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Cost of Living Comparison 2026

๐Ÿ“ Niagara Falls, NY โ€” ZIP-level rent data ยท COL adjusted from Cleveland, OH area

$

Numbers update automatically as you type

You'd spend $1.6K/month more in Nashville, TN

$150.0K in your current city equals $169.6K in Nashville, TN

Rent data from HUD ZIP-level estimates ยท COL index from Buffalo-Cheektowaga, NY area
Overall Cost
โ†‘ 21.7%
More expensive
Monthly Impact
$1,631
Extra cost
Annual Impact
$19.6K
Per year

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

Niagara Falls, NY

Population:48K
Cost Index:100
Median Home:$124K

Nashville, TN

Population:689K
Cost Index:122
Median Home:$489K

Niagara Falls, NY

The Empire State

48K
Population
State Tax
Yes

Located in New York, this city has a population of 48K residents.

Nashville, TN

The Volunteer State

689K
Population
State Tax
No Income Tax
Climate
Humid subtropical

Notable Facts

  • โ€ขMusic City USA
  • โ€ขCountry music capital
  • โ€ขHealthcare industry hub

Major Industries

Music IndustryHealthcareTourismFinance

Cost Breakdown by Category

Annual spending: Niagara Falls, NY vs Nashville, TN

๐Ÿ Housing
โ†‘ 54.5%
Niagara Falls, NY
$1,716
Nashville, TN
$2,651
Difference
$935
more
๐Ÿ“ฆOther
โ†‘ 20.9%
Niagara Falls, NY
$1,606
Nashville, TN
$1,942
Difference
$336
more
๐Ÿš—Transportation
โ†“ 8.9%
Niagara Falls, NY
$1,409
Nashville, TN
$1,284
Difference
$125
less
๐ŸฅHealthcare
โ†‘ 13.5%
Niagara Falls, NY
$535
Nashville, TN
$607
Difference
$72.25
more
โšกAll Utilities
โ†‘ 10.0%
Niagara Falls, NY
$472
Nashville, TN
$519
Difference
$47.32
more
๐Ÿ›’Groceries
โ†“ 3.6%
Niagara Falls, NY
$985
Nashville, TN
$949
Difference
$35.25
less

๐Ÿ Rent Comparison

Studio
From$980
To$1,600
โ†‘ $620
1 Bed
From$1,011
To$1,680
โ†‘ $669
2 Bed
From$1,192
To$1,840
โ†‘ $648
3 Bed
From$1,455
To$2,350
โ†‘ $895
Niagara Falls, NYZIP-level data

1BR range: $910โ€“$1,040/mo

Nashville, TNZIP-level data

1BR range: $1,320โ€“$2,230/mo

๐Ÿ’ก 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.

$6,723
Monthly in Niagara Falls, NY
$7,952
Monthly in Nashville, TN
$1,229
Difference

Home Values

Niagara Falls
Nashville
$124K
Median Value
$489K
โ†‘ +5.2%
YoY Change
โ†“ -2.1%
โ†‘ +52.8%
5-Year Change
โ†‘ +32.1%
$102K - $195K
Price Range
$320K - $1.16M

Homes in Nashville are 293% more expensive than Niagara Falls

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
โ†‘ $9.5K
Per year
Monthly Difference
$795
More take-home
Effective Rate Diff
6.4%
Rate difference

Niagara Falls, NY

Federal Income Tax
Effective: 18.9%
$25.5K
New York State Tax
Effective: 6.4%
$9.5K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 31.0%
$46.6K
Take-Home Pay
$8,620/month
$103.4K

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

Additional Tax Information

Niagara Falls, NY Tax Rates

Sales Tax:8.8%
Property Tax:1.2%

Nashville, TN Tax Rates

Sales Tax:9.5%
Property Tax:0.7%

๐Ÿ’ก 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

Niagara Falls
Nashville
54 Moderate
Air Quality
50 Good
37.2%
Good Air Days
51.6%
98 High
Climate Risk
97 High
๐ŸŒŠ๐ŸŒก๐ŸŒช
Top Hazards
๐ŸŒŠ๐Ÿซจ๐ŸŒช
โ–ฒ+3.3ยฐF
2050 Outlook
โ–ฒ+2.8ยฐF
11 days
Heat Days >95ยฐF
42 days
โ–ฒ+3.3ยฐF
2050 Outlook
โ–ฒ+2.8ยฐF
11 days
Heat Days >95ยฐF
42 days

๐Ÿ’ฐ See how taxes change too โ€” compare take-home pay between New York and Tennessee on TaxTakeHome.com

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