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Cost of Living Comparison 2026

📍 Germantown, TN — ZIP-level rent data · COL adjusted from Memphis, TN area

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Numbers update automatically as you type

You'd spend $2.1K/month more in Austin, TX

$150.0K in your current city equals $174.6K in Austin, TX

Rent data from HUD ZIP-level estimates · COL index from Memphis, TN-MS-AR area
Overall Cost
↑ 27.4%
More expensive
Monthly Impact
$2,054
Extra cost
Annual Impact
$24.6K
Per year

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

Germantown, TN

Population:40K
Cost Index:100
Median Home:$502K

Austin, TX

Population:979K
Cost Index:127
Median Home:$558K

Germantown, TN

The Volunteer State

40K
Population
State Tax
No Income Tax

Located in Tennessee, this city has a population of 40K 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: Germantown, TN vs Austin, TX

🏠Housing
↑ 84.8%
Germantown, TN
$1,561
Austin, TX
$2,885
Difference
$1,323
more
📦Other
↑ 10.6%
Germantown, TN
$1,574
Austin, TX
$1,741
Difference
$167
more
🚗Transportation
↑ 9.9%
Germantown, TN
$1,169
Austin, TX
$1,284
Difference
$115
more
🏥Healthcare
↑ 15.3%
Germantown, TN
$511
Austin, TX
$589
Difference
$77.95
more
🛒Groceries
↑ 5.3%
Germantown, TN
$911
Austin, TX
$959
Difference
$48.52
more
⚡All Utilities
↑ 5.3%
Germantown, TN
$514
Austin, TX
$541
Difference
$27.03
more

🏠Rent Comparison

Studio
From$1,251
To$1,585
↑ $334
1 Bed
From$1,363
To$1,685
↑ $322
2 Bed
From$1,502
To$1,995
↑ $493
3 Bed
From$1,982
To$2,525
↑ $543
Germantown, TNZIP-level data

1BR range: $1,680–$1,730/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.

$6,239
Monthly in Germantown, TN
$7,998
Monthly in Austin, TX
$1,759
Difference

Home Values

Germantown
Austin
$502K
Median Value
$558K
↓ -0.6%
YoY Change
↓ -5%
↑ +24.4%
5-Year Change
↑ +12.6%
$424K - $580K
Price Range
$272K - $1.26M

Homes in Austin are 11% more expensive than Germantown

Calculate payment - GermantownCalculate 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
$0
Same take-home
Effective Rate Diff
0.0%
Rate difference

Germantown, TN

Federal Income Tax
Effective: 18.9%
$25.5K
Tennessee 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

Austin, TX

Federal Income Tax
Effective: 18.9%
$25.5K
Texas 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

Additional Tax Information

Germantown, 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.

Environment

Germantown
Austin
55 Moderate
Air Quality
52 Moderate
34.4%
Good Air Days
42.6%
99 High
Climate Risk
98 High
🌊🌡🫨
Top Hazards
🌊🌡🌪
▲+2.8°F
2050 Outlook
▲+2.5°F
54 days
Heat Days >95°F
98 days
▲+2.8°F
2050 Outlook
▲+2.5°F
54 days
Heat Days >95°F
98 days

💰 See how taxes change too — compare take-home pay between Tennessee and Texas on TaxTakeHome.com

Similar cost to Austin, TX

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