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Cost of Living Comparison 2026

Nashville and Austin represent two different approaches to American city life. Nashville offers no state income tax and country music heritage, while Austin counters with outdoor lifestyle and Keep It Weird culture. Here's how the numbers compare.

Data: HUD rent estimates, BLS cost of living

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Numbers update automatically as you type

Nashville, TN and Austin, TX have similar living costs

$150.0K in your current city equals $150.0K in Austin, TX

Rent data from HUD ZIP-level estimates · COL index from Nashville-Davidson-Murfreesboro-Franklin, TN area
Overall Cost
0.0%
Same cost
Monthly Impact
$0
No change
Annual Impact
$0
Per year

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

Nashville, TN

Population:689K
Cost Index:
100
100 = national average
Median Home:$489K

Austin, TX

Population:979K
Cost Index:
100
(national average)
Median Home:$558K

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

Austin, TX

The Lone Star State

979K
Population
State Tax
No Income Tax
Climate
Humid subtropical

Notable Facts

  • Live music capital
  • Major tech hub
  • SXSW festival city

Major Industries

TechnologyMusic IndustryEducationGovernment

Cost Breakdown by Category

Annual spending: Nashville, TN vs Austin, TX

Housing
8.8%
Nashville, TN
$2,651
Austin, TX
$2,885
Difference
$234
more
Other
10.3%
Nashville, TN
$1,942
Austin, TX
$1,741
Difference
$201
less
All Utilities
4.2%
Nashville, TN
$519
Austin, TX
$541
Difference
$21.86
more
Healthcare
3.1%
Nashville, TN
$607
Austin, TX
$589
Difference
$18.59
less
Groceries
1.1%
Nashville, TN
$949
Austin, TX
$959
Difference
$9.99
more
Transportation
0.0%
Nashville, TN
$1,284
Austin, TX
$1,284
Difference
$0
same

🏠Rent Comparison

Studio
From$1,600
To$1,585
$15.00
1 Bed
From$1,680
To$1,685
$5.00
2 Bed
From$1,840
To$1,995
$155
3 Bed
From$2,350
To$2,525
$175
Nashville, TNZIP-level data

1BR range: $1,320$2,230/mo

Austin, TXZIP-level data

1BR range: $1,490$2,350/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.

$7,952
Monthly in Nashville, TN
$7,998
Monthly in Austin, TX
$46.27
Difference

Home Values

Nashville
Austin
$489K
Median Value
$558K
↓ -2.1%
YoY Change
↓ -5%
↑ +32.1%
5-Year Change
↑ +12.6%
$320K - $1.16M
Price Range
$272K - $1.26M

Homes in Austin are 14% more expensive than Nashville

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

Nashville, 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

Austin, TX

Federal Income Tax
Effective: 18.9%
$25.5K
Texas 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

Nashville, TN Tax Rates

Sales Tax:9.5%
Property Tax:0.7%

Austin, TX Tax Rates

Sales Tax:8.2%
Property Tax:1.8%

💡 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

Nashville
Austin
50 Good
Air Quality
52 Moderate
51.6%
Good Air Days
42.6%
97 High
Climate Risk
98 High
🌊🫨🌪
Top Hazards
🌊🌡🌪
+2.8°F
2050 Outlook
+2.5°F
42 days
Heat Days >95°F
98 days
+2.8°F
2050 Outlook
+2.5°F
42 days
Heat Days >95°F
98 days

What to Consider When Moving from Nashville, TN to Austin, TX

Relocating from Nashville, TN to Austin, TX involves more than just comparing rent prices. While the overall cost of living is comparable between the two cities, your actual experience will depend on your lifestyle, job situation, and priorities. Here are the key factors to weigh before making the move.

Housing & Rent

Housing is typically the largest line item in any budget, and it’s where the biggest differences show up between cities. In this comparison, housing in Austin, TX is 9% more expensive than in Nashville, TN. Keep in mind that neighborhood choice within a city can swing rent by 30–50%, so research specific areas — not just city averages — before signing a lease. If you’re buying, factor in property tax rates, which vary significantly by county and state.

Job Market & Salary Adjustments

A lower cost of living doesn’t help if your salary drops proportionally. Before committing to a move, research whether employers in Austin, TX pay comparable wages for your role. Remote workers may keep their current salary, but some companies adjust pay based on location. Use the salary calculator above to see what you’d need to earn in Austin, TX to match your current standard of living in Nashville, TN.

Taxes & Take-Home Pay

State income tax, property tax, and sales tax all affect how far your paycheck stretches. Some states have no income tax but make up for it with higher property or sales taxes. The tax comparison section above breaks down how your take-home pay would change. Don’t forget about vehicle registration fees, tolls, and other state-specific costs that add up over a year.

Quality of Life & Lifestyle Fit

Numbers only tell part of the story. Consider climate preferences, commute times, proximity to family, school quality if you have children, healthcare access, and the general “feel” of a city. A place that’s 15% cheaper might not be worth it if it means a longer commute or fewer amenities you value. If possible, visit Austin, TX for a week before making a final decision — experiencing the day-to-day rhythm matters more than any spreadsheet.

Frequently Asked Questions: Nashville, TN vs Austin, TX

Is Austin, TX cheaper than Nashville, TN?

Nashville, TN and Austin, TX have very similar costs of living, with less than 1% difference overall. Your monthly expenses would be roughly the same in either city.

What salary do I need in Austin, TX to match my lifestyle in Nashville, TN?

If you currently earn $150,000 in Nashville, TN, you would need approximately $150,000 in Austin, TX to maintain the same standard of living. This accounts for differences in housing, groceries, transportation, utilities, healthcare, and other typical expenses. Use the salary input above to adjust this based on your actual income.

How does rent compare between Nashville, TN and Austin, TX?

A two-bedroom apartment averages $1,840/month in Nashville, TN compared to $1,995/month in Austin, TX. One-bedroom apartments are $1,680/month in Nashville, TN vs $1,685/month in Austin, TX. These are area-wide medians — specific neighborhoods can vary significantly. Check the ZIP-level rent breakdown above for more granular data.

Are groceries more expensive in Nashville, TN or Austin, TX?

Groceries are about 1% more expensive in Austin, TX than in Nashville, TN, which adds roughly $9.99/month to a typical household budget. This covers common items like produce, dairy, meat, and pantry staples based on BLS consumer expenditure data.

What is the best time to move from Nashville, TN to Austin, TX?

Most people find that moving during the off-season (October through March) results in lower moving costs, since demand for movers and rental trucks drops. If you're renting, you may also find more negotiable lease terms during winter months. However, if you have school-age children, summer moves allow for a smoother school transition. For the best combination of availability and price, consider moving in early fall or late spring.

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

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