Is Nashville, TN cheaper than Key West, FL?

Based on cost of living data, Nashville, TN is 8.0% more expensive than Key West, FL. This translates to spending an extra $600 per month.

What salary do I need in Nashville, TN to live like I do in Key West, FL?

If you earn $150,000 in Key West, FL, you'd need approximately $157,195.758 in Nashville, TN to maintain the same standard of living.

How does housing cost compare between Key West, FL and Nashville, TN?

Housing in Nashville, TN is 2.9% more expensive than in Key West, FL. For a two-bedroom apartment, rent is $1,840/month in Nashville, TN compared to $1,714/month in Key West, FL.

How much can I save per month by moving from Key West, FL to Nashville, TN?

Living in Nashville, TN costs approximately $600 more per month than Key West, FL, or $7196 more per year, based on a $150,000 salary.

Key West, FL vs Nashville, TN: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 Key West, FL — COL adjusted from Miami, FL area + state data

Current salary in Key West, FL

Numbers update automatically as you type

You'd spend $600/month more in Nashville, TN

$150.0K in your current city equals $157.2K in Nashville, TN

Rent data from HUD ZIP-level estimates · COL index from area

Overall Cost

↑ 8.0%

More expensive

Monthly Impact

$600

Extra cost

Annual Impact

$7.2K

Per year

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

Key West, FL

Population:25K

Cost Index:100

Median Home:$510K

Nashville, TN

Population:689K

Cost Index:108

Median Home:$489K

Key West, FL

The Sunshine State

25K

Population

State Tax

No Income Tax

Located in Florida, this city has a population of 25K residents.

💡 Advantage: Florida 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: Key West, FL vs Nashville, TN

Category	Key West, FL	Nashville, TN	Difference	Change
📦Other	$1,623/mo	$1,942/mo	↑ $319more	19.7%
🚗Transportation	$1,133/mo	$1,284/mo	↑ $151more	13.3%
🏥Healthcare	$518/mo	$607/mo	↑ $88.88more	17.1%
🏠Housing	$2,575/mo	$2,651/mo	↑ $75.45more	2.9%
⚡All Utilities	$457/mo	$519/mo	↑ $62.00more	13.6%
🛒Groceries	$950/mo	$949/mo	↓ $1.01less	0.1%

📦Other

↑ 19.7%

Key West, FL

$1,623

Nashville, TN

$1,942

Difference

$319

🚗Transportation

↑ 13.3%

Key West, FL

$1,133

Nashville, TN

$1,284

Difference

$151

🏥Healthcare

↑ 17.1%

Key West, FL

$518

Nashville, TN

$607

Difference

$88.88

🏠Housing

↑ 2.9%

Key West, FL

$2,575

Nashville, TN

$2,651

Difference

$75.45

⚡All Utilities

↑ 13.6%

Key West, FL

$457

Nashville, TN

$519

Difference

$62.00

🛒Groceries

↓ 0.1%

Key West, FL

$950

Nashville, TN

$949

Difference

$1.01

less

🏠Rent Comparison

Studio

From$1,219

To$1,600

↑ $381

1 Bed

From$1,384

To$1,680

↑ $296

2 Bed

From$1,714

To$1,840

↑ $126

3 Bed

From$2,307

To$2,350

↑ $43.00

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.

$7,257

Monthly in Key West, FL

$7,952

Monthly in Nashville, TN

$695

Difference

Home Values

Key West

Nashville

Median Value

$489K

YoY Change

↓ -2.1%

5-Year Change

↑ +32.1%

Price Range

$320K - $1.16M

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

Key West, FL

Federal Income Tax

Effective: 18.9%

$25.5K

Florida 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

Key West, FL Tax Rates

Sales Tax:7.2%

Property Tax:0.8%

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.