Is Nashville, TN cheaper than Laguna Niguel, CA?

Based on cost of living data, Nashville, TN is 41.1% cheaper than Laguna Niguel, CA. This translates to saving $3080 per month.

What salary do I need in Nashville, TN to live like I do in Laguna Niguel, CA?

If you earn $150,000 in Laguna Niguel, CA, you'd need approximately $113,044.006 in Nashville, TN to maintain the same standard of living.

How does housing cost compare between Laguna Niguel, CA and Nashville, TN?

Housing in Nashville, TN is 59.5% cheaper than in Laguna Niguel, CA. For a two-bedroom apartment, rent is $1,840/month in Nashville, TN compared to $3,193/month in Laguna Niguel, CA.

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

Moving from Laguna Niguel, CA to Nashville, TN could save you approximately $3080 per month, or $36956 per year, based on a $150,000 salary.

Laguna Niguel, CA vs Nashville, TN: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 Laguna Niguel, CA — ZIP-level rent data · COL adjusted from Irvine, CA area

Current salary in Laguna Niguel, CA

Numbers update automatically as you type

You'd save $3.1K/month moving to Nashville, TN

$150.0K in your current city equals $113.0K in Nashville, TN

Rent data from HUD ZIP-level estimates · COL index from Riverside-San Bernardino-Ontario, CA area

Overall Cost

↓ 41.1%

Less expensive

Monthly Impact

$3,080

Savings

Annual Impact

$37.0K

Per year

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

Laguna Niguel, CA

Population:63K

Cost Index:100

Median Home:$2.18M

Nashville, TN

Population:689K

Cost Index:59

Median Home:$489K

Laguna Niguel, CA

The Golden State

63K

Population

State Tax

Yes

Located in California, this city has a population of 63K 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: Laguna Niguel, CA vs Nashville, TN

Category	Laguna Niguel, CA	Nashville, TN	Difference	Change
🏠Housing	$6,549/mo	$2,651/mo	↓ $3,898less	59.5%
🚗Transportation	$2,084/mo	$1,284/mo	↓ $800less	38.4%
📦Other	$1,665/mo	$1,942/mo	↑ $277more	16.6%
🛒Groceries	$1,021/mo	$949/mo	↓ $71.86less	7.0%
🏥Healthcare	$542/mo	$607/mo	↑ $65.35more	12.1%
⚡All Utilities	$548/mo	$519/mo	↓ $28.56less	5.2%

🏠Housing

↓ 59.5%

Laguna Niguel, CA

$6,549

Nashville, TN

$2,651

Difference

$3,898

less

🚗Transportation

↓ 38.4%

Laguna Niguel, CA

$2,084

Nashville, TN

$1,284

Difference

$800

less

📦Other

↑ 16.6%

Laguna Niguel, CA

$1,665

Nashville, TN

$1,942

Difference

$277

🛒Groceries

↓ 7.0%

Laguna Niguel, CA

$1,021

Nashville, TN

$949

Difference

$71.86

less

🏥Healthcare

↑ 12.1%

Laguna Niguel, CA

$542

Nashville, TN

$607

Difference

$65.35

⚡All Utilities

↓ 5.2%

Laguna Niguel, CA

$548

Nashville, TN

$519

Difference

$28.56

less

🏠Rent Comparison

Studio

From$2,647

To$1,600

↓ $1,047

1 Bed

From$2,708

To$1,680

↓ $1,028

2 Bed

From$3,193

To$1,840

↓ $1,353

3 Bed

From$4,333

To$2,350

↓ $1,983

Laguna Niguel, CAZIP-level data

1BR range: $3,260–$3,340/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.

$12,408

Monthly in Laguna Niguel, CA

$7,952

Monthly in Nashville, TN

$4,456

Difference

Home Values

Laguna Niguel

Nashville

$2.18M

Median Value

$489K

↑ +1.5%

YoY Change

↓ -2.1%

↑ +55.7%

5-Year Change

↑ +32.1%

$1.43M - $2.93M

Price Range

$320K - $1.16M

Homes in Nashville are 78% less expensive than Laguna Niguel

Calculate payment - Laguna Niguel 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

Laguna Niguel, 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

Laguna Niguel, 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.