Is Nashville, TN cheaper than Ladera Ranch, CA?

Based on cost of living data, Nashville, TN is 39.9% cheaper than Ladera Ranch, CA. This translates to saving $2991 per month.

What salary do I need in Nashville, TN to live like I do in Ladera Ranch, CA?

If you earn $150,000 in Ladera Ranch, CA, you'd need approximately $114,111.179 in Nashville, TN to maintain the same standard of living.

How does housing cost compare between Ladera Ranch, CA and Nashville, TN?

Housing in Nashville, TN is 58.7% cheaper than in Ladera Ranch, CA. For a two-bedroom apartment, rent is $1,840/month in Nashville, TN compared to $2,655/month in Ladera Ranch, CA.

How much can I save per month by moving from Ladera Ranch, CA to Nashville, TN?

Moving from Ladera Ranch, CA to Nashville, TN could save you approximately $2991 per month, or $35889 per year, based on a $150,000 salary.

Ladera Ranch, CA vs Nashville, TN: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 Ladera Ranch, CA — COL adjusted from Irvine, CA area + state data

Current salary in Ladera Ranch, CA

Numbers update automatically as you type

You'd save $3.0K/month moving to Nashville, TN

$150.0K in your current city equals $114.1K in Nashville, TN

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

Overall Cost

↓ 39.9%

Less expensive

Monthly Impact

$2,991

Savings

Annual Impact

$35.9K

Per year

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

Ladera Ranch, CA

Population:26K

Cost Index:100

Nashville, TN

Population:689K

Cost Index:60

Median Home:$489K

Ladera Ranch, CA

The Golden State

26K

Population

State Tax

Yes

Located in California, this city has a population of 26K 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: Ladera Ranch, CA vs Nashville, TN

Category	Ladera Ranch, CA	Nashville, TN	Difference	Change
🏠Housing	$6,420/mo	$2,651/mo	↓ $3,769less	58.7%
🚗Transportation	$2,043/mo	$1,284/mo	↓ $759less	37.1%
📦Other	$1,632/mo	$1,942/mo	↑ $310more	19.0%
🏥Healthcare	$536/mo	$607/mo	↑ $70.72more	13.2%
🛒Groceries	$1,011/mo	$949/mo	↓ $61.74less	6.1%
⚡All Utilities	$542/mo	$519/mo	↓ $23.13less	4.3%

🏠Housing

↓ 58.7%

Ladera Ranch, CA

$6,420

Nashville, TN

$2,651

Difference

$3,769

less

🚗Transportation

↓ 37.1%

Ladera Ranch, CA

$2,043

Nashville, TN

$1,284

Difference

$759

less

📦Other

↑ 19.0%

Ladera Ranch, CA

$1,632

Nashville, TN

$1,942

Difference

$310

🏥Healthcare

↑ 13.2%

Ladera Ranch, CA

$536

Nashville, TN

$607

Difference

$70.72

🛒Groceries

↓ 6.1%

Ladera Ranch, CA

$1,011

Nashville, TN

$949

Difference

$61.74

less

⚡All Utilities

↓ 4.3%

Ladera Ranch, CA

$542

Nashville, TN

$519

Difference

$23.13

less

🏠Rent Comparison

Studio

From$1,770

To$1,600

↓ $170

1 Bed

From$2,092

To$1,680

↓ $412

2 Bed

From$2,655

To$1,840

↓ $815

3 Bed

From$3,862

To$2,350

↓ $1,512

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.

$12,184

Monthly in Ladera Ranch, CA

$7,952

Monthly in Nashville, TN

$4,232

Difference

Home Values

Ladera Ranch

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

↑ $10.6K

Per year

Monthly Difference

$886

More take-home

Effective Rate Diff

7.1%

Rate difference

Ladera Ranch, CA

Federal Income Tax

Effective: 18.9%

$25.5K

California State Tax

Effective: 7.1%

$10.6K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 31.8%

$47.6K

Take-Home Pay

$8,530/month

$102.4K

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

Ladera Ranch, CA Tax Rates

Sales Tax:10.5%

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.