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Cost of Living Comparison 2026

Data: HUD rent estimates, BLS cost of living

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Numbers update automatically as you type

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

$150.0K in your current city equals $112.7K in Nashville, TN

Rent data from HUD ZIP-level estimates · COL index from Riverside-San Bernardino-Ontario, CA area
Overall Cost
41.5%
Less expensive
Monthly Impact
$3,110
Savings
Annual Impact
$37.3K
Per year

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

Lake Forest, CA

Population:86K
Cost Index:
100
100 = national average
Median Home:$1.15M

Nashville, TN

Population:689K
Cost Index:
59
(41% below avg)
Median Home:$489K

Lake Forest, CA

The Golden State

86K
Population
State Tax
Yes

Located in California, this city has a population of 86K 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: Lake Forest, CA vs Nashville, TN

Housing
59.8%
Lake Forest, CA
$6,595
Nashville, TN
$2,651
Difference
$3,944
less
Transportation
38.8%
Lake Forest, CA
$2,098
Nashville, TN
$1,284
Difference
$814
less
Other
15.8%
Lake Forest, CA
$1,676
Nashville, TN
$1,942
Difference
$265
more
Groceries
7.4%
Lake Forest, CA
$1,025
Nashville, TN
$949
Difference
$75.43
less
Healthcare
11.7%
Lake Forest, CA
$544
Nashville, TN
$607
Difference
$63.46
more
All Utilities
5.5%
Lake Forest, CA
$550
Nashville, TN
$519
Difference
$30.47
less

🏠Rent Comparison

Studio
From$2,446
To$1,600
$846
1 Bed
From$2,504
To$1,680
$824
2 Bed
From$2,950
To$1,840
$1,110
3 Bed
From$4,008
To$2,350
$1,658
Lake Forest, CAZIP-level data

1BR range: $3,030$3,030/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.

$12,488
Monthly in Lake Forest, CA
$7,952
Monthly in Nashville, TN
$4,535
Difference

Home Values

Lake Forest
Nashville
$1.15M
Median Value
$489K
↓ -2.4%
YoY Change
↓ -2.1%
↑ +50.4%
5-Year Change
↑ +32.1%
$1.15M
Price Range
$320K - $1.16M

Homes in Nashville are 58% less expensive than Lake Forest

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

Lake Forest, 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
$0
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

Lake Forest, 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.

Environment

Lake Forest
Nashville
54 Moderate
Air Quality
50 Good
32.5%
Good Air Days
51.6%
100 Very High
Climate Risk
97 High
🔥🌊🌅
Top Hazards
🌊🫨🌪
+2.3°F
2050 Outlook
+2.8°F
5 days
Heat Days >95°F
42 days
+2.3°F
2050 Outlook
+2.8°F
5 days
Heat Days >95°F
42 days

What to Consider When Moving from Lake Forest, CA to Nashville, TN

Relocating from Lake Forest, CA to Nashville, TN involves more than just comparing rent prices. While the overall cost of living is about 41% lower in Nashville, TN, your actual experience will depend on your lifestyle, job situation, and priorities. Here are the key factors to weigh before making the move.

Housing & Rent

Housing is typically the largest line item in any budget, and it’s where the biggest differences show up between cities. In this comparison, housing in Nashville, TN is 60% cheaper than in Lake Forest, CA. Keep in mind that neighborhood choice within a city can swing rent by 30–50%, so research specific areas — not just city averages — before signing a lease. If you’re buying, factor in property tax rates, which vary significantly by county and state.

Job Market & Salary Adjustments

A lower cost of living doesn’t help if your salary drops proportionally. Before committing to a move, research whether employers in Nashville, TN pay comparable wages for your role. Remote workers may keep their current salary, but some companies adjust pay based on location. Use the salary calculator above to see what you’d need to earn in Nashville, TN to match your current standard of living in Lake Forest, CA.

Taxes & Take-Home Pay

State income tax, property tax, and sales tax all affect how far your paycheck stretches. Some states have no income tax but make up for it with higher property or sales taxes. The tax comparison section above breaks down how your take-home pay would change. Don’t forget about vehicle registration fees, tolls, and other state-specific costs that add up over a year.

Quality of Life & Lifestyle Fit

Numbers only tell part of the story. Consider climate preferences, commute times, proximity to family, school quality if you have children, healthcare access, and the general “feel” of a city. A place that’s 15% cheaper might not be worth it if it means a longer commute or fewer amenities you value. If possible, visit Nashville, TN for a week before making a final decision — experiencing the day-to-day rhythm matters more than any spreadsheet.

Frequently Asked Questions: Lake Forest, CA vs Nashville, TN

Is Nashville, TN cheaper than Lake Forest, CA?

Yes, Nashville, TN is about 41.5% cheaper than Lake Forest, CA. You could save approximately $3,110/month on a $150,000 salary. Housing costs are 60% lower in Nashville, TN.

What salary do I need in Nashville, TN to match my lifestyle in Lake Forest, CA?

If you currently earn $150,000 in Lake Forest, CA, you would need approximately $112,676 in Nashville, TN to maintain the same standard of living. This accounts for differences in housing, groceries, transportation, utilities, healthcare, and other typical expenses. Use the salary input above to adjust this based on your actual income.

How does rent compare between Lake Forest, CA and Nashville, TN?

A two-bedroom apartment averages $2,950/month in Lake Forest, CA compared to $1,840/month in Nashville, TN. One-bedroom apartments are $2,504/month in Lake Forest, CA vs $1,680/month in Nashville, TN. These are area-wide medians — specific neighborhoods can vary significantly. Check the ZIP-level rent breakdown above for more granular data.

Are groceries more expensive in Lake Forest, CA or Nashville, TN?

Groceries are about 7% cheaper in Nashville, TN than in Lake Forest, CA, saving a typical household roughly $75.43/month on food.

What is the best time to move from Lake Forest, CA to Nashville, TN?

Most people find that moving during the off-season (October through March) results in lower moving costs, since demand for movers and rental trucks drops. If you're renting, you may also find more negotiable lease terms during winter months. However, if you have school-age children, summer moves allow for a smoother school transition. For the best combination of availability and price, consider moving in early fall or late spring.

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

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