Is Nashville, TN cheaper than Middletown, NY?

Based on cost of living data, Nashville, TN is 1.0% more expensive than Middletown, NY. The two cities have very similar living costs.

What salary do I need in Nashville, TN to live like I do in Middletown, NY?

If you earn $150,000 in Middletown, NY, you'd need approximately $150,937.66 in Nashville, TN to maintain the same standard of living.

How does housing cost compare between Middletown, NY and Nashville, TN?

Housing in Nashville, TN is 38.0% more expensive than in Middletown, NY. For a two-bedroom apartment, rent is $1,840/month in Nashville, TN compared to $1,661/month in Middletown, NY.

How much can I save per month by moving from Middletown, NY to Nashville, TN?

Middletown, NY and Nashville, TN have very similar costs of living, based on a $150,000 salary.

Middletown, NY vs Nashville, TN: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 Middletown, NY — ZIP-level rent data · COL adjusted from Newark, NJ area

Current salary in Middletown, NY

Numbers update automatically as you type

You'd spend $78.14/month more in Nashville, TN

$150.0K in your current city equals $150.9K in Nashville, TN

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

Overall Cost

↑ 1.0%

More expensive

Monthly Impact

$78.14

Extra cost

Annual Impact

$938

Per year

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

Middletown, NY

Population:30K

Cost Index:100

Median Home:$434K

Nashville, TN

Population:689K

Cost Index:101

Median Home:$489K

Middletown, NY

The Empire State

30K

Population

State Tax

Yes

Located in New York, this city has a population of 30K 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: Middletown, NY vs Nashville, TN

Category	Middletown, NY	Nashville, TN	Difference	Change
🏠Housing	$1,921/mo	$2,651/mo	↑ $730more	38.0%
🚗Transportation	$1,509/mo	$1,284/mo	↓ $224less	14.9%
🛒Groceries	$1,068/mo	$949/mo	↓ $119less	11.1%
🏥Healthcare	$668/mo	$607/mo	↓ $60.96less	9.1%
⚡All Utilities	$579/mo	$519/mo	↓ $59.54less	10.3%
📦Other	$1,912/mo	$1,942/mo	↑ $29.99more	1.6%

🏠Housing

↑ 38.0%

Middletown, NY

$1,921

Nashville, TN

$2,651

Difference

$730

🚗Transportation

↓ 14.9%

Middletown, NY

$1,509

Nashville, TN

$1,284

Difference

$224

less

🛒Groceries

↓ 11.1%

Middletown, NY

$1,068

Nashville, TN

$949

Difference

$119

less

🏥Healthcare

↓ 9.1%

Middletown, NY

$668

Nashville, TN

$607

Difference

$60.96

less

⚡All Utilities

↓ 10.3%

Middletown, NY

$579

Nashville, TN

$519

Difference

$59.54

less

📦Other

↑ 1.6%

Middletown, NY

$1,912

Nashville, TN

$1,942

Difference

$29.99

🏠Rent Comparison

Studio

From$1,147

To$1,600

↑ $453

1 Bed

From$1,300

To$1,680

↑ $380

2 Bed

From$1,661

To$1,840

↑ $179

3 Bed

From$2,110

To$2,350

↑ $240

Middletown, NYZIP-level data

1BR range: $1,620–$1,620/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.

$7,656

Monthly in Middletown, NY

$7,952

Monthly in Nashville, TN

$297

Difference

Home Values

Middletown

Nashville

$434K

Median Value

$489K

↑ +3.2%

YoY Change

↓ -2.1%

↑ +48.7%

5-Year Change

↑ +32.1%

$434K

Price Range

$320K - $1.16M

Homes in Nashville are 13% more expensive than Middletown

Calculate payment - Middletown Calculate payment - Nashville

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $9.5K

Per year

Monthly Difference

$795

More take-home

Effective Rate Diff

6.4%

Rate difference

Middletown, NY

Federal Income Tax

Effective: 18.9%

$25.5K

New York State Tax

Effective: 6.4%

$9.5K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 31.0%

$46.6K

Take-Home Pay

$8,620/month

$103.4K

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

Middletown, NY Tax Rates

Sales Tax:8.8%

Property Tax:1.2%

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.