Is Nashville, TN cheaper than Garland, TX?

Based on cost of living data, Nashville, TN is 2.0% more expensive than Garland, TX. This translates to spending an extra $149 per month.

What salary do I need in Nashville, TN to live like I do in Garland, TX?

If you earn $150,000 in Garland, TX, you'd need approximately $151,782.178 in Nashville, TN to maintain the same standard of living.

How does housing cost compare between Garland, TX and Nashville, TN?

Housing in Nashville, TN is 10.9% more expensive than in Garland, TX. For a two-bedroom apartment, rent is $1,840/month in Nashville, TN compared to $1,880/month in Garland, TX.

How much can I save per month by moving from Garland, TX to Nashville, TN?

Living in Nashville, TN costs approximately $149 more per month than Garland, TX, or $1782 more per year, based on a $150,000 salary.

Garland, TX vs Nashville, TN: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

Current salary in Garland, TX

Numbers update automatically as you type

You'd spend $149/month more in Nashville, TN

$150.0K in your current city equals $151.8K in Nashville, TN

Rent data from HUD ZIP-level estimates · COL index from Dallas-Fort Worth-Arlington, TX area

Overall Cost

↑ 2.0%

More expensive

Monthly Impact

$149

Extra cost

Annual Impact

$1.8K

Per year

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

Garland, TX

Population:246K

Cost Index:100

Median Home:$273K

Nashville, TN

Population:689K

Cost Index:102

Median Home:$489K

Garland, TX

The Lone Star State

246K

Population

State Tax

No Income Tax

Located in Texas, this city has a population of 246K residents.

💡 Advantage: Texas has no state income tax!

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: Garland, TX vs Nashville, TN

Category	Garland, TX	Nashville, TN	Difference	Change
🏠Housing	$2,391/mo	$2,651/mo	↑ $260more	10.9%
📦Other	$1,774/mo	$1,942/mo	↑ $167more	9.4%
⚡All Utilities	$563/mo	$519/mo	↓ $43.71less	7.8%
🛒Groceries	$979/mo	$949/mo	↓ $29.98less	3.1%
🏥Healthcare	$632/mo	$607/mo	↓ $24.78less	3.9%
🚗Transportation	$1,298/mo	$1,284/mo	↓ $13.66less	1.1%

🏠Housing

↑ 10.9%

Garland, TX

$2,391

Nashville, TN

$2,651

Difference

$260

📦Other

↑ 9.4%

Garland, TX

$1,774

Nashville, TN

$1,942

Difference

$167

⚡All Utilities

↓ 7.8%

Garland, TX

$563

Nashville, TN

$519

Difference

$43.71

less

🛒Groceries

↓ 3.1%

Garland, TX

$979

Nashville, TN

$949

Difference

$29.98

less

🏥Healthcare

↓ 3.9%

Garland, TX

$632

Nashville, TN

$607

Difference

$24.78

less

🚗Transportation

↓ 1.1%

Garland, TX

$1,298

Nashville, TN

$1,284

Difference

$13.66

less

🏠Rent Comparison

Studio

From$1,540

To$1,600

↑ $60.00

1 Bed

From$1,600

To$1,680

↑ $80.00

2 Bed

From$1,880

To$1,840

↓ $40.00

3 Bed

From$2,370

To$2,350

↓ $20.00

Garland, TXZIP-level data

1BR range: $1,410–$1,820/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.

$7,637

Monthly in Garland, TX

$7,952

Monthly in Nashville, TN

$315

Difference

Home Values

Garland

Nashville

$273K

Median Value

$489K

↓ -5.7%

YoY Change

↓ -2.1%

↑ +25.8%

5-Year Change

↑ +32.1%

$240K - $330K

Price Range

$320K - $1.16M

Homes in Nashville are 79% more expensive than Garland

Calculate payment - Garland Calculate payment - Nashville

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

Garland, 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

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

Garland, TX Tax Rates

Sales Tax:8.2%

Property Tax:1.8%

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.