Cost of Living Tennessee: What It Really Takes to Live There in 2025

When people talk about the cost of living Tennessee, the total amount of money needed to cover basic expenses like housing, food, transportation, and healthcare in the state of Tennessee. Also known as living expenses Tennessee, it’s a key factor for anyone considering a move—whether you’re switching jobs, retiring, or just chasing a better quality of life. Unlike states like California or New York, Tennessee doesn’t have a state income tax, which instantly puts more cash in your pocket. But that doesn’t mean everything is cheap. Housing prices in Nashville and Knoxville have jumped over 40% in the last five years, and even small towns are feeling the squeeze as more people move in from bigger cities.

The Tennessee housing costs, the price of renting or buying a home across different regions of the state. Also known as real estate prices Tennessee, it varies wildly. In Memphis, you can find a three-bedroom house for under $200,000. In Chattanooga, the same home might cost $280,000. And in Nashville? Good luck finding anything under $350,000. Utilities, groceries, and gas are mostly average—no major spikes—but healthcare and childcare can surprise you. A full-time daycare in Nashville runs over $1,200 a month, which eats into any savings you thought you’d make.

That’s why Tennessee salaries, the typical earnings for workers in different industries across the state. Also known as average income Tennessee, matter just as much as prices. A nurse in Memphis might make $65,000, but that same job in Nashville pays $75,000. Truck drivers, electricians, and welders are in high demand—and often earn more than college grads. But if you’re working in retail or customer service, your paycheck won’t stretch as far as it used to. The gap between wages and expenses is growing, especially for families.

So is Tennessee still affordable? It depends. If you’re moving from Chicago or Seattle, you’ll likely save money. If you’re staying put and your salary hasn’t changed in years, you’re probably feeling the pinch. The state’s low taxes help, but they don’t fix everything. What you need to know isn’t just the numbers—it’s how they fit your life. Do you need childcare? Do you drive a lot? Are you planning to buy a home? Those details change the math.

Below, you’ll find real posts that break down what people actually pay for housing, jobs, and daily needs in Tennessee—plus how they compare to other states, what jobs pay best, and how to stretch your dollar without sacrificing quality. No fluff. Just what works.