Is Murfreesboro, TN cheaper than Gainesville, FL?

Based on cost of living data, Murfreesboro, TN is 8.0% more expensive than Gainesville, FL. This translates to spending an extra $600 per month.

What salary do I need in Murfreesboro, TN to live like I do in Gainesville, FL?

If you earn $150,000 in Gainesville, FL, you'd need approximately $157,196.361 in Murfreesboro, TN to maintain the same standard of living.

How does housing cost compare between Gainesville, FL and Murfreesboro, TN?

Housing in Murfreesboro, TN is 18.3% more expensive than in Gainesville, FL. For a two-bedroom apartment, rent is $1,341/month in Murfreesboro, TN compared to $1,298/month in Gainesville, FL.

How much can I save per month by moving from Gainesville, FL to Murfreesboro, TN?

Living in Murfreesboro, TN costs approximately $600 more per month than Gainesville, FL, or $7196 more per year, based on a $150,000 salary.

Gainesville, FL vs Murfreesboro, TN: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

Data: HUD rent estimates, BLS cost of living

Current salary in Gainesville, FL

Numbers update automatically as you type

You'd spend $600/month more in Murfreesboro, TN

$150.0K in your current city equals $157.2K in Murfreesboro, TN

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

Overall Cost

↑ 8.0%

More expensive

Monthly Impact

$600

Extra cost

Annual Impact

$7.2K

Per year

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

Gainesville, FL

Population:146K

Cost Index:

100

100 = national average

Median Home:$297K

Murfreesboro, TN

Population:165K

Cost Index:

108

(8% above avg)

Median Home:$400K

Gainesville, FL

The Sunshine State

146K

Population

State Tax

No Income Tax

Located in Florida, this city has a population of 146K residents.

💡 Advantage: Florida has no state income tax!

Murfreesboro, TN

The Volunteer State

165K

Population

State Tax

No Income Tax

Located in Tennessee, this city has a population of 165K residents.

💡 Advantage: Tennessee has no state income tax!

Cost Breakdown by Category

Annual spending: Gainesville, FL vs Murfreesboro, TN

Category	Gainesville, FL	Murfreesboro, TN	Difference	Change
Housing	$1,946/mo	$2,301/mo	↑ $356more	18.3%
Other	$1,589/mo	$1,873/mo	↑ $284more	17.9%
Groceries	$1,008/mo	$932/mo	↓ $75.99less	7.5%
All Utilities	$568/mo	$510/mo	↓ $57.77less	10.2%
Healthcare	$564/mo	$596/mo	↑ $32.44more	5.8%
Transportation	$1,257/mo	$1,239/mo	↓ $18.10less	1.4%

Housing

↑ 18.3%

Gainesville, FL

$1,946

Murfreesboro, TN

$2,301

Difference

$356

Other

↑ 17.9%

Gainesville, FL

$1,589

Murfreesboro, TN

$1,873

Difference

$284

Groceries

↓ 7.5%

Gainesville, FL

$1,008

Murfreesboro, TN

$932

Difference

$75.99

less

All Utilities

↓ 10.2%

Gainesville, FL

$568

Murfreesboro, TN

$510

Difference

$57.77

less

Healthcare

↑ 5.8%

Gainesville, FL

$564

Murfreesboro, TN

$596

Difference

$32.44

Transportation

↓ 1.4%

Gainesville, FL

$1,257

Murfreesboro, TN

$1,239

Difference

$18.10

less

🏠Rent Comparison

Studio

From$1,007

To$1,168

↑ $161

1 Bed

From$1,082

To$1,222

↑ $140

2 Bed

From$1,298

To$1,341

↑ $43.00

3 Bed

From$1,622

To$1,714

↑ $92.00

Gainesville, FLZIP-level data

1BR range: $1,180–$1,580/mo

Murfreesboro, TNZIP-level data

1BR range: $1,340–$1,640/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.

$6,932

Monthly in Gainesville, FL

$7,452

Monthly in Murfreesboro, TN

$520

Difference

Home Values

Gainesville

Murfreesboro

$297K

Median Value

$400K

↓ -3.1%

YoY Change

↑ +29.2%

5-Year Change

↑ +35.5%

$214K - $394K

Price Range

$364K - $436K

Homes in Murfreesboro are 35% more expensive than Gainesville

Calculate payment - Gainesville Calculate payment - Murfreesboro

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

Gainesville, 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

Murfreesboro, 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

Gainesville, FL Tax Rates

Sales Tax:7.2%

Property Tax:0.8%

Murfreesboro, 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.