Is Nashville, TN cheaper than Owings Mills, MD?

Based on cost of living data, Nashville, TN is 3.5% more expensive than Owings Mills, MD. This translates to spending an extra $259 per month.

What salary do I need in Nashville, TN to live like I do in Owings Mills, MD?

If you earn $150,000 in Owings Mills, MD, you'd need approximately $153,110.847 in Nashville, TN to maintain the same standard of living.

How does housing cost compare between Owings Mills, MD and Nashville, TN?

Housing in Nashville, TN is 0.6% more expensive than in Owings Mills, MD. For a two-bedroom apartment, rent is $1,840/month in Nashville, TN compared to $1,317/month in Owings Mills, MD.

How much can I save per month by moving from Owings Mills, MD to Nashville, TN?

Living in Nashville, TN costs approximately $259 more per month than Owings Mills, MD, or $3111 more per year, based on a $150,000 salary.

Owings Mills, MD vs Nashville, TN: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 Owings Mills, MD — COL adjusted from Baltimore, MD area + state data

Current salary in Owings Mills, MD

Numbers update automatically as you type

You'd spend $259/month more in Nashville, TN

$150.0K in your current city equals $153.1K in Nashville, TN

Rent data from HUD ZIP-level estimates · COL index from area

Overall Cost

↑ 3.5%

More expensive

Monthly Impact

$259

Extra cost

Annual Impact

$3.1K

Per year

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

Owings Mills, MD

Population:36K

Cost Index:100

Median Home:$218K

Nashville, TN

Population:689K

Cost Index:103

Median Home:$489K

Owings Mills, MD

The Old Line State

36K

Population

State Tax

Yes

Located in Maryland, this city has a population of 36K residents.

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

Cost Breakdown by Category

Annual spending: Owings Mills, MD vs Nashville, TN

Category	Owings Mills, MD	Nashville, TN	Difference	Change
📦Other	$1,604/mo	$1,942/mo	↑ $338more	21.1%
🛒Groceries	$1,056/mo	$949/mo	↓ $106less	10.1%
⚡All Utilities	$588/mo	$519/mo	↓ $68.71less	11.7%
🏥Healthcare	$570/mo	$607/mo	↑ $36.75more	6.4%
🏠Housing	$2,636/mo	$2,651/mo	↑ $14.63more	0.6%
🚗Transportation	$1,296/mo	$1,284/mo	↓ $11.78less	0.9%

📦Other

↑ 21.1%

Owings Mills, MD

$1,604

Nashville, TN

$1,942

Difference

$338

🛒Groceries

↓ 10.1%

Owings Mills, MD

$1,056

Nashville, TN

$949

Difference

$106

less

⚡All Utilities

↓ 11.7%

Owings Mills, MD

$588

Nashville, TN

$519

Difference

$68.71

less

🏥Healthcare

↑ 6.4%

Owings Mills, MD

$570

Nashville, TN

$607

Difference

$36.75

🏠Housing

↑ 0.6%

Owings Mills, MD

$2,636

Nashville, TN

$2,651

Difference

$14.63

🚗Transportation

↓ 0.9%

Owings Mills, MD

$1,296

Nashville, TN

$1,284

Difference

$11.78

less

🏠Rent Comparison

Studio

From$918

To$1,600

↑ $682

1 Bed

From$1,078

To$1,680

↑ $602

2 Bed

From$1,317

To$1,840

↑ $523

3 Bed

From$1,756

To$2,350

↑ $594

Nashville, TNZIP-level data

1BR range: $1,320–$2,230/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.

$7,749

Monthly in Owings Mills, MD

$7,952

Monthly in Nashville, TN

$203

Difference

Home Values

Owings Mills

Nashville

Median Value

$489K

YoY Change

↓ -2.1%

5-Year Change

↑ +32.1%

Price Range

$320K - $1.16M

Calculate payment - Nashville

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $7.3K

Per year

Monthly Difference

$605

More take-home

Effective Rate Diff

4.8%

Rate difference

Owings Mills, MD

Federal Income Tax

Effective: 18.9%

$25.5K

Maryland State Tax

Effective: 4.8%

$7.3K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 29.5%

$44.3K

Take-Home Pay

$8,811/month

$105.7K

Nashville, 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

Owings Mills, MD Tax Rates

Sales Tax:6.0%

Property Tax:1.1%

Nashville, 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.