Is Nashville, TN cheaper than Cutler Bay, FL?

Based on cost of living data, Nashville, TN is 11.8% cheaper than Cutler Bay, FL. This translates to saving $887 per month.

What salary do I need in Nashville, TN to live like I do in Cutler Bay, FL?

If you earn $150,000 in Cutler Bay, FL, you'd need approximately $139,351.53 in Nashville, TN to maintain the same standard of living.

How does housing cost compare between Cutler Bay, FL and Nashville, TN?

Housing in Nashville, TN is 16.0% cheaper than in Cutler Bay, FL. For a two-bedroom apartment, rent is $1,840/month in Nashville, TN compared to $2,099/month in Cutler Bay, FL.

How much can I save per month by moving from Cutler Bay, FL to Nashville, TN?

Moving from Cutler Bay, FL to Nashville, TN could save you approximately $887 per month, or $10648 per year, based on a $150,000 salary.

Cutler Bay, FL vs Nashville, TN: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 Cutler Bay, FL — COL adjusted from Miami, FL area + state data

Current salary in Cutler Bay, FL

Numbers update automatically as you type

You'd save $887/month moving to Nashville, TN

$150.0K in your current city equals $139.4K in Nashville, TN

Rent data from HUD ZIP-level estimates · COL index from Miami-Fort Lauderdale-Pompano Beach, FL area

Overall Cost

↓ 11.8%

Less expensive

Monthly Impact

$887

Savings

Annual Impact

$10.6K

Per year

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

Cutler Bay, FL

Population:44K

Cost Index:100

Median Home:$510K

Nashville, TN

Population:689K

Cost Index:88

Median Home:$489K

Cutler Bay, FL

The Sunshine State

44K

Population

State Tax

No Income Tax

Located in Florida, this city has a population of 44K residents.

💡 Advantage: Florida 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: Cutler Bay, FL vs Nashville, TN

Category	Cutler Bay, FL	Nashville, TN	Difference	Change
🏠Housing	$3,154/mo	$2,651/mo	↓ $504less	16.0%
🚗Transportation	$1,388/mo	$1,284/mo	↓ $104less	7.5%
🛒Groceries	$1,052/mo	$949/mo	↓ $102less	9.7%
📦Other	$1,987/mo	$1,942/mo	↓ $45.56less	2.3%
🏥Healthcare	$574/mo	$607/mo	↑ $33.56more	5.9%
⚡All Utilities	$506/mo	$519/mo	↑ $13.20more	2.6%

🏠Housing

↓ 16.0%

Cutler Bay, FL

$3,154

Nashville, TN

$2,651

Difference

$504

less

🚗Transportation

↓ 7.5%

Cutler Bay, FL

$1,388

Nashville, TN

$1,284

Difference

$104

less

🛒Groceries

↓ 9.7%

Cutler Bay, FL

$1,052

Nashville, TN

$949

Difference

$102

less

📦Other

↓ 2.3%

Cutler Bay, FL

$1,987

Nashville, TN

$1,942

Difference

$45.56

less

🏥Healthcare

↑ 5.9%

Cutler Bay, FL

$574

Nashville, TN

$607

Difference

$33.56

⚡All Utilities

↑ 2.6%

Cutler Bay, FL

$506

Nashville, TN

$519

Difference

$13.20

🏠Rent Comparison

Studio

From$1,494

To$1,600

↑ $106

1 Bed

From$1,695

To$1,680

↓ $15.00

2 Bed

From$2,099

To$1,840

↓ $259

3 Bed

From$2,826

To$2,350

↓ $476

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.

$8,661

Monthly in Cutler Bay, FL

$7,952

Monthly in Nashville, TN

$709

Difference

Home Values

Cutler Bay

Nashville

Median Value

$489K

YoY Change

↓ -2.1%

5-Year Change

↑ +32.1%

Price Range

$320K - $1.16M

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

Cutler Bay, 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

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

Cutler Bay, FL Tax Rates

Sales Tax:7.2%

Property Tax:0.8%

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.