Is Phoenix, AZ cheaper than Gallatin, TN?

Based on cost of living data, Phoenix, AZ is 6.2% more expensive than Gallatin, TN. This translates to spending an extra $467 per month.

What salary do I need in Phoenix, AZ to live like I do in Gallatin, TN?

If you earn $150,000 in Gallatin, TN, you'd need approximately $155,607.451 in Phoenix, AZ to maintain the same standard of living.

How does housing cost compare between Gallatin, TN and Phoenix, AZ?

Housing in Phoenix, AZ is 23.9% more expensive than in Gallatin, TN. For a two-bedroom apartment, rent is $1,750/month in Phoenix, AZ compared to $1,243/month in Gallatin, TN.

How much can I save per month by moving from Gallatin, TN to Phoenix, AZ?

Living in Phoenix, AZ costs approximately $467 more per month than Gallatin, TN, or $5607 more per year, based on a $150,000 salary.

Gallatin, TN vs Phoenix, AZ: 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 $467/month more in Phoenix, AZ

$150.0K in your current city equals $155.6K in Phoenix, AZ

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

Overall Cost

↑ 6.2%

More expensive

Monthly Impact

$467

Extra cost

Annual Impact

$5.6K

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

Phoenix, AZ

Population:1608K

Cost Index:106

Median Home:$414K

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!

Phoenix, AZ

The Grand Canyon State

1.6M

Population

State Tax

Yes

Climate

Hot desert

Notable Facts

•Fastest growing major city
•Desert metropolis
•Spring training capital

Major Industries

TechnologyHealthcareTourismManufacturing

Cost Breakdown by Category

Annual spending: Gallatin, TN vs Phoenix, AZ

Category	Gallatin, TN	Phoenix, AZ	Difference	Change
🏠Housing	$2,250/mo	$2,788/mo	↑ $538more	23.9%
🚗Transportation	$1,211/mo	$1,489/mo	↑ $278more	22.9%
📦Other	$1,832/mo	$1,677/mo	↓ $154less	8.4%
⚡All Utilities	$504/mo	$561/mo	↑ $57.04more	11.3%
🛒Groceries	$922/mo	$963/mo	↑ $41.35more	4.5%
🏥Healthcare	$590/mo	$589/mo	↓ $1.08less	0.2%

🏠Housing

↑ 23.9%

Gallatin, TN

$2,250

Phoenix, AZ

$2,788

Difference

$538

🚗Transportation

↑ 22.9%

Gallatin, TN

$1,211

Phoenix, AZ

$1,489

Difference

$278

📦Other

↓ 8.4%

Gallatin, TN

$1,832

Phoenix, AZ

$1,677

Difference

$154

less

⚡All Utilities

↑ 11.3%

Gallatin, TN

$504

Phoenix, AZ

$561

Difference

$57.04

🛒Groceries

↑ 4.5%

Gallatin, TN

$922

Phoenix, AZ

$963

Difference

$41.35

🏥Healthcare

↓ 0.2%

Gallatin, TN

$590

Phoenix, AZ

$589

Difference

$1.08

less

🏠Rent Comparison

Studio

From$1,082

To$1,390

↑ $308

1 Bed

From$1,130

To$1,510

↑ $380

2 Bed

From$1,243

To$1,750

↑ $507

3 Bed

From$1,587

To$2,330

↑ $743

Gallatin, TNZIP-level data

1BR range: $1,410–$1,410/mo

Phoenix, AZZIP-level data

1BR range: $1,300–$2,380/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

$8,068

Monthly in Phoenix, AZ

$759

Difference

Home Values

Gallatin

Phoenix

$432K

Median Value

$414K

↑ +0.8%

YoY Change

↓ -3.1%

↑ +34.7%

5-Year Change

↑ +30.2%

$432K

Price Range

$274K - $957K

Homes in Phoenix are 4% less expensive than Gallatin

Calculate payment - Gallatin Calculate payment - Phoenix

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↓ $5.2K

More taxes

Monthly Difference

$436

Less take-home

Effective Rate Diff

3.5%

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

Phoenix, AZ

Federal Income Tax

Effective: 18.9%

$25.5K

Arizona State Tax

Effective: 3.5%

$5.2K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 28.2%

$42.2K

Take-Home Pay

$8,979/month

$107.8K

Additional Tax Information

Gallatin, TN Tax Rates

Sales Tax:9.5%

Property Tax:0.7%

Phoenix, AZ Tax Rates

Sales Tax:8.5%

Property Tax:0.6%

💡 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.