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Cost of Living Comparison 2026

Data: HUD rent estimates, BLS cost of living

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You'd spend $721/month more in Huntsville, AL

$150.0K in your current city equals $158.7K in Huntsville, AL

Rent data from HUD ZIP-level estimates · COL index from Memphis, TN-MS-AR area
Overall Cost
↑ 9.6%
More expensive
Monthly Impact
$721
Extra cost
Annual Impact
$8.7K
Per year

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

Memphis, TN

Population:633K
Cost Index:
100
100 = national average
Median Home:$129K

Huntsville, AL

Population:226K
Cost Index:
110
(10% above avg)
Median Home:$310K

Memphis, TN

The Volunteer State

633K
Population
State Tax
No Income Tax

Located in Tennessee, this city has a population of 633K residents.

💡 Advantage: Tennessee has no state income tax!

Huntsville, AL

The Heart of Dixie

226K
Population
State Tax
Yes

Located in Alabama, this city has a population of 226K residents.

Cost Breakdown by Category

Annual spending: Memphis, TN vs Huntsville, AL

Housing
↑ 12.9%
Memphis, TN
$1,845
Huntsville, AL
$2,084
Difference
$239
more
Transportation
↑ 4.8%
Memphis, TN
$1,243
Huntsville, AL
$1,303
Difference
$59.46
more
Groceries
↑ 6.3%
Memphis, TN
$939
Huntsville, AL
$999
Difference
$59.26
more
All Utilities
↑ 6.2%
Memphis, TN
$530
Huntsville, AL
$563
Difference
$33.07
more
Other
↑ 1.9%
Memphis, TN
$1,674
Huntsville, AL
$1,705
Difference
$31.03
more
Healthcare
↑ 1.6%
Memphis, TN
$527
Huntsville, AL
$535
Difference
$8.66
more

🏠Rent Comparison

Studio
From$1,035
To$1,138
↑ $103
1 Bed
From$1,125
To$1,257
↑ $132
2 Bed
From$1,245
To$1,447
↑ $202
3 Bed
From$1,645
To$1,864
↑ $219
Memphis, TNZIP-level data

1BR range: $940–$1,730/mo

Huntsville, ALZIP-level data

1BR range: $970–$1,710/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.

$6,758
Monthly in Memphis, TN
$7,188
Monthly in Huntsville, AL
$430
Difference

Home Values

Memphis
Huntsville
$129K
Median Value
$310K
↓ -2.8%
YoY Change
↓ -0.4%
↑ +25.1%
5-Year Change
↑ +29.4%
$58K - $408K
Price Range
$153K - $382K

Homes in Huntsville are 140% more expensive than Memphis

Calculate payment - MemphisCalculate payment - Huntsville

Source: Zillow Home Value Index (ZHVI), January 2026

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
↓ $7.5K
More taxes
Monthly Difference
$622
Less take-home
Effective Rate Diff
5.0%
Rate difference

Memphis, 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

Huntsville, AL

Federal Income Tax
Effective: 18.9%
$25.5K
Alabama State Tax
Effective: 5.0%
$7.5K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 29.6%
$44.5K
Take-Home Pay
$8,794/month
$105.5K

Additional Tax Information

Memphis, TN Tax Rates

Sales Tax:9.5%
Property Tax:0.7%

Huntsville, AL Tax Rates

Sales Tax:9.1%
Property Tax:0.4%

💡 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

Memphis
Huntsville
55 Moderate
Air Quality
57 Moderate
34.4%
Good Air Days
26%
99 High
Climate Risk
98 High
🌊🌡🫨
Top Hazards
🌊🌡🌪
▲+2.8°F
2050 Outlook
▲+2.5°F
54 days
Heat Days >95°F
41 days
▲+2.8°F
2050 Outlook
▲+2.5°F
54 days
Heat Days >95°F
41 days

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

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