Hendersonville, TN vs Charlottesville, VA: Cost of Living

Which city costs less?

Charlottesville, VA has a modeled overall cost index 2.3% lower than Hendersonville, TN.

Hendersonville, TN · modeled 2BR rent: $1,890 / month
Charlottesville, VA · modeled 2BR rent: $1,940 / month

These are saved estimates, not current rental listings. Some cities use adjusted regional data. Your household budget can differ from the overall index. Sources and assumptions

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Cost of Living Comparison 2026

Compare Hendersonville, TN and Charlottesville, VA using saved regional data and explicit budgeting assumptions. Rent estimates are not live listings. Change the salary below, then check the source notes before applying a result to your household.

Saved regional estimates · Sources and assumptions

Current salary in Hendersonville, TN

Numbers update automatically as you type

Estimated savings: $142/month in Charlottesville, VA

$150,000 in your current city has a modeled equivalent of $148,297 in Charlottesville, VA

Regional cost estimates: Hendersonville, TN uses Nashville, TN. Charlottesville, VA uses Richmond, VA. Available city ZIP rent estimates are shown separately.

Overall Cost

↓ 2.3%

Less expensive

Monthly Impact

$142

Savings

Annual Impact

$1.7K

Per year

Assumes 60% of current gross income goes to living costs. The headline uses the category budget below; taxes, moving costs and savings goals are excluded.

Hendersonville, TN

Population:64K

Cost Index:

97.7

100 = national average

Typical Home:$500K

Charlottesville, VA

Population:45K

Cost Index:

95.4

100 = national average

Typical Home:$514K

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Hendersonville, TN

The Volunteer State

64K

Population

State Tax

No Income Tax

Located in Tennessee, this city has a population of 64K residents.

💡 Advantage: Tennessee has no state income tax!

Charlottesville, VA

The Old Dominion State

45K

Population

State Tax

Yes

Located in Virginia, this city has a population of 45K residents.

Cost Breakdown by Category

Estimated monthly spending: Hendersonville, TN vs Charlottesville, VA

Assumes 60% of your current gross income is spent on these categories. The headline and totals use this same budget. Rent estimates below are separate reference data. Rounded amounts may differ by $1.

Category	Hendersonville, TN	Charlottesville, VA	Difference	Change
Other	$1,881/mo	$1,713/mo	↓ $168less	8.9%
Housing	$2,311/mo	$2,234/mo	↓ $77.05less	3.3%
All Utilities	$516/mo	$572/mo	↑ $56.09more	10.9%
Healthcare	$604/mo	$631/mo	↑ $26.57more	4.4%
Groceries	$944/mo	$957/mo	↑ $12.85more	1.4%
Transportation	$1,244/mo	$1,251/mo	↑ $7.60more	0.6%

Other

↓ 8.9%

Hendersonville, TN

$1,881

Charlottesville, VA

$1,713

Difference

$168

less

Housing

↓ 3.3%

Hendersonville, TN

$2,311

Charlottesville, VA

$2,234

Difference

$77.05

less

All Utilities

↑ 10.9%

Hendersonville, TN

$516

Charlottesville, VA

$572

Difference

$56.09

Healthcare

↑ 4.4%

Hendersonville, TN

$604

Charlottesville, VA

$631

Difference

$26.57

Groceries

↑ 1.4%

Hendersonville, TN

$944

Charlottesville, VA

$957

Difference

$12.85

Transportation

↑ 0.6%

Hendersonville, TN

$1,244

Charlottesville, VA

$1,251

Difference

$7.60

🏠Rent Comparison

Studio

From$1,650

To$1,510

↓ $140

1 Bed

From$1,720

To$1,700

↓ $20.00

2 Bed

From$1,890

To$1,940

↑ $50.00

3 Bed

From$2,420

To$2,360

↓ $60.00

Hendersonville, TNZIP-level data

1BR range: $1,720–$1,720/mo

Charlottesville, VAZIP-level data

1BR range: $1,700–$1,700/mo

💡 Note: HUD Fair Market Rents estimate 40th-percentile gross rents, including most tenant-paid utilities. City ZIP summaries are medians of those estimates, not market median rents. Actual prices vary by neighborhood, amenities, and condition. Source: HUD Small Area Fair Market Rents FY2026.

$7,500

Monthly in Hendersonville, TN

$7,358

Monthly in Charlottesville, VA

$142

Difference

Home Values

Hendersonville

Charlottesville

$500K

Median Value

$514K

↑ +0.4%

YoY Change

↑ +1%

↑ +36%

5-Year Change

↑ +34.1%

Homes in Charlottesville are 3% more expensive than Hendersonville

Calculate payment - Hendersonville Calculate payment - Charlottesville

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↓ $8.4K

More taxes

Monthly Difference

$697

Less take-home

Effective Rate Diff

5.6%

Rate difference

Hendersonville, 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

Charlottesville, VA

Federal Income Tax

Effective: 18.9%

$25.5K

Virginia State Tax

Effective: 5.6%

$8.4K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 30.3%

$45.4K

Take-Home Pay

$8,718/month

$104.6K

Additional Tax Information

Hendersonville, TN Tax Rates

Sales Tax:9.5%

Property Tax:0.7%

Charlottesville, VA Tax Rates

Sales Tax:5.7%

Property Tax:0.8%

💡 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

Hendersonville

Charlottesville

50 Good

Air Quality

36 Good

51.6%

Good Air Days

79.2%

97 High

Climate Risk

78 Low

🌊🫨🌪

Top Hazards

None

▲+2.8°F

2050 Outlook

▲+2.8°F

42 days

Heat Days >95°F

30 days

▲+2.8°F

2050 Outlook

▲+2.8°F

42 days

Heat Days >95°F

30 days

Before moving from Hendersonville, TN to Charlottesville, VA

Use this comparison to shortlist a move, then check the costs that depend on your household.

Compare actual homes. Get current quotes in Charlottesville, VA for the same bedroom count and included utilities as your home in Hendersonville, TN. Add parking, deposits, insurance and any overlapping leases. The rent estimates above are a starting point, not available listings.
Confirm your income. Check your expected pay with your employer, including any location adjustment. Use “Different salary at destination?” above to compare two incomes. The budget model excludes taxes and one-time moving costs; it is not a take-home-pay calculation.
Price your daily routine. Check the commute from a specific address to work, school or childcare. Add household expenses missing from this model, such as childcare, debt payments and medical needs. Verify local services before signing a lease.
Plan the transition. Get moving quotes and budget for travel, setup costs and time off. Open your Hendersonville to Charlottesville moving checklist to organize the tasks and timing.

Still choosing a destination? Explore cities similar to Charlottesville, VA by cost, housing, population and region.

Frequently Asked Questions: Hendersonville, TN vs Charlottesville, VA

How do the cost estimates for Hendersonville, TN and Charlottesville, VA compare?

Charlottesville, VA has a modeled overall cost index 2.3% lower than Hendersonville, TN. This is a broad model comparison, not a survey of today's prices or a forecast of your household spending. Some cities use adjusted regional fallback data.

What does the equivalent salary mean?

At a $150,000 salary in Hendersonville, TN, the model estimates $148,297 in Charlottesville, VA. It allocates 60% of gross income to the origin city’s category budget and applies each destination category’s relative cost. The equivalent salary adds the total category difference to your income. The monthly difference is the same category difference divided by 12; it is not take-home pay or guaranteed savings. Household size, childcare and your actual lease are not inputs to this calculation.

What rent estimates are available for Hendersonville, TN and Charlottesville, VA?

The modeled two-bedroom rents are $1,890/month in Hendersonville, TN and $1,940/month in Charlottesville, VA. Where available, the source is a city median of HUD FY2026 ZIP-level estimates; otherwise a saved metro table is used. City adjustments may also apply. These are not asking rents or available listings. Compare actual properties with the same bedroom count and included utilities.

How should I use this comparison before moving?

Use it to shortlist locations, then replace modeled costs with a current housing quote, employer-confirmed income, commute costs, insurance and your household's other expenses. Add one-time moving costs separately. Source years differ and the saved datasets are not a live price feed. Read the methodology for the formulas and fallback rules.

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