New Smyrna Beach, FL vs Germantown, TN: Cost of Living

Which city costs less?

Germantown, TN has a modeled overall cost index 16.8% lower than New Smyrna Beach, FL.

New Smyrna Beach, FL · modeled 2BR rent: $2,080 / month
Germantown, TN · modeled 2BR rent: $1,880 / 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 New Smyrna Beach, FL and Germantown, 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

Current salary in New Smyrna Beach, FL

Numbers update automatically as you type

Estimated savings: $1,103/month in Germantown, TN

$150,000 in your current city has a modeled equivalent of $136,768 in Germantown, TN

Regional cost estimates: New Smyrna Beach, FL uses Orlando, FL. Germantown, TN uses Memphis, TN. Available city ZIP rent estimates are shown separately.

Overall Cost

↓ 16.8%

Less expensive

Monthly Impact

$1,103

Savings

Annual Impact

$13.2K

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.

New Smyrna Beach, FL

Population:33K

Cost Index:

97.2

100 = national average

Typical Home:$455K

Germantown, TN

Population:40K

Cost Index:

80.9

100 = national average

Typical Home:$502K

Planning the move to Germantown?

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

New Smyrna Beach, FL

The Sunshine State

33K

Population

State Tax

No Income Tax

Located in Florida, this city has a population of 33K residents.

💡 Advantage: Florida has no state income tax!

Germantown, TN

The Volunteer State

40K

Population

State Tax

No Income Tax

Located in Tennessee, this city has a population of 40K residents.

💡 Advantage: Tennessee has no state income tax!

Cost Breakdown by Category

Estimated monthly spending: New Smyrna Beach, FL vs Germantown, 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.

Category	New Smyrna Beach, FL	Germantown, TN	Difference	Change
Housing	$2,354/mo	$1,601/mo	↓ $753less	32.0%
Other	$1,749/mo	$1,614/mo	↓ $136less	7.8%
Groceries	$1,015/mo	$934/mo	↓ $81.37less	8.0%
All Utilities	$571/mo	$527/mo	↓ $44.53less	7.8%
Healthcare	$568/mo	$524/mo	↓ $44.18less	7.8%
Transportation	$1,242/mo	$1,198/mo	↓ $44.13less	3.6%

Housing

↓ 32.0%

New Smyrna Beach, FL

$2,354

Germantown, TN

$1,601

Difference

$753

less

Other

↓ 7.8%

New Smyrna Beach, FL

$1,749

Germantown, TN

$1,614

Difference

$136

less

Groceries

↓ 8.0%

New Smyrna Beach, FL

$1,015

Germantown, TN

$934

Difference

$81.37

less

All Utilities

↓ 7.8%

New Smyrna Beach, FL

$571

Germantown, TN

$527

Difference

$44.53

less

Healthcare

↓ 7.8%

New Smyrna Beach, FL

$568

Germantown, TN

$524

Difference

$44.18

less

Transportation

↓ 3.6%

New Smyrna Beach, FL

$1,242

Germantown, TN

$1,198

Difference

$44.13

less

🏠Rent Comparison

Studio

From$1,470

To$1,565

↑ $95.00

1 Bed

From$1,695

To$1,705

↑ $10.00

2 Bed

From$2,080

To$1,880

↓ $200

3 Bed

From$2,740

To$2,480

↓ $260

New Smyrna Beach, FLZIP-level data

1BR range: $1,610–$1,780/mo

Germantown, TNZIP-level data

1BR range: $1,680–$1,730/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 New Smyrna Beach, FL

$6,397

Monthly in Germantown, TN

$1,103

Difference

Home Values

New Smyrna Beach

Germantown

$455K

Median Value

$502K

↓ -2.6%

YoY Change

↓ -0.6%

↑ +37.5%

5-Year Change

↑ +24.4%

$373K - $536K

Price Range

$424K - $580K

Homes in Germantown are 10% more expensive than New Smyrna Beach

Calculate payment - New Smyrna Beach Calculate payment - Germantown

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

Same take-home

Effective Rate Diff

0.0%

Rate difference

New Smyrna Beach, FL

Federal Income Tax

Effective: 18.9%

$25.5K

Florida 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

Germantown, 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

New Smyrna Beach, FL Tax Rates

Sales Tax:7.2%

Property Tax:0.8%

Germantown, 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

New Smyrna Beach

Germantown

41 Good

Air Quality

55 Moderate

75.6%

Good Air Days

34.4%

98 High

Climate Risk

99 High

🌊🌀🌪

Top Hazards

🌊🌡🫨

▲+2.3°F

2050 Outlook

▲+2.8°F

58 days

Heat Days >95°F

54 days

▲+2.3°F

2050 Outlook

▲+2.8°F

58 days

Heat Days >95°F

54 days

Before moving from New Smyrna Beach, FL to Germantown, TN

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

Compare actual homes. Get current quotes in Germantown, TN for the same bedroom count and included utilities as your home in New Smyrna Beach, FL. Add parking, deposits, insurance and any overlapping leases. The rent estimates above are a starting point, not available listings.
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.
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.
Plan the transition. Get moving quotes and budget for travel, setup costs and time off. Open your New Smyrna Beach to Germantown moving checklist to organize the tasks and timing.

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

Frequently Asked Questions: New Smyrna Beach, FL vs Germantown, TN

How do the cost estimates for New Smyrna Beach, FL and Germantown, TN compare?

Germantown, TN has a modeled overall cost index 16.8% lower than New Smyrna Beach, FL. 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 New Smyrna Beach, FL, the model estimates $136,768 in Germantown, 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 New Smyrna Beach, FL and Germantown, TN?

The modeled two-bedroom rents are $2,080/month in New Smyrna Beach, FL and $1,880/month in Germantown, 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 Florida and Tennessee on TaxTakeHome.com