Erin, TN vs Ray City, GA: Cost of Living

Which city costs less?

Ray City, GA has a modeled overall cost index 13.5% lower than Erin, TN.

Erin, TN · modeled 2BR rent
$1,110 / month
Ray City, GA · modeled 2BR rent
$1,160 / 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 Erin, TN and Ray City, GA 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

$
Numbers update automatically as you type

Estimated savings: $896/month in Ray City, GA

$150,000 in your current city has a modeled equivalent of $139,246 in Ray City, GA

Regional cost estimates: Erin, TN uses Nashville, TN. Ray City, GA uses Jacksonville, FL. Available city ZIP rent estimates are shown separately.
Overall Cost
↓ 13.5%
Less expensive
Monthly Impact
$896
Savings
Annual Impact
$10.8K
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.

Erin, TN

Population:1K
Cost Index:
86.8
100 = national average
Typical Home:$211K

Ray City, GA

Population:1K
Cost Index:
75.1
100 = national average
Typical Home:$218K

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Erin, TN

The Volunteer State

1K
Population
State Tax
No Income Tax

Located in Tennessee, this city has a population of 1K residents.

💡 Advantage: Tennessee has no state income tax!

Ray City, GA

The Peach State

1K
Population
State Tax
Yes

Located in Georgia, this city has a population of 1K residents.

Cost Breakdown by Category

Estimated monthly spending: Erin, TN vs Ray City, GA

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.

Housing
↓ 21.0%
Erin, TN
$2,273
Ray City, GA
$1,794
Difference
$478
less
Other
↓ 20.8%
Erin, TN
$1,850
Ray City, GA
$1,466
Difference
$384
less
Transportation
↓ 5.3%
Erin, TN
$1,223
Ray City, GA
$1,159
Difference
$64.33
less
Healthcare
↓ 8.6%
Erin, TN
$630
Ray City, GA
$576
Difference
$54.34
less
Groceries
↑ 4.5%
Erin, TN
$985
Ray City, GA
$1,030
Difference
$44.40
more
All Utilities
↑ 7.6%
Erin, TN
$539
Ray City, GA
$580
Difference
$40.84
more

🏠Rent Comparison

Studio
From$830
To$880
↑ $50.00
1 Bed
From$880
To$890
↑ $10.00
2 Bed
From$1,110
To$1,160
↑ $50.00
3 Bed
From$1,550
To$1,580
↑ $30.00
Erin, TNZIP-level data

1BR range: $880–$880/mo

Ray City, GAZIP-level data

1BR range: $890–$890/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 Erin, TN
$6,604
Monthly in Ray City, GA
$896
Difference

Home Values

Erin
Ray City
$211K
Median Value
$218K
↓ -0.3%
YoY Change
↑ +3.7%
↑ +44.2%
5-Year Change
↑ +54.7%

Homes in Ray City are 3% more expensive than Erin

Calculate payment - ErinCalculate payment - Ray City

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
↓ $8.5K
More taxes
Monthly Difference
$704
Less take-home
Effective Rate Diff
5.6%
Rate difference

Erin, 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

Ray City, GA

Federal Income Tax
Effective: 18.9%
$25.5K
Georgia State Tax
Effective: 5.6%
$8.5K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 30.3%
$45.5K
Take-Home Pay
$8,711/month
$104.5K

Additional Tax Information

Erin, TN Tax Rates

Sales Tax:9.5%
Property Tax:0.7%

Ray City, GA Tax Rates

Sales Tax:7.3%
Property Tax:0.9%

💡 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

Erin
Ray City
50 Good
Air Quality
50 Good
51.6%
Good Air Days
51.9%
97 High
Climate Risk
97 High
🌊🫨🌪
Top Hazards
🌊🌅🌀
▲+2.8°F
2050 Outlook
▲+2.3°F
42 days
Heat Days >95°F
36 days
▲+2.8°F
2050 Outlook
▲+2.3°F
42 days
Heat Days >95°F
36 days

Before moving from Erin, TN to Ray City, GA

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

  1. Compare actual homes. Get current quotes in Ray City, GA for the same bedroom count and included utilities as your home in Erin, TN. Add parking, deposits, insurance and any overlapping leases. The rent estimates above are a starting point, not available listings.
  2. 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.
  3. 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.
  4. Plan the transition. Get moving quotes and budget for travel, setup costs and time off. Open your Erin to Ray City moving checklist to organize the tasks and timing.

Still choosing a destination? Explore cities similar to Ray City, GA by cost, housing, population and region.

Frequently Asked Questions: Erin, TN vs Ray City, GA

How do the cost estimates for Erin, TN and Ray City, GA compare?

Ray City, GA has a modeled overall cost index 13.5% lower than Erin, 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 Erin, TN, the model estimates $139,246 in Ray City, GA. 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 Erin, TN and Ray City, GA?

The modeled two-bedroom rents are $1,110/month in Erin, TN and $1,160/month in Ray City, GA. 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.

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

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