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Cost of Living Comparison 2026

Data: HUD rent estimates, BLS cost of living

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You'd save $105/month moving to Savannah, GA

$150.0K in your current city equals $148.7K in Savannah, GA

Rent data from HUD ZIP-level estimates Β· COL index from area
Overall Cost
↓ 1.4%
Less expensive
Monthly Impact
$105
Savings
Annual Impact
$1.3K
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

Savannah, GA

Population:148K
Cost Index:
99
(1% below avg)
Median Home:$390K

Gainesville, FL

The Sunshine State

146K
Population
State Tax
No Income Tax

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

πŸ’‘ Advantage: Florida has no state income tax!

Savannah, GA

The Peach State

148K
Population
State Tax
Yes

Located in Georgia, this city has a population of 148K residents.

Cost Breakdown by Category

Annual spending: Gainesville, FL vs Savannah, GA

Housing
↓ 1.4%
Gainesville, FL
$1,946
Savannah, GA
$1,919
Difference
$27.22
less
Other
↓ 1.4%
Gainesville, FL
$1,589
Savannah, GA
$1,567
Difference
$22.23
less
Transportation
↓ 1.4%
Gainesville, FL
$1,257
Savannah, GA
$1,239
Difference
$17.58
less
Groceries
↓ 0.7%
Gainesville, FL
$1,008
Savannah, GA
$1,001
Difference
$7.08
less
All Utilities
↓ 0.7%
Gainesville, FL
$568
Savannah, GA
$564
Difference
$3.98
less
Healthcare
↓ 0.7%
Gainesville, FL
$564
Savannah, GA
$560
Difference
$3.96
less

🏠Rent Comparison

Studio
From$1,007
To$1,300
↑ $293
1 Bed
From$1,082
To$1,370
↑ $288
2 Bed
From$1,298
To$1,501
↑ $203
3 Bed
From$1,622
To$1,997
↑ $375
Gainesville, FLZIP-level data

1BR range: $1,180–$1,580/mo

Savannah, GAZIP-level data

1BR range: $1,290–$1,940/mo

πŸ’‘ 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
$6,850
Monthly in Savannah, GA
$82.04
Difference

Home Values

Gainesville
Savannah
$297K
Median Value
$390K
↓ -3.1%
YoY Change
↓ -2.2%
↑ +29.2%
5-Year Change
↑ +50.8%
$214K - $394K
Price Range
$138K - $888K

Homes in Savannah are 31% more expensive than Gainesville

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

Gainesville, FL

Federal Income Tax
Effective: 18.9%
$25.5K
Florida 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

Savannah, 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

Gainesville, FL Tax Rates

Sales Tax:7.2%
Property Tax:0.8%

Savannah, GA Tax Rates

Sales Tax:7.3%
Property Tax:0.9%

πŸ’‘ 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

Gainesville
Savannah
50 Good
Air Quality
50 Good
51.9%
Good Air Days
51.9%
97 High
Climate Risk
97 High
πŸŒŠπŸŒ…πŸŒ€
Top Hazards
πŸŒŠπŸŒ…πŸŒ€
β–²+2.3Β°F
2050 Outlook
β–²+2.3Β°F
36 days
Heat Days >95Β°F
36 days
β–²+2.3Β°F
2050 Outlook
β–²+2.3Β°F
36 days
Heat Days >95Β°F
36 days

What to Consider When Moving from Gainesville, FL to Savannah, GA

Relocating from Gainesville, FL to Savannah, GA involves more than just comparing rent prices. While the overall cost of living is about 1% lower in Savannah, GA, your actual experience will depend on your lifestyle, job situation, and priorities. Here are the key factors to weigh before making the move.

Housing & Rent

Housing is typically the largest line item in any budget, and it’s where the biggest differences show up between cities. In this comparison, housing in Savannah, GA is 1% cheaper than in Gainesville, FL. Keep in mind that neighborhood choice within a city can swing rent by 30–50%, so research specific areas β€” not just city averages β€” before signing a lease. If you’re buying, factor in property tax rates, which vary significantly by county and state.

Job Market & Salary Adjustments

A lower cost of living doesn’t help if your salary drops proportionally. Before committing to a move, research whether employers in Savannah, GA pay comparable wages for your role. Remote workers may keep their current salary, but some companies adjust pay based on location. Use the salary calculator above to see what you’d need to earn in Savannah, GA to match your current standard of living in Gainesville, FL.

Taxes & Take-Home Pay

State income tax, property tax, and sales tax all affect how far your paycheck stretches. Some states have no income tax but make up for it with higher property or sales taxes. The tax comparison section above breaks down how your take-home pay would change. Don’t forget about vehicle registration fees, tolls, and other state-specific costs that add up over a year.

Quality of Life & Lifestyle Fit

Numbers only tell part of the story. Consider climate preferences, commute times, proximity to family, school quality if you have children, healthcare access, and the general β€œfeel” of a city. A place that’s 15% cheaper might not be worth it if it means a longer commute or fewer amenities you value. If possible, visit Savannah, GA for a week before making a final decision β€” experiencing the day-to-day rhythm matters more than any spreadsheet.

Frequently Asked Questions: Gainesville, FL vs Savannah, GA

Is Savannah, GA cheaper than Gainesville, FL?

Yes, Savannah, GA is about 1.4% cheaper than Gainesville, FL. You could save approximately $105/month on a $150,000 salary. Housing costs are 1% lower in Savannah, GA.

What salary do I need in Savannah, GA to match my lifestyle in Gainesville, FL?

If you currently earn $150,000 in Gainesville, FL, you would need approximately $148,741 in Savannah, GA to maintain the same standard of living. This accounts for differences in housing, groceries, transportation, utilities, healthcare, and other typical expenses. Use the salary input above to adjust this based on your actual income.

How does rent compare between Gainesville, FL and Savannah, GA?

A two-bedroom apartment averages $1,298/month in Gainesville, FL compared to $1,501/month in Savannah, GA. One-bedroom apartments are $1,082/month in Gainesville, FL vs $1,370/month in Savannah, GA. These are area-wide medians β€” specific neighborhoods can vary significantly. Check the ZIP-level rent breakdown above for more granular data.

Are groceries more expensive in Gainesville, FL or Savannah, GA?

Grocery prices are very similar between Gainesville, FL and Savannah, GA, with less than 1% difference. Your food budget would stay about the same.

What is the best time to move from Gainesville, FL to Savannah, GA?

Most people find that moving during the off-season (October through March) results in lower moving costs, since demand for movers and rental trucks drops. If you're renting, you may also find more negotiable lease terms during winter months. However, if you have school-age children, summer moves allow for a smoother school transition. For the best combination of availability and price, consider moving in early fall or late spring.

πŸ’° See how taxes change too β€” compare take-home pay between Florida and Georgia on TaxTakeHome.com

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