Is Nashville, TN cheaper than Florence, KY?

Based on cost of living data, Nashville, TN is 21.6% more expensive than Florence, KY. This translates to spending an extra $1624 per month.

What salary do I need in Nashville, TN to live like I do in Florence, KY?

If you earn $150,000 in Florence, KY, you'd need approximately $169,483.59 in Nashville, TN to maintain the same standard of living.

How does housing cost compare between Florence, KY and Nashville, TN?

Housing in Nashville, TN is 48.9% more expensive than in Florence, KY. For a two-bedroom apartment, rent is $1,840/month in Nashville, TN compared to $1,261/month in Florence, KY.

How much can I save per month by moving from Florence, KY to Nashville, TN?

Living in Nashville, TN costs approximately $1624 more per month than Florence, KY, or $19484 more per year, based on a $150,000 salary.

Florence, KY vs Nashville, TN: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 Florence, KY — ZIP-level rent data · COL adjusted from Cincinnati, OH area

Current salary in Florence, KY

Numbers update automatically as you type

You'd spend $1.6K/month more in Nashville, TN

$150.0K in your current city equals $169.5K in Nashville, TN

Rent data from HUD ZIP-level estimates · COL index from Cincinnati, OH-KY-IN area

Overall Cost

↑ 21.6%

More expensive

Monthly Impact

$1,624

Extra cost

Annual Impact

$19.5K

Per year

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

Florence, KY

Population:33K

Cost Index:100

Median Home:$270K

Nashville, TN

Population:689K

Cost Index:122

Median Home:$489K

Florence, KY

The Bluegrass State

33K

Population

State Tax

Yes

Located in Kentucky, 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: Florence, KY vs Nashville, TN

Category	Florence, KY	Nashville, TN	Difference	Change
🏠Housing	$1,780/mo	$2,651/mo	↑ $871more	48.9%
📦Other	$1,529/mo	$1,942/mo	↑ $413more	27.0%
🚗Transportation	$1,157/mo	$1,284/mo	↑ $127more	11.0%
⚡All Utilities	$453/mo	$519/mo	↑ $66.08more	14.6%
🏥Healthcare	$550/mo	$607/mo	↑ $57.26more	10.4%
🛒Groceries	$897/mo	$949/mo	↑ $52.62more	5.9%

🏠Housing

↑ 48.9%

Florence, KY

$1,780

Nashville, TN

$2,651

Difference

$871

📦Other

↑ 27.0%

Florence, KY

$1,529

Nashville, TN

$1,942

Difference

$413

🚗Transportation

↑ 11.0%

Florence, KY

$1,157

Nashville, TN

$1,284

Difference

$127

⚡All Utilities

↑ 14.6%

Florence, KY

$453

Nashville, TN

$519

Difference

$66.08

🏥Healthcare

↑ 10.4%

Florence, KY

$550

Nashville, TN

$607

Difference

$57.26

🛒Groceries

↑ 5.9%

Florence, KY

$897

Nashville, TN

$949

Difference

$52.62

🏛️ Local Income Taxes

Florence, KY: Florence Occupational Tax$3,000/yr (2.0%)

Nashville, TN has no local income tax.

Local taxes are in addition to state income tax. Not all cities levy local income taxes.

🏠Rent Comparison

Studio

From$890

To$1,600

↑ $710

1 Bed

From$978

To$1,680

↑ $702

2 Bed

From$1,261

To$1,840

↑ $579

3 Bed

From$1,666

To$2,350

↑ $684

Florence, KYZIP-level data

1BR range: $1,210–$1,210/mo

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.

$6,365

Monthly in Florence, KY

$7,952

Monthly in Nashville, TN

$1,587

Difference

Home Values

Florence

Nashville

$270K

Median Value

$489K

↑ +0.4%

YoY Change

↓ -2.1%

↑ +28.9%

5-Year Change

↑ +32.1%

$270K

Price Range

$320K - $1.16M

Homes in Nashville are 81% more expensive than Florence

Calculate payment - Florence Calculate payment - Nashville

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $7.5K

Per year

Monthly Difference

$625

More take-home

Effective Rate Diff

5.0%

Rate difference

Florence, KY

Federal Income Tax

Effective: 18.9%

$25.5K

Kentucky State Tax

Effective: 5.0%

$7.5K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 29.7%

$44.5K

Take-Home Pay

$8,791/month

$105.5K

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

Florence, KY Tax Rates

Sales Tax:6.0%

Property Tax:0.9%

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.

Environment

Florence

Nashville

52 Moderate

Air Quality

50 Good

44.8%

Good Air Days

51.6%

96 High

Climate Risk

97 High

🌊🌡🌪

Top Hazards

🌊🫨🌪

▲+3.1°F

2050 Outlook

▲+2.8°F

29 days

Heat Days >95°F

42 days

▲+3.1°F

2050 Outlook

▲+2.8°F

29 days

Heat Days >95°F

42 days

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

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You'd spend $1.6K/month more in Nashville, TN

Florence, KY

Nashville, TN

Florence, KY

Nashville, TN

Notable Facts

Major Industries

Cost Breakdown by Category

🏛️ Local Income Taxes

🏠Rent Comparison

📍 Rent by ZIP Code19 ZIPs

Home Values

🏠 Home Values by ZIP17 ZIPs

Tax Comparison

Florence, KY

Nashville, TN

Additional Tax Information

Florence, KY Tax Rates

Nashville, TN Tax Rates

Environment

Similar cost to Nashville, TN