Is Nashville, TN cheaper than St. Cloud, FL?

Based on cost of living data, Nashville, TN is 3.4% more expensive than St. Cloud, FL. This translates to spending an extra $258 per month.

What salary do I need in Nashville, TN to live like I do in St. Cloud, FL?

If you earn $150,000 in St. Cloud, FL, you'd need approximately $153,097.668 in Nashville, TN to maintain the same standard of living.

How does housing cost compare between St. Cloud, FL and Nashville, TN?

Housing in Nashville, TN is 12.7% more expensive than in St. Cloud, FL. For a two-bedroom apartment, rent is $1,840/month in Nashville, TN compared to $1,742/month in St. Cloud, FL.

How much can I save per month by moving from St. Cloud, FL to Nashville, TN?

Living in Nashville, TN costs approximately $258 more per month than St. Cloud, FL, or $3098 more per year, based on a $150,000 salary.

St. Cloud, FL vs Nashville, TN: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 St. Cloud, FL — ZIP-level rent data · COL adjusted from Orlando, FL area

Current salary in St. Cloud, FL

Numbers update automatically as you type

You'd spend $258/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 Orlando-Kissimmee-Sanford, FL area

Overall Cost

↑ 3.4%

More expensive

Monthly Impact

$258

Extra cost

Annual Impact

$3.1K

Per year

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

St. Cloud, FL

Population:66K

Cost Index:100

Median Home:$386K

Nashville, TN

Population:689K

Cost Index:103

Median Home:$489K

St. Cloud, FL

The Sunshine State

66K

Population

State Tax

No Income Tax

Located in Florida, this city has a population of 66K residents.

💡 Advantage: Florida has no state income tax!

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: St. Cloud, FL vs Nashville, TN

Category	St. Cloud, FL	Nashville, TN	Difference	Change
🏠Housing	$2,351/mo	$2,651/mo	↑ $299more	12.7%
📦Other	$1,748/mo	$1,942/mo	↑ $194more	11.1%
🛒Groceries	$1,002/mo	$949/mo	↓ $52.85less	5.3%
🏥Healthcare	$560/mo	$607/mo	↑ $46.74more	8.3%
⚡All Utilities	$564/mo	$519/mo	↓ $45.02less	8.0%
🚗Transportation	$1,241/mo	$1,284/mo	↑ $42.72more	3.4%

🏠Housing

↑ 12.7%

St. Cloud, FL

$2,351

Nashville, TN

$2,651

Difference

$299

📦Other

↑ 11.1%

St. Cloud, FL

$1,748

Nashville, TN

$1,942

Difference

$194

🛒Groceries

↓ 5.3%

St. Cloud, FL

$1,002

Nashville, TN

$949

Difference

$52.85

less

🏥Healthcare

↑ 8.3%

St. Cloud, FL

$560

Nashville, TN

$607

Difference

$46.74

⚡All Utilities

↓ 8.0%

St. Cloud, FL

$564

Nashville, TN

$519

Difference

$45.02

less

🚗Transportation

↑ 3.4%

St. Cloud, FL

$1,241

Nashville, TN

$1,284

Difference

$42.72

🏠Rent Comparison

Studio

From$1,459

To$1,600

↑ $141

1 Bed

From$1,528

To$1,680

↑ $152

2 Bed

From$1,742

To$1,840

↑ $98.00

3 Bed

From$2,186

To$2,350

↑ $164

St. Cloud, FLZIP-level data

1BR range: $1,420–$2,420/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.

$7,467

Monthly in St. Cloud, FL

$7,952

Monthly in Nashville, TN

$485

Difference

Home Values

St. Cloud

Nashville

$386K

Median Value

$489K

↓ -4.5%

YoY Change

↓ -2.1%

↑ +33.4%

5-Year Change

↑ +32.1%

$312K - $435K

Price Range

$320K - $1.16M

Homes in Nashville are 27% more expensive than St. Cloud

Calculate payment - St. Cloud Calculate payment - Nashville

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

→ $0

Same taxes

Monthly Difference

Same take-home

Effective Rate Diff

0.0%

Rate difference

St. Cloud, FL

Federal Income Tax

Effective: 18.9%

$25.5K

Florida 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

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

St. Cloud, FL Tax Rates

Sales Tax:7.2%

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.