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Cost of Living Comparison 2026

Data: HUD rent estimates, BLS cost of living

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You'd spend $1.2K/month more in Port St. Lucie, FL

$150.0K in your current city equals $163.8K in Port St. Lucie, FL

Rent data from HUD ZIP-level estimates ยท COL index from Memphis, TN-MS-AR area
Overall Cost
โ†‘ 15.4%
More expensive
Monthly Impact
$1,152
Extra cost
Annual Impact
$13.8K
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

Port St. Lucie, FL

Population:245K
Cost Index:
115
(15% above avg)
Median Home:$390K

Memphis, TN

The Volunteer State

633K
Population
State Tax
No Income Tax

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

๐Ÿ’ก Advantage: Tennessee has no state income tax!

Port St. Lucie, FL

The Sunshine State

245K
Population
State Tax
No Income Tax

Located in Florida, this city has a population of 245K residents.

๐Ÿ’ก Advantage: Florida has no state income tax!

Cost Breakdown by Category

Annual spending: Memphis, TN vs Port St. Lucie, FL

Housing
โ†‘ 27.0%
Memphis, TN
$1,845
Port St. Lucie, FL
$2,343
Difference
$498
more
Other
โ†‘ 4.0%
Memphis, TN
$1,674
Port St. Lucie, FL
$1,741
Difference
$67.48
more
Groceries
โ†‘ 6.5%
Memphis, TN
$939
Port St. Lucie, FL
$1,000
Difference
$61.04
more
All Utilities
โ†‘ 6.2%
Memphis, TN
$530
Port St. Lucie, FL
$563
Difference
$33.07
more
Healthcare
โ†‘ 6.2%
Memphis, TN
$527
Port St. Lucie, FL
$559
Difference
$32.80
more
Transportation
โ†“ 0.5%
Memphis, TN
$1,243
Port St. Lucie, FL
$1,237
Difference
$6.21
less

๐Ÿ Rent Comparison

Studio
From$1,035
To$1,474
โ†‘ $439
1 Bed
From$1,125
To$1,490
โ†‘ $365
2 Bed
From$1,245
To$1,781
โ†‘ $536
3 Bed
From$1,645
To$2,456
โ†‘ $811
Memphis, TNZIP-level data

1BR range: $940โ€“$1,730/mo

Port St. Lucie, FLZIP-level data

1BR range: $1,570โ€“$2,090/mo

๐Ÿ’ก 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
$7,444
Monthly in Port St. Lucie, FL
$686
Difference

Home Values

Memphis
Port St. Lucie
$129K
Median Value
-
โ†“ -2.8%
YoY Change
-
โ†‘ +25.1%
5-Year Change
-
$58K - $408K
Price Range
-

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
โ†’ $0
Same taxes
Monthly Difference
$0
Same take-home
Effective Rate Diff
0.0%
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

Port St. Lucie, FL

Federal Income Tax
Effective: 18.9%
$25.5K
Florida 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

Memphis, TN Tax Rates

Sales Tax:9.5%
Property Tax:0.7%

Port St. Lucie, FL Tax Rates

Sales Tax:7.2%
Property Tax:0.8%

๐Ÿ’ก 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
Port St. Lucie
55 Moderate
Air Quality
41 Good
34.4%
Good Air Days
75.6%
99 High
Climate Risk
98 High
๐ŸŒŠ๐ŸŒก๐Ÿซจ
Top Hazards
๐ŸŒŠ๐ŸŒ€๐ŸŒช
โ–ฒ+2.8ยฐF
2050 Outlook
โ–ฒ+2.3ยฐF
54 days
Heat Days >95ยฐF
58 days
โ–ฒ+2.8ยฐF
2050 Outlook
โ–ฒ+2.3ยฐF
54 days
Heat Days >95ยฐF
58 days

๐Ÿ’ฐ See how taxes change too โ€” compare take-home pay between Tennessee and Florida on TaxTakeHome.com

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