Temple, GA vs Munford, TN: Cost of Living

Which city costs less?

Munford, TN has a modeled overall cost index 18.3% lower than Temple, GA.

Temple, GA · modeled 2BR rent: $1,340 / month
Munford, TN · modeled 2BR rent: $1,220 / month

These are saved estimates, not current rental listings. Some cities use adjusted regional data. Your household budget can differ from the overall index. Sources and assumptions

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Cost of Living Comparison 2026

Compare Temple, GA and Munford, TN using saved regional data and explicit budgeting assumptions. Rent estimates are not live listings. Change the salary below, then check the source notes before applying a result to your household.

Saved regional estimates · Sources and assumptions

Current salary in Temple, GA

Numbers update automatically as you type

Estimated savings: $1,183/month in Munford, TN

$150,000 in your current city has a modeled equivalent of $135,803 in Munford, TN

Regional cost estimates: Temple, GA uses Atlanta, GA. Munford, TN uses Memphis, TN. Available city ZIP rent estimates are shown separately.

Overall Cost

↓ 18.3%

Less expensive

Monthly Impact

$1,183

Savings

Annual Impact

$14.2K

Per year

Assumes 60% of current gross income goes to living costs. The headline uses the category budget below; taxes, moving costs and savings goals are excluded.

Temple, GA

Population:6K

Cost Index:

94.8

100 = national average

Typical Home:$279K

Munford, TN

Population:7K

Cost Index:

77.5

100 = national average

Typical Home:$277K

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Temple, GA

The Peach State

Population

State Tax

Yes

Located in Georgia, this city has a population of 6K residents.

Munford, TN

The Volunteer State

Population

State Tax

No Income Tax

Located in Tennessee, this city has a population of 7K residents.

💡 Advantage: Tennessee has no state income tax!

Cost Breakdown by Category

Estimated monthly spending: Temple, GA vs Munford, TN

Assumes 60% of your current gross income is spent on these categories. The headline and totals use this same budget. Rent estimates below are separate reference data. Rounded amounts may differ by $1.

Category	Temple, GA	Munford, TN	Difference	Change
Housing	$2,217/mo	$1,570/mo	↓ $647less	29.2%
Other	$1,807/mo	$1,583/mo	↓ $224less	12.4%
Transportation	$1,359/mo	$1,175/mo	↓ $184less	13.5%
Healthcare	$584/mo	$525/mo	↓ $59.55less	10.2%
All Utilities	$580/mo	$528/mo	↓ $52.28less	9.0%
Groceries	$952/mo	$936/mo	↓ $16.39less	1.7%

Housing

↓ 29.2%

Temple, GA

$2,217

Munford, TN

$1,570

Difference

$647

less

Other

↓ 12.4%

Temple, GA

$1,807

Munford, TN

$1,583

Difference

$224

less

Transportation

↓ 13.5%

Temple, GA

$1,359

Munford, TN

$1,175

Difference

$184

less

Healthcare

↓ 10.2%

Temple, GA

$584

Munford, TN

$525

Difference

$59.55

less

All Utilities

↓ 9.0%

Temple, GA

$580

Munford, TN

$528

Difference

$52.28

less

Groceries

↓ 1.7%

Temple, GA

$952

Munford, TN

$936

Difference

$16.39

less

🏠Rent Comparison

Studio

From$1,140

To$1,010

↓ $130

1 Bed

From$1,190

To$1,100

↓ $90.00

2 Bed

From$1,340

To$1,220

↓ $120

3 Bed

From$1,610

To$1,600

↓ $10.00

Temple, GAZIP-level data

1BR range: $1,190–$1,190/mo

Munford, TNZIP-level data

1BR range: $1,100–$1,100/mo

💡 Note: HUD Fair Market Rents estimate 40th-percentile gross rents, including most tenant-paid utilities. City ZIP summaries are medians of those estimates, not market median rents. Actual prices vary by neighborhood, amenities, and condition. Source: HUD Small Area Fair Market Rents FY2026.

$7,500

Monthly in Temple, GA

$6,317

Monthly in Munford, TN

$1,183

Difference

Home Values

Temple

Munford

$279K

Median Value

$277K

↓ -1.3%

YoY Change

↑ +1.3%

↑ +47.3%

5-Year Change

↑ +42.6%

Homes in Munford are 1% less expensive than Temple

Calculate payment - Temple Calculate payment - Munford

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $8.5K

Per year

Monthly Difference

$704

More take-home

Effective Rate Diff

5.6%

Rate difference

Temple, GA

Federal Income Tax

Effective: 18.9%

$25.5K

Georgia State Tax

Effective: 5.6%

$8.5K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 30.3%

$45.5K

Take-Home Pay

$8,711/month

$104.5K

Munford, 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

Temple, GA Tax Rates

Sales Tax:7.3%

Property Tax:0.9%

Munford, 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

Temple

Munford

50 Good

Air Quality

55 Moderate

50.8%

Good Air Days

34.4%

96 High

Climate Risk

99 High

🌊🌪💨

Top Hazards

🌊🌡🫨

▲+2.7°F

2050 Outlook

▲+2.8°F

28 days

Heat Days >95°F

54 days

▲+2.7°F

2050 Outlook

▲+2.8°F

28 days

Heat Days >95°F

54 days

Before moving from Temple, GA to Munford, TN

Use this comparison to shortlist a move, then check the costs that depend on your household.

Compare actual homes. Get current quotes in Munford, TN for the same bedroom count and included utilities as your home in Temple, GA. Add parking, deposits, insurance and any overlapping leases. The rent estimates above are a starting point, not available listings.
Confirm your income. Check your expected pay with your employer, including any location adjustment. Use “Different salary at destination?” above to compare two incomes. The budget model excludes taxes and one-time moving costs; it is not a take-home-pay calculation.
Price your daily routine. Check the commute from a specific address to work, school or childcare. Add household expenses missing from this model, such as childcare, debt payments and medical needs. Verify local services before signing a lease.
Plan the transition. Get moving quotes and budget for travel, setup costs and time off. Open your Temple to Munford moving checklist to organize the tasks and timing.

Still choosing a destination? Explore cities similar to Munford, TN by cost, housing, population and region.

Frequently Asked Questions: Temple, GA vs Munford, TN

How do the cost estimates for Temple, GA and Munford, TN compare?

Munford, TN has a modeled overall cost index 18.3% lower than Temple, GA. This is a broad model comparison, not a survey of today's prices or a forecast of your household spending. Some cities use adjusted regional fallback data.

What does the equivalent salary mean?

At a $150,000 salary in Temple, GA, the model estimates $135,803 in Munford, TN. It allocates 60% of gross income to the origin city’s category budget and applies each destination category’s relative cost. The equivalent salary adds the total category difference to your income. The monthly difference is the same category difference divided by 12; it is not take-home pay or guaranteed savings. Household size, childcare and your actual lease are not inputs to this calculation.

What rent estimates are available for Temple, GA and Munford, TN?

The modeled two-bedroom rents are $1,340/month in Temple, GA and $1,220/month in Munford, TN. Where available, the source is a city median of HUD FY2026 ZIP-level estimates; otherwise a saved metro table is used. City adjustments may also apply. These are not asking rents or available listings. Compare actual properties with the same bedroom count and included utilities.

How should I use this comparison before moving?

Use it to shortlist locations, then replace modeled costs with a current housing quote, employer-confirmed income, commute costs, insurance and your household's other expenses. Add one-time moving costs separately. Source years differ and the saved datasets are not a live price feed. Read the methodology for the formulas and fallback rules.

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