Mount Carmel, TN vs Heber Springs, AR: Cost of Living

Which city costs less?

Heber Springs, AR has a modeled overall cost index 8.7% lower than Mount Carmel, TN.

Mount Carmel, TN · modeled 2BR rent
$980 / month
Heber Springs, AR · modeled 2BR rent
$950 / 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

Adjust your income and compare the budget ↓
Tap to swap

Cost of Living Comparison 2026

Compare Mount Carmel, TN and Heber Springs, AR 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

$
Numbers update automatically as you type

Estimated savings: $558/month in Heber Springs, AR

$150,000 in your current city has a modeled equivalent of $143,301 in Heber Springs, AR

Regional cost estimates: Mount Carmel, TN uses Winston-Salem, NC. Heber Springs, AR uses Memphis, TN. Available city ZIP rent estimates are shown separately.
Overall Cost
↓ 8.7%
Less expensive
Monthly Impact
$558
Savings
Annual Impact
$6.7K
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.

Mount Carmel, TN

Population:6K
Cost Index:
79.0
100 = national average
Typical Home:$254K

Heber Springs, AR

Population:7K
Cost Index:
72.2
100 = national average
Typical Home:$243K

Planning the move to Heber Springs?

Organize packing, address changes, and moving-day tasks with a free checklist. Your progress saves in this browser. No account needed.

Plan my move with the free checklist

Mount Carmel, TN

The Volunteer State

6K
Population
State Tax
No Income Tax

Located in Tennessee, this city has a population of 6K residents.

💡 Advantage: Tennessee has no state income tax!

Heber Springs, AR

The Natural State

7K
Population
State Tax
Yes

Located in Arkansas, this city has a population of 7K residents.

Cost Breakdown by Category

Estimated monthly spending: Mount Carmel, TN vs Heber Springs, AR

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
↓ 18.2%
Mount Carmel, TN
$2,084
Heber Springs, AR
$1,706
Difference
$378
less
Healthcare
↓ 14.8%
Mount Carmel, TN
$693
Heber Springs, AR
$591
Difference
$103
less
Groceries
↓ 4.8%
Mount Carmel, TN
$1,107
Heber Springs, AR
$1,054
Difference
$53.12
less
Transportation
↓ 2.2%
Mount Carmel, TN
$1,306
Heber Springs, AR
$1,277
Difference
$29.39
less
Other
↑ 0.6%
Mount Carmel, TN
$1,710
Heber Springs, AR
$1,720
Difference
$9.61
more
All Utilities
↓ 0.7%
Mount Carmel, TN
$599
Heber Springs, AR
$594
Difference
$4.36
less

🏠Rent Comparison

Studio
From$680
To$680
→ $0
1 Bed
From$770
To$730
↓ $40.00
2 Bed
From$980
To$950
↓ $30.00
3 Bed
From$1,260
To$1,220
↓ $40.00
Mount Carmel, TNZIP-level data

1BR range: $770–$770/mo

Heber Springs, ARZIP-level data

1BR range: $730–$730/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 Mount Carmel, TN
$6,942
Monthly in Heber Springs, AR
$558
Difference

Home Values

Mount Carmel
Heber Springs
$254K
Median Value
$243K
↑ +4.3%
YoY Change
↑ +4.2%
↑ +62.4%
5-Year Change
↑ +43.1%

Homes in Heber Springs are 4% less expensive than Mount Carmel

Calculate payment - Mount CarmelCalculate payment - Heber Springs

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
↓ $9.0K
More taxes
Monthly Difference
$752
Less take-home
Effective Rate Diff
6.0%
Rate difference

Mount Carmel, 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

Heber Springs, AR

Federal Income Tax
Effective: 18.9%
$25.5K
Arkansas State Tax
Effective: 6.0%
$9.0K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 30.7%
$46.0K
Take-Home Pay
$8,664/month
$104.0K

Additional Tax Information

Mount Carmel, TN Tax Rates

Sales Tax:9.5%
Property Tax:0.7%

Heber Springs, AR Tax Rates

Sales Tax:9.4%
Property Tax:0.6%

💡 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

Mount Carmel
Heber Springs
47 Good
Air Quality
55 Moderate
57.4%
Good Air Days
34.4%
92 Moderate
Climate Risk
99 High
🌊🌪💨
Top Hazards
🌊🌡🫨
▲+2.8°F
2050 Outlook
▲+2.8°F
30 days
Heat Days >95°F
54 days
▲+2.8°F
2050 Outlook
▲+2.8°F
30 days
Heat Days >95°F
54 days

Before moving from Mount Carmel, TN to Heber Springs, AR

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

  1. Compare actual homes. Get current quotes in Heber Springs, AR for the same bedroom count and included utilities as your home in Mount Carmel, 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 Mount Carmel to Heber Springs moving checklist to organize the tasks and timing.

Still choosing a destination? Explore cities similar to Heber Springs, AR by cost, housing, population and region.

Frequently Asked Questions: Mount Carmel, TN vs Heber Springs, AR

How do the cost estimates for Mount Carmel, TN and Heber Springs, AR compare?

Heber Springs, AR has a modeled overall cost index 8.7% lower than Mount Carmel, 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 Mount Carmel, TN, the model estimates $143,301 in Heber Springs, AR. 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 Mount Carmel, TN and Heber Springs, AR?

The modeled two-bedroom rents are $980/month in Mount Carmel, TN and $950/month in Heber Springs, AR. 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 Arkansas on TaxTakeHome.com

Want to compare different cities?

New Comparison