Cross Plains, TN vs Chapel Hill, TN: Cost of Living

Which city costs less?

Chapel Hill, TN has a modeled overall cost index 1.3% lower than Cross Plains, TN.

Cross Plains, TN · modeled 2BR rent: $1,320 / month
Chapel Hill, TN · modeled 2BR rent: $1,400 / month

These are saved estimates, not current rental listings. Some cities use adjusted regional data. Your household budget can differ from the overall index. Sources and assumptions

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Cost of Living Comparison 2026

Compare Cross Plains, TN and Chapel Hill, TN using saved regional data and explicit budgeting assumptions. Rent estimates are not live listings. Change the salary below, then check the source notes before applying a result to your household.

Saved regional estimates · Sources and assumptions

Current salary in Cross Plains, TN

Numbers update automatically as you type

Estimated savings: $84.77/month in Chapel Hill, TN

$150,000 in your current city has a modeled equivalent of $148,983 in Chapel Hill, TN

Regional cost estimates: Cross Plains, TN uses Nashville, TN. Chapel Hill, TN uses Nashville, TN. Available city ZIP rent estimates are shown separately.

Overall Cost

↓ 1.3%

Less expensive

Monthly Impact

$84.77

Savings

Annual Impact

$1.0K

Per year

Assumes 60% of current gross income goes to living costs. The headline uses the category budget below; taxes, moving costs and savings goals are excluded.

Cross Plains, TN

Population:2K

Cost Index:

89.7

100 = national average

Typical Home:$412K

Chapel Hill, TN

Population:2K

Cost Index:

88.5

100 = national average

Typical Home:$381K

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Cross Plains, TN

The Volunteer State

Population

State Tax

No Income Tax

Located in Tennessee, this city has a population of 2K residents.

💡 Advantage: Tennessee has no state income tax!

Chapel Hill, TN

The Volunteer State

Population

State Tax

No Income Tax

Located in Tennessee, this city has a population of 2K residents.

💡 Advantage: Tennessee has no state income tax!

Cost Breakdown by Category

Estimated monthly spending: Cross Plains, TN vs Chapel Hill, TN

Assumes 60% of your current gross income is spent on these categories. The headline and totals use this same budget. Rent estimates below are separate reference data. Rounded amounts may differ by $1.

Category	Cross Plains, TN	Chapel Hill, TN	Difference	Change
Housing	$2,283/mo	$2,253/mo	↓ $30.06less	1.3%
Other	$1,859/mo	$1,834/mo	↓ $24.47less	1.3%
Transportation	$1,229/mo	$1,213/mo	↓ $16.18less	1.3%
Groceries	$974/mo	$967/mo	↓ $6.43less	0.7%
Healthcare	$623/mo	$619/mo	↓ $4.11less	0.7%
All Utilities	$532/mo	$529/mo	↓ $3.52less	0.7%

Housing

↓ 1.3%

Cross Plains, TN

$2,283

Chapel Hill, TN

$2,253

Difference

$30.06

less

Other

↓ 1.3%

Cross Plains, TN

$1,859

Chapel Hill, TN

$1,834

Difference

$24.47

less

Transportation

↓ 1.3%

Cross Plains, TN

$1,229

Chapel Hill, TN

$1,213

Difference

$16.18

less

Groceries

↓ 0.7%

Cross Plains, TN

$974

Chapel Hill, TN

$967

Difference

$6.43

less

Healthcare

↓ 0.7%

Cross Plains, TN

$623

Chapel Hill, TN

$619

Difference

$4.11

less

All Utilities

↓ 0.7%

Cross Plains, TN

$532

Chapel Hill, TN

$529

Difference

$3.52

less

🏠Rent Comparison

Studio

From$1,150

To$1,070

↓ $80.00

1 Bed

From$1,170

To$1,100

↓ $70.00

2 Bed

From$1,320

To$1,400

↑ $80.00

3 Bed

From$1,660

To$1,860

↑ $200

Cross Plains, TNZIP-level data

1BR range: $1,170–$1,170/mo

Chapel Hill, TNZIP-level data

1BR range: $1,100–$1,100/mo

💡 Note: HUD Fair Market Rents estimate 40th-percentile gross rents, including most tenant-paid utilities. City ZIP summaries are medians of those estimates, not market median rents. Actual prices vary by neighborhood, amenities, and condition. Source: HUD Small Area Fair Market Rents FY2026.

$7,500

Monthly in Cross Plains, TN

$7,415

Monthly in Chapel Hill, TN

$84.77

Difference

Home Values

Cross Plains

Chapel Hill

$412K

Median Value

$381K

YoY Change

↑ +1.4%

↑ +43.7%

5-Year Change

↑ +45.1%

Homes in Chapel Hill are 7% less expensive than Cross Plains

Calculate payment - Cross Plains Calculate payment - Chapel Hill

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

Cross Plains, 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

Chapel Hill, 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

Cross Plains, TN Tax Rates

Sales Tax:9.5%

Property Tax:0.7%

Chapel Hill, 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.

Environment

Cross Plains

Chapel Hill

50 Good

Air Quality

50 Good

51.6%

Good Air Days

51.6%

97 High

Climate Risk

97 High

🌊🫨🌪

Top Hazards

🌊🫨🌪

▲+2.8°F

2050 Outlook

▲+2.8°F

42 days

Heat Days >95°F

42 days

▲+2.8°F

2050 Outlook

▲+2.8°F

42 days

Heat Days >95°F

42 days

Before moving from Cross Plains, TN to Chapel Hill, TN

Use this comparison to shortlist a move, then check the costs that depend on your household.

Compare actual homes. Get current quotes in Chapel Hill, TN for the same bedroom count and included utilities as your home in Cross Plains, TN. Add parking, deposits, insurance and any overlapping leases. The rent estimates above are a starting point, not available listings.
Confirm your income. Check your expected pay with your employer, including any location adjustment. Use “Different salary at destination?” above to compare two incomes. The budget model excludes taxes and one-time moving costs; it is not a take-home-pay calculation.
Price your daily routine. Check the commute from a specific address to work, school or childcare. Add household expenses missing from this model, such as childcare, debt payments and medical needs. Verify local services before signing a lease.
Plan the transition. Get moving quotes and budget for travel, setup costs and time off. Open your Cross Plains to Chapel Hill moving checklist to organize the tasks and timing.

Still choosing a destination? Explore cities similar to Chapel Hill, TN by cost, housing, population and region.

Frequently Asked Questions: Cross Plains, TN vs Chapel Hill, TN

How do the cost estimates for Cross Plains, TN and Chapel Hill, TN compare?

Chapel Hill, TN has a modeled overall cost index 1.3% lower than Cross Plains, TN. This is a broad model comparison, not a survey of today's prices or a forecast of your household spending. Some cities use adjusted regional fallback data.

What does the equivalent salary mean?

At a $150,000 salary in Cross Plains, TN, the model estimates $148,983 in Chapel Hill, TN. It allocates 60% of gross income to the origin city’s category budget and applies each destination category’s relative cost. The equivalent salary adds the total category difference to your income. The monthly difference is the same category difference divided by 12; it is not take-home pay or guaranteed savings. Household size, childcare and your actual lease are not inputs to this calculation.

What rent estimates are available for Cross Plains, TN and Chapel Hill, TN?

The modeled two-bedroom rents are $1,320/month in Cross Plains, TN and $1,400/month in Chapel Hill, TN. Where available, the source is a city median of HUD FY2026 ZIP-level estimates; otherwise a saved metro table is used. City adjustments may also apply. These are not asking rents or available listings. Compare actual properties with the same bedroom count and included utilities.

How should I use this comparison before moving?

Use it to shortlist locations, then replace modeled costs with a current housing quote, employer-confirmed income, commute costs, insurance and your household's other expenses. Add one-time moving costs separately. Source years differ and the saved datasets are not a live price feed. Read the methodology for the formulas and fallback rules.

Where your money goes further

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