White House, TN vs St. Augustine, FL: Cost of Living

Which city costs less?

St. Augustine, FL has a modeled overall cost index 8.6% lower than White House, TN.

White House, TN · modeled 2BR rent: $1,680 / month
St. Augustine, FL · modeled 2BR rent: $1,745 / 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 White House, TN and St. Augustine, FL 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 White House, TN

Numbers update automatically as you type

Estimated savings: $592/month in St. Augustine, FL

$150,000 in your current city has a modeled equivalent of $142,893 in St. Augustine, FL

Regional cost estimates: White House, TN uses Nashville, TN. St. Augustine, FL uses Jacksonville, FL. Available city ZIP rent estimates are shown separately.

Overall Cost

↓ 8.6%

Less expensive

Monthly Impact

$592

Savings

Annual Impact

$7.1K

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.

White House, TN

Population:15K

Cost Index:

94.5

100 = national average

Typical Home:$382K

St. Augustine, FL

Population:16K

Cost Index:

86.4

100 = national average

Typical Home:$413K

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White House, TN

The Volunteer State

15K

Population

State Tax

No Income Tax

Located in Tennessee, this city has a population of 15K residents.

💡 Advantage: Tennessee has no state income tax!

St. Augustine, FL

The Sunshine State

16K

Population

State Tax

No Income Tax

Located in Florida, this city has a population of 16K residents.

💡 Advantage: Florida has no state income tax!

Cost Breakdown by Category

Estimated monthly spending: White House, TN vs St. Augustine, FL

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	White House, TN	St. Augustine, FL	Difference	Change
Housing	$2,300/mo	$1,920/mo	↓ $380less	16.5%
Other	$1,872/mo	$1,568/mo	↓ $304less	16.2%
Groceries	$956/mo	$1,027/mo	↑ $71.28more	7.5%
All Utilities	$523/mo	$578/mo	↑ $55.49more	10.6%
Healthcare	$611/mo	$574/mo	↓ $36.94less	6.0%
Transportation	$1,238/mo	$1,240/mo	↑ $2.08more	0.2%

Housing

↓ 16.5%

White House, TN

$2,300

St. Augustine, FL

$1,920

Difference

$380

less

Other

↓ 16.2%

White House, TN

$1,872

St. Augustine, FL

$1,568

Difference

$304

less

Groceries

↑ 7.5%

White House, TN

$956

St. Augustine, FL

$1,027

Difference

$71.28

All Utilities

↑ 10.6%

White House, TN

$523

St. Augustine, FL

$578

Difference

$55.49

Healthcare

↓ 6.0%

White House, TN

$611

St. Augustine, FL

$574

Difference

$36.94

less

Transportation

↑ 0.2%

White House, TN

$1,238

St. Augustine, FL

$1,240

Difference

$2.08

🏠Rent Comparison

Studio

From$1,460

To$1,425

↓ $35.00

1 Bed

From$1,530

To$1,455

↓ $75.00

2 Bed

From$1,680

To$1,745

↑ $65.00

3 Bed

From$2,150

To$2,150

→ $0

White House, TNZIP-level data

1BR range: $1,530–$1,530/mo

St. Augustine, FLZIP-level data

1BR range: $1,370–$2,060/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 White House, TN

$6,908

Monthly in St. Augustine, FL

$592

Difference

Home Values

White House

St. Augustine

$382K

Median Value

$413K

↓ -1.1%

YoY Change

↓ -3.2%

↑ +31.5%

5-Year Change

↑ +38.2%

$382K

Price Range

$344K - $497K

Homes in St. Augustine are 8% more expensive than White House

Calculate payment - White House Calculate payment - St. Augustine

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

White House, 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

St. Augustine, 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

Additional Tax Information

White House, TN Tax Rates

Sales Tax:9.5%

Property Tax:0.7%

St. Augustine, FL Tax Rates

Sales Tax:7.2%

Property Tax:0.8%

💡 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

White House

St. Augustine

50 Good

Air Quality

50 Good

51.6%

Good Air Days

51.9%

97 High

Climate Risk

97 High

🌊🫨🌪

Top Hazards

🌊🌅🌀

▲+2.8°F

2050 Outlook

▲+2.3°F

42 days

Heat Days >95°F

36 days

▲+2.8°F

2050 Outlook

▲+2.3°F

42 days

Heat Days >95°F

36 days

Before moving from White House, TN to St. Augustine, FL

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

Compare actual homes. Get current quotes in St. Augustine, FL for the same bedroom count and included utilities as your home in White House, TN. 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 White House to St. Augustine moving checklist to organize the tasks and timing.

Still choosing a destination? Explore cities similar to St. Augustine, FL by cost, housing, population and region.

Frequently Asked Questions: White House, TN vs St. Augustine, FL

How do the cost estimates for White House, TN and St. Augustine, FL compare?

St. Augustine, FL has a modeled overall cost index 8.6% lower than White House, TN. 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 White House, TN, the model estimates $142,893 in St. Augustine, FL. 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 White House, TN and St. Augustine, FL?

The modeled two-bedroom rents are $1,680/month in White House, TN and $1,745/month in St. Augustine, FL. 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 Tennessee and Florida on TaxTakeHome.com