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Cost of Living Comparison 2026

Data: HUD rent estimates, BLS cost of living

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You'd save $614/month moving to Knoxville, TN

$150.0K in your current city equals $142.6K in Knoxville, TN

Rent data from HUD ZIP-level estimates Β· COL index from Virginia Beach-Norfolk-Newport News, VA-NC area
Overall Cost
↓ 8.2%
Less expensive
Monthly Impact
$614
Savings
Annual Impact
$7.4K
Per year

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

Norfolk, VA

Population:238K
Cost Index:
100
100 = national average
Median Home:$309K

Knoxville, TN

Population:198K
Cost Index:
92
(8% below avg)
Median Home:$369K

Norfolk, VA

The Old Dominion State

238K
Population
State Tax
Yes

Located in Virginia, this city has a population of 238K residents.

Knoxville, TN

The Volunteer State

198K
Population
State Tax
No Income Tax

Located in Tennessee, this city has a population of 198K residents.

πŸ’‘ Advantage: Tennessee has no state income tax!

Cost Breakdown by Category

Annual spending: Norfolk, VA vs Knoxville, TN

Housing
↓ 12.8%
Norfolk, VA
$2,729
Knoxville, TN
$2,378
Difference
$350
less
All Utilities
↓ 18.4%
Norfolk, VA
$574
Knoxville, TN
$468
Difference
$105
less
Other
↓ 5.1%
Norfolk, VA
$1,758
Knoxville, TN
$1,668
Difference
$89.54
less
Healthcare
↓ 12.0%
Norfolk, VA
$632
Knoxville, TN
$556
Difference
$75.92
less
Transportation
↓ 3.7%
Norfolk, VA
$1,284
Knoxville, TN
$1,236
Difference
$47.81
less
Groceries
↑ 0.8%
Norfolk, VA
$959
Knoxville, TN
$967
Difference
$8.05
more

🏠Rent Comparison

Studio
From$1,420
To$1,200
↓ $220
1 Bed
From$1,440
To$1,200
↓ $240
2 Bed
From$1,630
To$1,495
↓ $135
3 Bed
From$2,260
To$1,891
↓ $369
Norfolk, VAZIP-level data

1BR range: $1,240–$1,760/mo

Knoxville, TNZIP-level data

1BR range: $980–$1,480/mo

πŸ’‘ 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.

$7,935
Monthly in Norfolk, VA
$7,274
Monthly in Knoxville, TN
$661
Difference

Home Values

Norfolk
Knoxville
$309K
Median Value
$369K
↑ +0.2%
YoY Change
↑ +0.7%
↑ +28.5%
5-Year Change
↑ +64.1%
$249K - $469K
Price Range
$196K - $638K

Homes in Knoxville are 19% more expensive than Norfolk

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
↑ $8.4K
Per year
Monthly Difference
$697
More take-home
Effective Rate Diff
5.6%
Rate difference

Norfolk, VA

Federal Income Tax
Effective: 18.9%
$25.5K
Virginia State Tax
Effective: 5.6%
$8.4K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 30.3%
$45.4K
Take-Home Pay
$8,718/month
$104.6K

Knoxville, 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

Norfolk, VA Tax Rates

Sales Tax:5.7%
Property Tax:0.8%

Knoxville, TN Tax Rates

Sales Tax:9.5%
Property Tax:0.7%

πŸ’‘ 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

Norfolk
Knoxville
32 Good
Air Quality
41 Good
85.8%
Good Air Days
79.2%
81 Moderate
Climate Risk
92 Moderate
πŸŒ…
Top Hazards
πŸŒͺπŸ’¨
β–²+2.6Β°F
2050 Outlook
β–²+3.0Β°F
21 days
Heat Days >95Β°F
21 days
β–²+2.6Β°F
2050 Outlook
β–²+3.0Β°F
21 days
Heat Days >95Β°F
21 days

What to Consider When Moving from Norfolk, VA to Knoxville, TN

Relocating from Norfolk, VA to Knoxville, TN involves more than just comparing rent prices. While the overall cost of living is about 8% lower in Knoxville, TN, 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 Knoxville, TN is 13% cheaper than in Norfolk, VA. Keep in mind that neighborhood choice within a city can swing rent by 30–50%, so research specific areas β€” not just city averages β€” 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 Knoxville, TN 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 Knoxville, TN to match your current standard of living in Norfolk, VA.

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 β€œfeel” 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 Knoxville, TN for a week before making a final decision β€” experiencing the day-to-day rhythm matters more than any spreadsheet.

Frequently Asked Questions: Norfolk, VA vs Knoxville, TN

Is Knoxville, TN cheaper than Norfolk, VA?

Yes, Knoxville, TN is about 8.2% cheaper than Norfolk, VA. You could save approximately $614/month on a $150,000 salary. Housing costs are 13% lower in Knoxville, TN.

What salary do I need in Knoxville, TN to match my lifestyle in Norfolk, VA?

If you currently earn $150,000 in Norfolk, VA, you would need approximately $142,632 in Knoxville, TN 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 Norfolk, VA and Knoxville, TN?

A two-bedroom apartment averages $1,630/month in Norfolk, VA compared to $1,495/month in Knoxville, TN. One-bedroom apartments are $1,440/month in Norfolk, VA vs $1,200/month in Knoxville, TN. These are area-wide medians β€” specific neighborhoods can vary significantly. Check the ZIP-level rent breakdown above for more granular data.

Are groceries more expensive in Norfolk, VA or Knoxville, TN?

Grocery prices are very similar between Norfolk, VA and Knoxville, TN, with less than 1% difference. Your food budget would stay about the same.

What is the best time to move from Norfolk, VA to Knoxville, TN?

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.

πŸ’° See how taxes change too β€” compare take-home pay between Virginia and Tennessee on TaxTakeHome.com

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