Is Nashville, TN cheaper than Kearny, NJ?

Based on cost of living data, Nashville, TN is 0.1% cheaper than Kearny, NJ. The two cities have very similar living costs.

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

If you earn $150,000 in Kearny, NJ, you'd need approximately $149,870.124 in Nashville, TN to maintain the same standard of living.

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

Housing in Nashville, TN is 36.4% more expensive than in Kearny, NJ. For a two-bedroom apartment, rent is $1,840/month in Nashville, TN compared to $2,090/month in Kearny, NJ.

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

Moving from Kearny, NJ to Nashville, TN could save you approximately $11 per month, or $130 per year, based on a $150,000 salary.

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

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Cost of Living Comparison 2026

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

Current salary in Kearny, NJ

Numbers update automatically as you type

You'd save $10.82/month moving to Nashville, TN

$150.0K in your current city equals $149.9K in Nashville, TN

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

Overall Cost

↓ 0.1%

Less expensive

Monthly Impact

$10.82

Savings

Annual Impact

$130

Per year

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

Kearny, NJ

Population:39K

Cost Index:100

Median Home:$572K

Nashville, TN

Population:689K

Cost Index:100

Median Home:$489K

Kearny, NJ

The Garden State

39K

Population

State Tax

Yes

Located in New Jersey, this city has a population of 39K 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: Kearny, NJ vs Nashville, TN

Category	Kearny, NJ	Nashville, TN	Difference	Change
🏠Housing	$1,943/mo	$2,651/mo	↑ $707more	36.4%
🚗Transportation	$1,526/mo	$1,284/mo	↓ $242less	15.9%
🛒Groceries	$1,074/mo	$949/mo	↓ $125less	11.6%
🏥Healthcare	$672/mo	$607/mo	↓ $64.92less	9.7%
⚡All Utilities	$582/mo	$519/mo	↓ $62.97less	10.8%
📦Other	$1,935/mo	$1,942/mo	↑ $7.28more	0.4%

🏠Housing

↑ 36.4%

Kearny, NJ

$1,943

Nashville, TN

$2,651

Difference

$707

🚗Transportation

↓ 15.9%

Kearny, NJ

$1,526

Nashville, TN

$1,284

Difference

$242

less

🛒Groceries

↓ 11.6%

Kearny, NJ

$1,074

Nashville, TN

$949

Difference

$125

less

🏥Healthcare

↓ 9.7%

Kearny, NJ

$672

Nashville, TN

$607

Difference

$64.92

less

⚡All Utilities

↓ 10.8%

Kearny, NJ

$582

Nashville, TN

$519

Difference

$62.97

less

📦Other

↑ 0.4%

Kearny, NJ

$1,935

Nashville, TN

$1,942

Difference

$7.28

🏠Rent Comparison

Studio

From$1,823

To$1,600

↓ $223

1 Bed

From$1,859

To$1,680

↓ $179

2 Bed

From$2,090

To$1,840

↓ $250

3 Bed

From$2,549

To$2,350

↓ $199

Kearny, NJZIP-level data

1BR range: $2,230–$2,350/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.

$7,733

Monthly in Kearny, NJ

$7,952

Monthly in Nashville, TN

$219

Difference

Home Values

Kearny

Nashville

$572K

Median Value

$489K

↑ +3.2%

YoY Change

↓ -2.1%

↑ +27.2%

5-Year Change

↑ +32.1%

$571K - $572K

Price Range

$320K - $1.16M

Homes in Nashville are 14% less expensive than Kearny

Calculate payment - Kearny 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

Kearny, 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

Kearny, 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.