 Advantage: Tennessee has no state income tax!

Phoenix, AZ

The Grand Canyon State

1.6M
Population
State Tax
Yes
Climate
Hot desert

Notable Facts

  • •Fastest growing major city
  • •Desert metropolis
  • •Spring training capital

Major Industries

TechnologyHealthcareTourismManufacturing

Cost Breakdown by Category

Annual spending: Cookeville, TN vs Phoenix, AZ

🏠Housing
↑ 36.8%
Cookeville, TN
$2,039
Phoenix, AZ
$2,788
Difference
$750
more
🚗Transportation
↑ 35.7%
Cookeville, TN
$1,097
Phoenix, AZ
$1,489
Difference
$392
more
🛒Groceries
↑ 9.8%
Cookeville, TN
$878
Phoenix, AZ
$963
Difference
$85.71
more
⚡All Utilities
↑ 16.9%
Cookeville, TN
$480
Phoenix, AZ
$561
Difference
$81.29
more
🏥Healthcare
↑ 4.9%
Cookeville, TN
$561
Phoenix, AZ
$589
Difference
$27.28
more
📦Other
↑ 1.1%
Cookeville, TN
$1,660
Phoenix, AZ
$1,677
Difference
$17.83
more

🏠Rent Comparison

Studio
From$763
To$1,390
↑ $627
1 Bed
From$872
To$1,510
↑ $638
2 Bed
From$1,053
To$1,750
↑ $697
3 Bed
From$1,417
To$2,330
↑ $913
Phoenix, AZZIP-level data

1BR range: $1,300–$2,380/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.

$6,714
Monthly in Cookeville, TN
$8,068
Monthly in Phoenix, AZ
$1,353
Difference

Home Values

Cookeville
Phoenix
-
Median Value
$414K
-
YoY Change
↓ -3.1%
-
5-Year Change
↑ +30.2%
-
Price Range
$274K - $957K
Calculate payment - Phoenix

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
↓ $5.2K
More taxes
Monthly Difference
$436
Less take-home
Effective Rate Diff
3.5%
Rate difference

Cookeville, 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

Phoenix, AZ

Federal Income Tax
Effective: 18.9%
$25.5K
Arizona State Tax
Effective: 3.5%
$5.2K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 28.2%
$42.2K
Take-Home Pay
$8,979/month
$107.8K

Additional Tax Information

Cookeville, TN Tax Rates

Sales Tax:9.5%
Property Tax:0.7%

Phoenix, AZ Tax Rates

Sales Tax:8.5%
Property Tax:0.6%

💡 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

Cookeville
Phoenix
50 Good
Air Quality
77 Moderate
51.6%
Good Air Days
9%
97 High
Climate Risk
100 Very High
🌊🫨🌪
Top Hazards
🔥🌊🌡
▲+2.8°F
2050 Outlook
▲+2.7°F
42 days
Heat Days >95°F
162 days
▲+2.8°F
2050 Outlook
▲+2.7°F
42 days
Heat Days >95°F
162 days

💰 See how taxes change too — compare take-home pay between Tennessee and Arizona on TaxTakeHome.com

Where your money goes further

Cities cheaper than Cookeville, TN on a $150.0K salary

1.Indianapolis, IN
Save $87.31/mo
2.St. Louis, MO
Save $87.31/mo

Similar cost to Phoenix, AZ

Other cities in a similar price range

Denver, CORaleigh, NCCharlotte, NC

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