Monterey, TN vs Chiefland, FL: Cost of Living

Which city costs less?

Chiefland, FL has a modeled overall cost index 0.1% lower than Monterey, TN.

Monterey, TN · modeled 2BR rent
$930 / month
Chiefland, FL · modeled 2BR rent
$1,000 / month

These are saved estimates, not current rental listings. Some cities use adjusted regional data. Your household budget can differ from the overall index. Sources and assumptions

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Cost of Living Comparison 2026

Compare Monterey, TN and Chiefland, FL using saved regional data and explicit budgeting assumptions. Rent estimates are not live listings. Change the salary below, then check the source notes before applying a result to your household.

Saved regional estimates · Sources and assumptions

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Estimated savings: $35.78/month in Chiefland, FL

$150,000 in your current city has a modeled equivalent of $149,571 in Chiefland, FL

Regional cost estimates: Monterey, TN uses Nashville, TN. Chiefland, FL uses Jacksonville, FL. Available city ZIP rent estimates are shown separately.
Overall Cost
↓ 0.1%
Less expensive
Monthly Impact
$35.78
Savings
Annual Impact
$429
Per year

Assumes 60% of current gross income goes to living costs. The headline uses the category budget below; taxes, moving costs and savings goals are excluded.

Monterey, TN

Population:3K
Cost Index:
80.5
100 = national average
Typical Home:$275K

Chiefland, FL

Population:2K
Cost Index:
80.5
100 = national average
Typical Home:$268K

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Monterey, TN

The Volunteer State

3K
Population
State Tax
No Income Tax

Located in Tennessee, this city has a population of 3K residents.

💡 Advantage: Tennessee has no state income tax!

Chiefland, FL

The Sunshine State

2K
Population
State Tax
No Income Tax

Located in Florida, this city has a population of 2K residents.

💡 Advantage: Florida has no state income tax!

Cost Breakdown by Category

Estimated monthly spending: Monterey, TN vs Chiefland, FL

Assumes 60% of your current gross income is spent on these categories. The headline and totals use this same budget. Rent estimates below are separate reference data. Rounded amounts may differ by $1.

Housing
↓ 8.7%
Monterey, TN
$2,248
Chiefland, FL
$2,051
Difference
$197
less
Other
↓ 8.4%
Monterey, TN
$1,830
Chiefland, FL
$1,676
Difference
$154
less
Groceries
↑ 12.4%
Monterey, TN
$1,012
Chiefland, FL
$1,137
Difference
$125
more
Transportation
↑ 9.5%
Monterey, TN
$1,210
Chiefland, FL
$1,325
Difference
$115
more
All Utilities
↑ 15.7%
Monterey, TN
$553
Chiefland, FL
$640
Difference
$86.63
more
Healthcare
↓ 1.8%
Monterey, TN
$647
Chiefland, FL
$636
Difference
$11.41
less

🏠Rent Comparison

Studio
From$700
To$750
↑ $50.00
1 Bed
From$740
To$850
↑ $110
2 Bed
From$930
To$1,000
↑ $70.00
3 Bed
From$1,270
To$1,270
→ $0
Monterey, TNZIP-level data

1BR range: $740–$740/mo

Chiefland, FLZIP-level data

1BR range: $850–$850/mo

💡 Note: HUD Fair Market Rents estimate 40th-percentile gross rents, including most tenant-paid utilities. City ZIP summaries are medians of those estimates, not market median rents. Actual prices vary by neighborhood, amenities, and condition. Source: HUD Small Area Fair Market Rents FY2026.

$7,500
Monthly in Monterey, TN
$7,464
Monthly in Chiefland, FL
$35.78
Difference

Home Values

Monterey
Chiefland
$275K
Median Value
$268K
↑ +3.7%
YoY Change
↓ -2.1%
↑ +46.1%
5-Year Change
↑ +44.9%

Homes in Chiefland are 3% less expensive than Monterey

Calculate payment - MontereyCalculate payment - Chiefland

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
→ $0
Same taxes
Monthly Difference
$0
Same take-home
Effective Rate Diff
0.0%
Rate difference

Monterey, 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

Chiefland, 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

Monterey, TN Tax Rates

Sales Tax:9.5%
Property Tax:0.7%

Chiefland, FL Tax Rates

Sales Tax:7.2%
Property Tax:0.8%

💡 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

Monterey
Chiefland
50 Good
Air Quality
50 Good
51.6%
Good Air Days
51.9%
97 High
Climate Risk
97 High
🌊🫨🌪
Top Hazards
🌊🌅🌀
▲+2.8°F
2050 Outlook
▲+2.3°F
42 days
Heat Days >95°F
36 days
▲+2.8°F
2050 Outlook
▲+2.3°F
42 days
Heat Days >95°F
36 days

Before moving from Monterey, TN to Chiefland, FL

Use this comparison to shortlist a move, then check the costs that depend on your household.

  1. Compare actual homes. Get current quotes in Chiefland, FL for the same bedroom count and included utilities as your home in Monterey, TN. Add parking, deposits, insurance and any overlapping leases. The rent estimates above are a starting point, not available listings.
  2. Confirm your income. Check your expected pay with your employer, including any location adjustment. Use “Different salary at destination?” above to compare two incomes. The budget model excludes taxes and one-time moving costs; it is not a take-home-pay calculation.
  3. Price your daily routine. Check the commute from a specific address to work, school or childcare. Add household expenses missing from this model, such as childcare, debt payments and medical needs. Verify local services before signing a lease.
  4. Plan the transition. Get moving quotes and budget for travel, setup costs and time off. Open your Monterey to Chiefland moving checklist to organize the tasks and timing.

Still choosing a destination? Explore cities similar to Chiefland, FL by cost, housing, population and region.

Frequently Asked Questions: Monterey, TN vs Chiefland, FL

How do the cost estimates for Monterey, TN and Chiefland, FL compare?

Chiefland, FL has a modeled overall cost index 0.1% lower than Monterey, TN. This is a broad model comparison, not a survey of today's prices or a forecast of your household spending. Some cities use adjusted regional fallback data.

What does the equivalent salary mean?

At a $150,000 salary in Monterey, TN, the model estimates $149,571 in Chiefland, FL. It allocates 60% of gross income to the origin city’s category budget and applies each destination category’s relative cost. The equivalent salary adds the total category difference to your income. The monthly difference is the same category difference divided by 12; it is not take-home pay or guaranteed savings. Household size, childcare and your actual lease are not inputs to this calculation.

What rent estimates are available for Monterey, TN and Chiefland, FL?

The modeled two-bedroom rents are $930/month in Monterey, TN and $1,000/month in Chiefland, FL. Where available, the source is a city median of HUD FY2026 ZIP-level estimates; otherwise a saved metro table is used. City adjustments may also apply. These are not asking rents or available listings. Compare actual properties with the same bedroom count and included utilities.

How should I use this comparison before moving?

Use it to shortlist locations, then replace modeled costs with a current housing quote, employer-confirmed income, commute costs, insurance and your household's other expenses. Add one-time moving costs separately. Source years differ and the saved datasets are not a live price feed. Read the methodology for the formulas and fallback rules.

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

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