Is Nashville, TN cheaper than Garfield, NJ?

Based on cost of living data, Nashville, TN is 0.3% more expensive than Garfield, NJ. The two cities have very similar living costs.

What salary do I need in Nashville, TN to live like I do in Garfield, NJ?

If you earn $150,000 in Garfield, NJ, you'd need approximately $150,266.461 in Nashville, TN to maintain the same standard of living.

How does housing cost compare between Garfield, NJ and Nashville, TN?

Housing in Nashville, TN is 37.0% more expensive than in Garfield, NJ. For a two-bedroom apartment, rent is $1,840/month in Nashville, TN compared to $1,722/month in Garfield, NJ.

How much can I save per month by moving from Garfield, NJ to Nashville, TN?

Garfield, NJ and Nashville, TN have very similar costs of living, based on a $150,000 salary.

Garfield, NJ vs Nashville, TN: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 Garfield, NJ — ZIP-level rent data · COL adjusted from Newark, NJ area

Current salary in Garfield, NJ

Numbers update automatically as you type

You'd spend $22.21/month more in Nashville, TN

$150.0K in your current city equals $150.3K in Nashville, TN

Rent data from HUD ZIP-level estimates · COL index from New York-Newark-Jersey City, NY-NJ-PA area

Overall Cost

↑ 0.3%

More expensive

Monthly Impact

$22.21

Extra cost

Annual Impact

$266

Per year

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

Garfield, NJ

Population:32K

Cost Index:100

Median Home:$570K

Nashville, TN

Population:689K

Cost Index:100

Median Home:$489K

Garfield, NJ

The Garden State

32K

Population

State Tax

Yes

Located in New Jersey, this city has a population of 32K residents.

Nashville, TN

The Volunteer State

689K

Population

State Tax

No Income Tax

Climate

Humid subtropical

Notable Facts

•Music City USA
•Country music capital
•Healthcare industry hub

Major Industries

Music IndustryHealthcareTourismFinance

Cost Breakdown by Category

Annual spending: Garfield, NJ vs Nashville, TN

Category	Garfield, NJ	Nashville, TN	Difference	Change
🏠Housing	$1,935/mo	$2,651/mo	↑ $716more	37.0%
🚗Transportation	$1,520/mo	$1,284/mo	↓ $236less	15.5%
🛒Groceries	$1,072/mo	$949/mo	↓ $123less	11.4%
🏥Healthcare	$671/mo	$607/mo	↓ $63.44less	9.5%
⚡All Utilities	$581/mo	$519/mo	↓ $61.69less	10.6%
📦Other	$1,926/mo	$1,942/mo	↑ $15.78more	0.8%

🏠Housing

↑ 37.0%

Garfield, NJ

$1,935

Nashville, TN

$2,651

Difference

$716

🚗Transportation

↓ 15.5%

Garfield, NJ

$1,520

Nashville, TN

$1,284

Difference

$236

less

🛒Groceries

↓ 11.4%

Garfield, NJ

$1,072

Nashville, TN

$949

Difference

$123

less

🏥Healthcare

↓ 9.5%

Garfield, NJ

$671

Nashville, TN

$607

Difference

$63.44

less

⚡All Utilities

↓ 10.6%

Garfield, NJ

$581

Nashville, TN

$519

Difference

$61.69

less

📦Other

↑ 0.8%

Garfield, NJ

$1,926

Nashville, TN

$1,942

Difference

$15.78

🏠Rent Comparison

Studio

From$1,317

To$1,600

↑ $283

1 Bed

From$1,503

To$1,680

↑ $177

2 Bed

From$1,722

To$1,840

↑ $118

3 Bed

From$2,101

To$2,350

↑ $249

Garfield, NJZIP-level data

1BR range: $1,860–$1,860/mo

Nashville, TNZIP-level data

1BR range: $1,320–$2,230/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.

$7,704

Monthly in Garfield, NJ

$7,952

Monthly in Nashville, TN

$248

Difference

Home Values

Garfield

Nashville

$570K

Median Value

$489K

↑ +1.3%

YoY Change

↓ -2.1%

↑ +32.8%

5-Year Change

↑ +32.1%

$570K

Price Range

$320K - $1.16M

Homes in Nashville are 14% less expensive than Garfield

Calculate payment - Garfield Calculate payment - Nashville

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $7.4K

Per year

Monthly Difference

$619

More take-home

Effective Rate Diff

5.0%

Rate difference

Garfield, NJ

Federal Income Tax

Effective: 18.9%

$25.5K

New Jersey State Tax

Effective: 5.0%

$7.4K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 29.6%

$44.4K

Take-Home Pay

$8,796/month

$105.6K

Nashville, 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

Garfield, NJ Tax Rates

Sales Tax:6.6%

Property Tax:2.5%

Nashville, 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.