Is Austin, TX cheaper than Gallatin, TN?

Based on cost of living data, Austin, TX is 6.0% more expensive than Gallatin, TN. This translates to spending an extra $452 per month.

What salary do I need in Austin, TX to live like I do in Gallatin, TN?

If you earn $150,000 in Gallatin, TN, you'd need approximately $155,422.166 in Austin, TX to maintain the same standard of living.

How does housing cost compare between Gallatin, TN and Austin, TX?

Housing in Austin, TX is 28.2% more expensive than in Gallatin, TN. For a two-bedroom apartment, rent is $1,995/month in Austin, TX compared to $1,243/month in Gallatin, TN.

How much can I save per month by moving from Gallatin, TN to Austin, TX?

Living in Austin, TX costs approximately $452 more per month than Gallatin, TN, or $5422 more per year, based on a $150,000 salary.

Gallatin, TN vs Austin, TX: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 Gallatin, TN — ZIP-level rent data · COL adjusted from Nashville, TN area

Current salary in Gallatin, TN

Numbers update automatically as you type

You'd spend $452/month more in Austin, TX

$150.0K in your current city equals $155.4K in Austin, TX

Rent data from HUD ZIP-level estimates · COL index from Nashville-Davidson-Murfreesboro-Franklin, TN area

Overall Cost

↑ 6.0%

More expensive

Monthly Impact

$452

Extra cost

Annual Impact

$5.4K

Per year

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

Gallatin, TN

Population:50K

Cost Index:100

Median Home:$432K

Austin, TX

Population:979K

Cost Index:106

Median Home:$558K

Gallatin, TN

The Volunteer State

50K

Population

State Tax

No Income Tax

Located in Tennessee, this city has a population of 50K residents.

💡 Advantage: Tennessee has no state income tax!

Austin, TX

The Lone Star State

979K

Population

State Tax

No Income Tax

Climate

Humid subtropical

Notable Facts

•Live music capital
•Major tech hub
•SXSW festival city

Major Industries

TechnologyMusic IndustryEducationGovernment

Cost Breakdown by Category

Annual spending: Gallatin, TN vs Austin, TX

Category	Gallatin, TN	Austin, TX	Difference	Change
🏠Housing	$2,250/mo	$2,885/mo	↑ $635more	28.2%
📦Other	$1,832/mo	$1,741/mo	↓ $90.54less	4.9%
🚗Transportation	$1,211/mo	$1,284/mo	↑ $72.96more	6.0%
🛒Groceries	$922/mo	$959/mo	↑ $37.36more	4.1%
⚡All Utilities	$504/mo	$541/mo	↑ $36.82more	7.3%
🏥Healthcare	$590/mo	$589/mo	↓ $1.08less	0.2%

🏠Housing

↑ 28.2%

Gallatin, TN

$2,250

Austin, TX

$2,885

Difference

$635

📦Other

↓ 4.9%

Gallatin, TN

$1,832

Austin, TX

$1,741

Difference

$90.54

less

🚗Transportation

↑ 6.0%

Gallatin, TN

$1,211

Austin, TX

$1,284

Difference

$72.96

🛒Groceries

↑ 4.1%

Gallatin, TN

$922

Austin, TX

$959

Difference

$37.36

⚡All Utilities

↑ 7.3%

Gallatin, TN

$504

Austin, TX

$541

Difference

$36.82

🏥Healthcare

↓ 0.2%

Gallatin, TN

$590

Austin, TX

$589

Difference

$1.08

less

🏠Rent Comparison

Studio

From$1,082

To$1,585

↑ $503

1 Bed

From$1,130

To$1,685

↑ $555

2 Bed

From$1,243

To$1,995

↑ $752

3 Bed

From$1,587

To$2,525

↑ $938

Gallatin, TNZIP-level data

1BR range: $1,410–$1,410/mo

Austin, TXZIP-level data

1BR range: $1,490–$2,350/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.

$7,308

Monthly in Gallatin, TN

$7,998

Monthly in Austin, TX

$690

Difference

Home Values

Gallatin

Austin

$432K

Median Value

$558K

↑ +0.8%

YoY Change

↓ -5%

↑ +34.7%

5-Year Change

↑ +12.6%

$432K

Price Range

$272K - $1.26M

Homes in Austin are 29% more expensive than Gallatin

Calculate payment - Gallatin Calculate payment - Austin

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

Gallatin, 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

Austin, TX

Federal Income Tax

Effective: 18.9%

$25.5K

Texas 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

Gallatin, TN Tax Rates

Sales Tax:9.5%

Property Tax:0.7%

Austin, TX Tax Rates

Sales Tax:8.2%

Property Tax:1.8%

💡 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.