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Cost of Living Comparison 2026

Data: HUD rent estimates, BLS cost of living

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Numbers update automatically as you type

You'd save $1.7K/month moving to Nashville, TN

$150.0K in your current city equals $129.4K in Nashville, TN

Rent data from HUD ZIP-level estimates · COL index from San Diego-Chula Vista-Carlsbad, CA area
Overall Cost
22.8%
Less expensive
Monthly Impact
$1,713
Savings
Annual Impact
$20.6K
Per year

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

Poway, CA

Population:48K
Cost Index:
100
100 = national average
Median Home:$1.18M

Nashville, TN

Population:689K
Cost Index:
77
(23% below avg)
Median Home:$489K

Poway, CA

The Golden State

48K
Population
State Tax
Yes

Located in California, 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

  • Music City USA
  • Country music capital
  • Healthcare industry hub

Major Industries

Music IndustryHealthcareTourismFinance

Cost Breakdown by Category

Annual spending: Poway, CA vs Nashville, TN

Housing
39.2%
Poway, CA
$4,358
Nashville, TN
$2,651
Difference
$1,707
less
Other
10.7%
Poway, CA
$1,754
Nashville, TN
$1,942
Difference
$188
more
Transportation
11.8%
Poway, CA
$1,456
Nashville, TN
$1,284
Difference
$172
less
All Utilities
14.9%
Poway, CA
$610
Nashville, TN
$519
Difference
$91.17
less
Groceries
8.6%
Poway, CA
$1,039
Nashville, TN
$949
Difference
$89.76
less
Healthcare
1.2%
Poway, CA
$614
Nashville, TN
$607
Difference
$7.24
less

🏠Rent Comparison

Studio
From$1,883
To$1,600
$283
1 Bed
From$2,017
To$1,680
$337
2 Bed
From$2,466
To$1,840
$626
3 Bed
From$3,286
To$2,350
$936
Poway, CAZIP-level data

1BR range: $2,560$2,560/mo

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.

$9,831
Monthly in Poway, CA
$7,952
Monthly in Nashville, TN
$1,879
Difference

Home Values

Poway
Nashville
$1.18M
Median Value
$489K
↓ -4%
YoY Change
↓ -2.1%
↑ +43.3%
5-Year Change
↑ +32.1%
$1.18M
Price Range
$320K - $1.16M

Homes in Nashville are 59% less expensive than Poway

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
$10.6K
Per year
Monthly Difference
$886
More take-home
Effective Rate Diff
7.1%
Rate difference

Poway, CA

Federal Income Tax
Effective: 18.9%
$25.5K
California State Tax
Effective: 7.1%
$10.6K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 31.8%
$47.6K
Take-Home Pay
$8,530/month
$102.4K

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

Poway, CA Tax Rates

Sales Tax:10.5%
Property Tax:0.8%

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.

Environment

Poway
Nashville
71 Moderate
Air Quality
50 Good
12.8%
Good Air Days
51.6%
100 Very High
Climate Risk
97 High
🔥🌊🌡
Top Hazards
🌊🫨🌪
+2.1°F
2050 Outlook
+2.8°F
1 days
Heat Days >95°F
42 days
+2.1°F
2050 Outlook
+2.8°F
1 days
Heat Days >95°F
42 days

What to Consider When Moving from Poway, CA to Nashville, TN

Relocating from Poway, CA to Nashville, TN involves more than just comparing rent prices. While the overall cost of living is about 23% lower in Nashville, 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 Nashville, TN is 39% cheaper than in Poway, CA. 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 Nashville, 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 Nashville, TN to match your current standard of living in Poway, CA.

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 Nashville, TN for a week before making a final decision — experiencing the day-to-day rhythm matters more than any spreadsheet.

Frequently Asked Questions: Poway, CA vs Nashville, TN

Is Nashville, TN cheaper than Poway, CA?

Yes, Nashville, TN is about 22.8% cheaper than Poway, CA. You could save approximately $1,713/month on a $150,000 salary. Housing costs are 39% lower in Nashville, TN.

What salary do I need in Nashville, TN to match my lifestyle in Poway, CA?

If you currently earn $150,000 in Poway, CA, you would need approximately $129,446 in Nashville, 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 Poway, CA and Nashville, TN?

A two-bedroom apartment averages $2,466/month in Poway, CA compared to $1,840/month in Nashville, TN. One-bedroom apartments are $2,017/month in Poway, CA vs $1,680/month in Nashville, TN. 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 Poway, CA or Nashville, TN?

Groceries are about 9% cheaper in Nashville, TN than in Poway, CA, saving a typical household roughly $89.76/month on food.

What is the best time to move from Poway, CA to Nashville, 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.

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

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