Is Nashville, TN cheaper than Fair Oaks, CA?

Based on cost of living data, Nashville, TN is 6.3% cheaper than Fair Oaks, CA. This translates to saving $473 per month.

What salary do I need in Nashville, TN to live like I do in Fair Oaks, CA?

If you earn $150,000 in Fair Oaks, CA, you'd need approximately $144,324.122 in Nashville, TN to maintain the same standard of living.

How does housing cost compare between Fair Oaks, CA and Nashville, TN?

Housing in Nashville, TN is 14.5% cheaper than in Fair Oaks, CA. For a two-bedroom apartment, rent is $1,840/month in Nashville, TN compared to $1,478/month in Fair Oaks, CA.

How much can I save per month by moving from Fair Oaks, CA to Nashville, TN?

Moving from Fair Oaks, CA to Nashville, TN could save you approximately $473 per month, or $5676 per year, based on a $150,000 salary.

Fair Oaks, CA vs Nashville, TN: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 Fair Oaks, CA — COL adjusted from Sacramento, CA area + state data

Current salary in Fair Oaks, CA

Numbers update automatically as you type

You'd save $473/month moving to Nashville, TN

$150.0K in your current city equals $144.3K in Nashville, TN

Rent data from HUD ZIP-level estimates · COL index from area

Overall Cost

↓ 6.3%

Less expensive

Monthly Impact

$473

Savings

Annual Impact

$5.7K

Per year

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

Fair Oaks, CA

Population:33K

Cost Index:100

Median Home:$460K

Nashville, TN

Population:689K

Cost Index:94

Median Home:$489K

Fair Oaks, CA

The Golden State

33K

Population

State Tax

Yes

Located in California, this city has a population of 33K residents.

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: Fair Oaks, CA vs Nashville, TN

Category	Fair Oaks, CA	Nashville, TN	Difference	Change
🏠Housing	$3,099/mo	$2,651/mo	↓ $448less	14.5%
📦Other	$1,699/mo	$1,942/mo	↑ $243more	14.3%
🛒Groceries	$1,027/mo	$949/mo	↓ $77.43less	7.5%
🚗Transportation	$1,335/mo	$1,284/mo	↓ $50.79less	3.8%
🏥Healthcare	$601/mo	$607/mo	↑ $6.61more	1.1%
⚡All Utilities	$514/mo	$519/mo	↑ $5.33more	1.0%

🏠Housing

↓ 14.5%

Fair Oaks, CA

$3,099

Nashville, TN

$2,651

Difference

$448

less

📦Other

↑ 14.3%

Fair Oaks, CA

$1,699

Nashville, TN

$1,942

Difference

$243

🛒Groceries

↓ 7.5%

Fair Oaks, CA

$1,027

Nashville, TN

$949

Difference

$77.43

less

🚗Transportation

↓ 3.8%

Fair Oaks, CA

$1,335

Nashville, TN

$1,284

Difference

$50.79

less

🏥Healthcare

↑ 1.1%

Fair Oaks, CA

$601

Nashville, TN

$607

Difference

$6.61

⚡All Utilities

↑ 1.0%

Fair Oaks, CA

$514

Nashville, TN

$519

Difference

$5.33

🏠Rent Comparison

Studio

From$998

To$1,600

↑ $602

1 Bed

From$1,158

To$1,680

↑ $522

2 Bed

From$1,478

To$1,840

↑ $362

3 Bed

From$2,077

To$2,350

↑ $273

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.

$8,273

Monthly in Fair Oaks, CA

$7,952

Monthly in Nashville, TN

$321

Difference

Home Values

Fair Oaks

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

↑ $10.6K

Per year

Monthly Difference

$886

More take-home

Effective Rate Diff

7.1%

Rate difference

Fair Oaks, CA

Federal Income Tax

Effective: 18.9%

$25.5K

California State Tax

Effective: 7.1%

$10.6K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 31.8%

$47.6K

Take-Home Pay

$8,530/month

$102.4K

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

Fair Oaks, CA Tax Rates

Sales Tax:10.5%

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.