Is Nashville, TN cheaper than Silver Spring, MD?

Based on cost of living data, Nashville, TN is 28.9% cheaper than Silver Spring, MD. This translates to saving $2170 per month.

What salary do I need in Nashville, TN to live like I do in Silver Spring, MD?

If you earn $150,000 in Silver Spring, MD, you'd need approximately $123,961.021 in Nashville, TN to maintain the same standard of living.

How does housing cost compare between Silver Spring, MD and Nashville, TN?

Housing in Nashville, TN is 50.3% cheaper than in Silver Spring, MD. For a two-bedroom apartment, rent is $1,840/month in Nashville, TN compared to $2,269/month in Silver Spring, MD.

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

Moving from Silver Spring, MD to Nashville, TN could save you approximately $2170 per month, or $26039 per year, based on a $150,000 salary.

Silver Spring, MD vs Nashville, TN: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 Silver Spring, MD — COL adjusted from Washington, DC area + state data

Current salary in Silver Spring, MD

Numbers update automatically as you type

You'd save $2.2K/month moving to Nashville, TN

$150.0K in your current city equals $124.0K in Nashville, TN

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

Overall Cost

↓ 28.9%

Less expensive

Monthly Impact

$2,170

Savings

Annual Impact

$26.0K

Per year

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

Silver Spring, MD

Population:81K

Cost Index:100

Median Home:$556K

Nashville, TN

Population:689K

Cost Index:71

Median Home:$489K

Silver Spring, MD

The Old Line State

81K

Population

State Tax

Yes

Located in Maryland, this city has a population of 81K 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: Silver Spring, MD vs Nashville, TN

Category	Silver Spring, MD	Nashville, TN	Difference	Change
🏠Housing	$5,330/mo	$2,651/mo	↓ $2,679less	50.3%
🚗Transportation	$1,797/mo	$1,284/mo	↓ $513less	28.6%
📦Other	$1,740/mo	$1,942/mo	↑ $202more	11.6%
🛒Groceries	$1,054/mo	$949/mo	↓ $105less	9.9%
⚡All Utilities	$496/mo	$519/mo	↑ $22.88more	4.6%
🏥Healthcare	$617/mo	$607/mo	↓ $9.91less	1.6%

🏠Housing

↓ 50.3%

Silver Spring, MD

$5,330

Nashville, TN

$2,651

Difference

$2,679

less

🚗Transportation

↓ 28.6%

Silver Spring, MD

$1,797

Nashville, TN

$1,284

Difference

$513

less

📦Other

↑ 11.6%

Silver Spring, MD

$1,740

Nashville, TN

$1,942

Difference

$202

🛒Groceries

↓ 9.9%

Silver Spring, MD

$1,054

Nashville, TN

$949

Difference

$105

less

⚡All Utilities

↑ 4.6%

Silver Spring, MD

$496

Nashville, TN

$519

Difference

$22.88

🏥Healthcare

↓ 1.6%

Silver Spring, MD

$617

Nashville, TN

$607

Difference

$9.91

less

🏠Rent Comparison

Studio

From$1,540

To$1,600

↑ $60.00

1 Bed

From$1,783

To$1,680

↓ $103

2 Bed

From$2,269

To$1,840

↓ $429

3 Bed

From$3,161

To$2,350

↓ $811

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.

$11,034

Monthly in Silver Spring, MD

$7,952

Monthly in Nashville, TN

$3,082

Difference

Home Values

Silver Spring

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

Silver Spring, 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

Silver Spring, 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.