Franklin, TN vs Boca Raton, FL: Cost of Living

Which city costs less?

Boca Raton, FL has a modeled overall cost index 10.7% higher than Franklin, TN.

Franklin, TN · modeled 2BR rent: $2,150 / month
Boca Raton, FL · modeled 2BR rent: $2,915 / 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 Franklin, TN and Boca Raton, FL 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 Franklin, TN

Numbers update automatically as you type

Estimated extra cost: $915/month in Boca Raton, FL

$150,000 in your current city has a modeled equivalent of $160,985 in Boca Raton, FL

Regional cost estimates: Franklin, TN uses Nashville, TN. Boca Raton, FL uses Hialeah, FL. Available city ZIP rent estimates are shown separately.

Overall Cost

↑ 10.7%

More expensive

Monthly Impact

$915

Extra cost

Annual Impact

$11.0K

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.

Franklin, TN

Population:89K

Cost Index:

98.4

100 = national average

Typical Home:$882K

Boca Raton, FL

Population:100K

Cost Index:

108.9

100 = national average

Typical Home:$669K

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Franklin, TN

The Volunteer State

89K

Population

State Tax

No Income Tax

Located in Tennessee, this city has a population of 89K residents.

💡 Advantage: Tennessee has no state income tax!

Boca Raton, FL

The Sunshine State

100K

Population

State Tax

No Income Tax

Located in Florida, this city has a population of 100K residents.

💡 Advantage: Florida has no state income tax!

Cost Breakdown by Category

Estimated monthly spending: Franklin, TN vs Boca Raton, FL

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	Franklin, TN	Boca Raton, FL	Difference	Change
Housing	$2,313/mo	$2,885/mo	↑ $572more	24.7%
Transportation	$1,245/mo	$1,442/mo	↑ $197more	15.8%
Groceries	$942/mo	$1,080/mo	↑ $138more	14.7%
Other	$1,883/mo	$1,900/mo	↑ $16.82more	0.9%
Healthcare	$602/mo	$589/mo	↓ $13.29less	2.2%
All Utilities	$515/mo	$519/mo	↑ $4.54more	0.9%

Housing

↑ 24.7%

Franklin, TN

$2,313

Boca Raton, FL

$2,885

Difference

$572

Transportation

↑ 15.8%

Franklin, TN

$1,245

Boca Raton, FL

$1,442

Difference

$197

Groceries

↑ 14.7%

Franklin, TN

$942

Boca Raton, FL

$1,080

Difference

$138

Other

↑ 0.9%

Franklin, TN

$1,883

Boca Raton, FL

$1,900

Difference

$16.82

Healthcare

↓ 2.2%

Franklin, TN

$602

Boca Raton, FL

$589

Difference

$13.29

less

All Utilities

↑ 0.9%

Franklin, TN

$515

Boca Raton, FL

$519

Difference

$4.54

🏠Rent Comparison

Studio

From$1,870

To$2,270

↑ $400

1 Bed

From$1,960

To$2,445

↑ $485

2 Bed

From$2,150

To$2,915

↑ $765

3 Bed

From$2,750

To$3,790

↑ $1,040

Franklin, TNZIP-level data

1BR range: $1,960–$1,960/mo

Boca Raton, FLZIP-level data

1BR range: $1,610–$2,710/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 Franklin, TN

$8,415

Monthly in Boca Raton, FL

$915

Difference

Home Values

Franklin

Boca Raton

$882K

Median Value

$669K

↑ +0.9%

YoY Change

↓ -3.3%

↑ +52.3%

5-Year Change

↑ +43%

$882K

Price Range

$231K - $1.01M

Homes in Boca Raton are 24% less expensive than Franklin

Calculate payment - Franklin Calculate payment - Boca Raton

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

Franklin, 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

Boca Raton, 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

Additional Tax Information

Franklin, TN Tax Rates

Sales Tax:9.5%

Property Tax:0.7%

Boca Raton, FL Tax Rates

Sales Tax:7.2%

Property Tax:0.8%

💡 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

Franklin

Boca Raton

50 Good

Air Quality

48 Good

51.6%

Good Air Days

59.8%

97 High

Climate Risk

100 Very High

🌊🫨🌪

Top Hazards

🌊🌅🌀

▲+2.8°F

2050 Outlook

▲+2.3°F

42 days

Heat Days >95°F

22 days

▲+2.8°F

2050 Outlook

▲+2.3°F

42 days

Heat Days >95°F

22 days

Before moving from Franklin, TN to Boca Raton, FL

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

Compare actual homes. Get current quotes in Boca Raton, FL for the same bedroom count and included utilities as your home in Franklin, 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 Franklin to Boca Raton moving checklist to organize the tasks and timing.

Still choosing a destination? Explore cities similar to Boca Raton, FL by cost, housing, population and region.

Frequently Asked Questions: Franklin, TN vs Boca Raton, FL

How do the cost estimates for Franklin, TN and Boca Raton, FL compare?

Boca Raton, FL has a modeled overall cost index 10.7% higher than Franklin, 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 Franklin, TN, the model estimates $160,985 in Boca Raton, FL. 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 Franklin, TN and Boca Raton, FL?

The modeled two-bedroom rents are $2,150/month in Franklin, TN and $2,915/month in Boca Raton, FL. 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 Florida on TaxTakeHome.com