Murray, KY vs Dyersburg, TN: Cost of Living

Which city costs less?

Dyersburg, TN has a modeled overall cost index 5.0% lower than Murray, KY.

Murray, KY · modeled 2BR rent
$1,110 / month
Dyersburg, TN · modeled 2BR rent
$930 / 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 Murray, KY and Dyersburg, TN 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: $326/month in Dyersburg, TN

$150,000 in your current city has a modeled equivalent of $146,089 in Dyersburg, TN

Regional cost estimates: Murray, KY uses Nashville, TN. Dyersburg, TN uses Memphis, TN. Available city ZIP rent estimates are shown separately.
Overall Cost
↓ 5.0%
Less expensive
Monthly Impact
$326
Savings
Annual Impact
$3.9K
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.

Murray, KY

Population:18K
Cost Index:
83.6
100 = national average
Typical Home:$169K

Dyersburg, TN

Population:16K
Cost Index:
79.4
100 = national average
Typical Home:$157K

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Murray, KY

The Bluegrass State

18K
Population
State Tax
Yes

Located in Kentucky, this city has a population of 18K residents.

Dyersburg, TN

The Volunteer State

16K
Population
State Tax
No Income Tax

Located in Tennessee, this city has a population of 16K residents.

💡 Advantage: Tennessee has no state income tax!

Cost Breakdown by Category

Estimated monthly spending: Murray, KY vs Dyersburg, TN

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
↓ 20.8%
Murray, KY
$2,260
Dyersburg, TN
$1,790
Difference
$470
less
Transportation
↑ 10.1%
Murray, KY
$1,217
Dyersburg, TN
$1,340
Difference
$123
more
Groceries
↑ 5.5%
Murray, KY
$999
Dyersburg, TN
$1,054
Difference
$55.35
more
All Utilities
↑ 8.9%
Murray, KY
$546
Dyersburg, TN
$595
Difference
$48.66
more
Healthcare
↓ 7.5%
Murray, KY
$639
Dyersburg, TN
$591
Difference
$47.80
less
Other
↓ 1.9%
Murray, KY
$1,840
Dyersburg, TN
$1,805
Difference
$35.29
less

🏠Rent Comparison

Studio
From$790
To$720
↓ $70.00
1 Bed
From$850
To$780
↓ $70.00
2 Bed
From$1,110
To$930
↓ $180
3 Bed
From$1,330
To$1,220
↓ $110
Murray, KYZIP-level data

1BR range: $850–$850/mo

Dyersburg, TNZIP-level data

1BR range: $780–$780/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 Murray, KY
$7,174
Monthly in Dyersburg, TN
$326
Difference

Home Values

Murray
Dyersburg
$169K
Median Value
$157K
↓ -11.1%
YoY Change
↓ -4.9%
↑ +17.2%
5-Year Change
↑ +18.8%

Homes in Dyersburg are 7% less expensive than Murray

Calculate payment - MurrayCalculate payment - Dyersburg

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
↑ $7.5K
Per year
Monthly Difference
$625
More take-home
Effective Rate Diff
5.0%
Rate difference

Murray, KY

Federal Income Tax
Effective: 18.9%
$25.5K
Kentucky State Tax
Effective: 5.0%
$7.5K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 29.7%
$44.5K
Take-Home Pay
$8,791/month
$105.5K

Dyersburg, 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

Additional Tax Information

Murray, KY Tax Rates

Sales Tax:6.0%
Property Tax:0.9%

Dyersburg, 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.

Environment

Murray
Dyersburg
50 Good
Air Quality
55 Moderate
51.6%
Good Air Days
34.4%
97 High
Climate Risk
99 High
🌊🫨🌪
Top Hazards
🌊🌡🫨
▲+2.8°F
2050 Outlook
▲+2.8°F
42 days
Heat Days >95°F
54 days
▲+2.8°F
2050 Outlook
▲+2.8°F
42 days
Heat Days >95°F
54 days

Before moving from Murray, KY to Dyersburg, TN

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

  1. Compare actual homes. Get current quotes in Dyersburg, TN for the same bedroom count and included utilities as your home in Murray, KY. 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 Murray to Dyersburg moving checklist to organize the tasks and timing.

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

Frequently Asked Questions: Murray, KY vs Dyersburg, TN

How do the cost estimates for Murray, KY and Dyersburg, TN compare?

Dyersburg, TN has a modeled overall cost index 5.0% lower than Murray, KY. 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 Murray, KY, the model estimates $146,089 in Dyersburg, TN. 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 Murray, KY and Dyersburg, TN?

The modeled two-bedroom rents are $1,110/month in Murray, KY and $930/month in Dyersburg, TN. 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 Kentucky and Tennessee on TaxTakeHome.com

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