Uncover the Cost of Living in Nashville, TN

Understanding the cost of living in Nashville, TN, is key if you're planning a move here. Nashville living costs are more than just numbers; they can help you determine whether the city is the right fit for your lifestyle, your loved ones, and your future. Let’s take a closer look at the cost to live in Nashville, TN, so you can be better informed when deciding whether to make this dynamic city your new home.

Summary:

• Is It Expensive to Live in Nashville, Tennessee? 

• Cost of Living in Nashville, TN

• Comparing Average Home Prices and Rent Costs in Nashville, TN

• Other Living Expenses in Nashville, TN

  • Grocery Shopping and Dining Out in Nashville

  • Transportation Options and Fuel Costs in Nashville

  • Healthcare and Insurance Costs in Nashville

  • Utilities, Internet, and Phone Expenses in Nashville

  • Tax Rates in the Nashville Area

  • Recreation Costs in Nashville, Tennessee

• Average Salary in Nashville, TN

• Nashville, TN, Cost of Living Comparison

• Average Cost of New Construction Homes in Nashville by Neighborhood

• Cost of Living in Nashville, TN, Conclusion

Is It Expensive to Live in Nashville, Tennessee?

For many homebuyers, Nashville hits a sweet spot financially. While home prices have increased in recent years, everyday essentials, such as groceries, healthcare, and transportation, remain reasonable compared to some other major cities. Add in the fact that Tennessee has no state income tax, and your dollar can potentially stretch further than you might expect. Whether you're relocating from a high-cost city or simply looking for more space and modern home designs, Nashville may offer you an ideal lifestyle upgrade.

Cost of Living in Nashville, TN

If you’re eyeing Nashville as your next home base, you're not alone, and with good reason. The overall Nashville cost of living is just 1% below the national average, though 9% higher than the state average, according to RentCafe® as of March 2025, with essentials like groceries and clothing also on par or lower than national costs. That helps make Nashville a great choice for homebuyers who want a metropolitan feel in a Southern state without the steep price tag of larger cities like Atlanta or Austin. 

When considering the average cost of living in Nashville, TN, it can also be beneficial to know how much you may need to earn to cover essential expenses. According to the MIT® Living Wage Calculator, as of February 2025, a single adult with no children needs to earn $25.52 per hour to live comfortably, while a household of two working adults and two children would require both adults to earn $26.46 per hour.

Housing Costs in Nashville, TN

According to Redfin®, the median home price as of May 2025 averages $489K, with homes spending roughly 54 days on the market versus 47 days one year ago. This trend can give prospective homeowners a little more leverage and flexibility when shopping for the right fit.

In terms of affordability, Nashville's housing costs hover just 1% above the U.S. average, while utility costs run about 2% lower, according to RentCafe’s March 2025 data. That balance can make a noticeable difference when you're budgeting for a new home. 

For renters, monthly costs remain relatively moderate by big-city standards. According to Apartments.com®, as of June 2025, the Nashville average apartment rent is around $1,714, which is about 5% higher than the national average of $1,636. While prices do vary by neighborhood and unit size, Nashville’s rental market remains competitive, especially when compared to coastal metros or cities with denser urban cores. 

Other Living Expenses in Nashville, TN

Beyond housing, living expenses in Nashville, TN, generally balance modern convenience with everyday affordability. Whether you’re planning your monthly grocery list, calculating internet and phone prices, or estimating healthcare fees, understanding costs in these categories can help you budget confidently.

Grocery Shopping and Dining Out in Nashville

Basic grocery costs in Nashville tend to be reasonable. A bottle of milk costs about $4.63, a dozen eggs average $3.32, and a pound of potatoes runs around $5.13, putting all these prices on par with the national average, according to RentCafe as of March 2025. For overall food budgeting, the MIT Living Wage Calculator estimates annual food costs average $4,564 for a single adult and $13,378 for a household of two working adults and two children as of February 2025. Whether you're picking up organic produce at the Nashville Farmers' Market or stocking the pantry at Whole Foods or Publix, your grocery expenses align with national costs, helping you prioritize quality meals without stretching your wallet.

Additionally, food lovers will feel right at home in Nashville. The city offers everything from gourmet hot chicken joints to upscale date-night destinations. Per Numbeo™, dining out can range from $17.50 at a low-cost restaurant to $77.50 for two people to enjoy a three-course meal at a more mid-range establishment as of July 2025. 

Transportation Options and Fuel Costs in Nashville

Nashville is largely car-centric, with most residents relying on personal vehicles for daily commuting and errands. While public transportation is available via WeGo Public Transit, most Nashville neighborhoods are designed with car drivers in mind. AAA® finds gas prices average $2.89 per gallon as of July 2025.

MIT’s 2025 Living Wage data estimates the annual Nashville average cost of living for transportation runs roughly $10,910 for a single adult and $18,300 for a two-working-parent household with two children. For many residents, that includes car payments, fuel, insurance, and routine maintenance. With gas prices generally hovering near the national average and plenty of well-maintained roads and highways, getting around can be straightforward and efficient. Living in a commuter-friendly suburb or one that’s conveniently close to essential amenities can also help make your daily drive easier.

Healthcare and Insurance Costs in Nashville

Given its concentration of hospitals and medical professionals, Nashville offers reliable access to a wide range of medical services, from general practitioners to specialized care. Overall, the living cost in Nashville, TN, for healthcare is 4% lower than the national average, with a visit to the doctor averaging $122 and dental and optometry visits costing around $110 and $114, respectively, according to March 2025 data from RentCafe. If you pay for your own insurance coverage, ValuePenguin® finds that the most inexpensive monthly medical insurance plans in Tennessee range from $468–$528 as of May 2025.

Overall, per February 2025 data from MIT, healthcare expenses in Nashville average $3,423 for a single adult and $11,526 for a household of two working parents and two children. Whether you're looking for a quality primary care doctor, pediatric specialists, or a comprehensive insurance plan, Nashville offers a range of options to help everyone in your household get the care they need within your budget.

Utilities, Internet, and Phone Expenses in Nashville

When it comes to utilities that help keep your home running smoothly, Nashville living expenses in this category are 2% lower than the national average per RentCafe as of March 2025, with energy bills approximately $182 per month. Internet and phone services vary based on providers, but MIT’s February 2025 data finds the annual costs for these services average $1,800 for a single adult and $2,382 for a household of four.

With high-speed internet options, Nashville residents can enjoy connectivity without breaking the bank. By using smart thermostats and energy-efficient modern home appliances, homeowners can help manage these essential costs and can often bundle or optimize these expenses with the right provider.

Tax Rates in the Nashville Area

One of the biggest financial advantages of living in Tennessee is that there’s no state income tax, which helps keep more money in your pocket. However, the state’s sales tax is slightly higher than average. According to Avalara®, the 2025 combined sales tax rate in Nashville is 9.75%, which includes the 7% state rate plus county-level tax rates. MIT’s February 2025 data estimates annual tax expenses to be around $7,371 for a single adult in Nashville and $10,927 for a household of two working adults and two children.

Recreation Costs in Nashville, Tennessee

Living in Nashville not only features great dining options and live music, but the city also offers easy access to enriching and affordable fun things to do year-round. Whether you're entertaining loved ones or planning a low-key weekend with your significant other, you can find entertaining and memorable experiences that balance value and convenience: 

• Nashville Zoo at Grassmere: Admission can range from $20–$29 for adults and offers shaded trails, splash pads, and close-up animal encounters like the Kangaroo Kickabout.
  
  

• Adventure Science Center: Entry starts at $22 for adults and includes interactive exhibits, hands-on labs, and a planetarium. It’s a top indoor pick for curious minds of all ages, and it's only about 20 miles from Pulte new construction homes in La Vergne, TN.
  
  

• Lucky Ladd Farms: Starting at $16 per adult, depending on the day and time, enjoy a petting zoo, seasonal corn mazes, and playgrounds. It’s an ideal outing, especially for youngsters.
  
  

• Warner Parks: This free local gem offers over 2,000 acres of hiking trails and picnic spots. It’s perfect for weekend strolls and is located about 15 miles from our new construction homes in Fairview, TN.
  
  

• Bicentennial Capitol Mall State Park: Another free option, this educational park features several paths, fountains, and a large granite map of Tennessee. It’s a favorite for low-cost outings and sightseeing.

Average Salary in Nashville, TN

As of April 2025, the average annual salary in Nashville is $67,024, according to ZipRecruiter®. That translates to about $32.22 per hour or approximately $5,585 per month. Salaries in the area typically range from $49,076 to $83,500 across industries like healthcare, tech, education, and the music business.

MIT’s Living Wage Calculator estimates that, as of February 2025, a single adult needs to earn at least $53,090 annually before taxes, and a household of four, two working adults and two children, requires a combined income of $110,087 to live comfortably in Nashville.

Nashville, TN, Cost of Living Comparison

If you're weighing a move to Nashville, understanding how the city compares to other major metropolitan areas can also be beneficial. Using the Forbes® cost of living calculator (as of June 2025), here’s how Nashville stacks up against a few popular Southern cities:

• Nashville, TN vs. Houston, TX: The overall cost of living in Nashville is about 5.3% higher than in Houston, TX. To maintain a $70K-salary Houston lifestyle, you’d need to earn approximately $73.4K in Nashville. There’s also a significant difference in housing costs, with home prices around 28% higher in Nashville than in Houston. However, these costs can be offset by savings in other areas. For example, transportation costs are roughly 3% lower, healthcare is about 2% less expensive, and everyday goods and services like groceries and toiletries are nearly 5% cheaper in Nashville. 

• Nashville, TN vs. Atlanta, GA: Nashville is slightly more expensive than Atlanta overall. To match the lifestyle of a $70K salary in Atlanta, you would need to earn about $71.9K in Nashville. Nashville’s home prices and monthly rent are also approximately 17% higher than in Atlanta, with goods and services about 1% higher in Music City. However, transportation costs are around 9% lower in Nashville, and healthcare is also more affordable, at 11% less.
  
  

• Nashville, TN vs. Charlotte, NC: Housing is the biggest differentiator between Nashville and Charlotte, with Nashville’s home and rent prices around 20% higher than in Charlotte. However, the gap closes in other categories. Transportation is about 4% cheaper in Nashville, and healthcare costs are roughly 4% lower as well. Nashville also tops Charlotte in day-to-day expenses, with goods and services like coffee, milk, and shampoo averaging 10% lower. 

Average Cost of New Construction Homes in Nashville by Neighborhood

Whether you're searching for a home in Nashville’s scenic suburbs or one with proximity to the city, you can find a wide range of new construction options to fit your lifestyle. From lively community-oriented neighborhoods to quiet retreats outside city lines, here's a look at what you can expect to spend on new construction homes in some of the region’s most sought-after neighborhoods.

Nashville

Nashville is known for its world-renowned music scene, celebrated restaurants, and big energy. Home to iconic spots like the Ryman Auditorium, Broadway, and Centennial Park, the city blends its rich history with modern innovation. Growing households enjoy neighborhoods like 12 South and Sylvan Park, while The Gulch and Germantown cater more toward commuters who prefer living close to work. With accessible healthcare facilities, universities, and cultural institutions, Nashville offers an equal measure of convenience, amenities, and entertainment. The cost to build a new home in Nashville, according to NewHomeSource™, ranges from the upper $400Ks to the upper $700Ks as of June 2025. 

Mt. Juliet

Located about 20 miles east of Downtown Nashville, Mt. Juliet is a very popular suburb for good reason. It offers a highly rated public school system per GreatSchools.org (June 2025), easy access to Old Hickory Lake, and top retail destinations like Providence Marketplace. Known as "The City Between the Lakes," Mt. Juliet blends outdoor fun with suburban necessities. Residents love its small-town charm paired with big-city convenience, thanks to its local commuter rail stop and proximity to I-40. It’s an ideal location for those who want space to grow while staying close to Nashville. The cost to build a new home in Mt. Juliet, per NewHomeSource, ranges from the upper $300Ks to the mid $900Ks as of June 2025. Explore our new construction homes in Mt. Juliet, TN, with prices starting in the upper $500Ks.

Hendersonville

Situated along the shoreline of Old Hickory Lake, Hendersonville is a scenic suburb northeast of Nashville. It’s known for its quality school systems, waterfront living, wonderful parks like Drakes Creek and Sanders Ferry, and The Streets of Indian Lake shopping district. Music lovers may also appreciate the area’s ties to Johnny Cash and other country legends who called this spot home. With its peaceful atmosphere, easy access to the lake, and frequent community events bringing locals together, it’s a standout choice for those who want room to relax without losing access to city life. As of June 2025, the cost to build a new home in Hendersonville, per NewHomeSource, ranges from the lower $400Ks to the mid $900Ks. Our new construction homes in Hendersonville, TN, start in the upper $500Ks.

Columbia

Columbia, located about 45 miles south of Nashville in Maury County, offers a historic backdrop with modern-day vibes. Known for its revitalized downtown square, antique shops, and annual Mule Day festival, Columbia is packed with character, affordable housing, and a strong sense of hometown pride. Outdoor enthusiasts enjoy Chickasaw Trace Park and the scenic Duck River, plus the area is also experiencing a surge in new development, bringing restaurants, breweries, and entertainment options to residents. Columbia is an appealing destination for homebuyers seeking more space, lower costs, and a welcoming community spirit. The cost to build a new home in Columbia ranges from the upper $200Ks to mid $600Ks per according to NewHomeSource as of June 2025. Pulte new construction homes in Columbia, TN, start in the upper $300Ks.

Fairview

Fairview is a serene residential suburb roughly 30 miles southwest of Nashville and is best known for its access to Bowie Nature Park, one of the largest city-managed parks in Tennessee, featuring lakes, trails, and nature programming for all ages. With its slower pace and rural character, Fairview attracts homebuyers who prefer privacy, green spaces, and a friendly, community-oriented feel. Top-rated Williamson County schools (GreatSchools.org, June 2025) and a growing mix of local businesses add to the area’s appeal. It’s an ideal spot for those seeking a laid-back lifestyle yet still within reach of the city. The cost to build a new home in Fairview, according to NewHomeSource, ranges from the lower $300Ks to the mid $1.4M. Our new construction homes in Fairview, TN, start in the low $300Ks.

White House

Positioned along I-65 about 25 miles north of Nashville, White House offers small-town charm and commuter convenience. The community has seen steady growth in its residential development and recreation options, and locals love its inviting neighborhoods, annual festivals, and quality schools, alongside easy access to the White House Greenway and proximity to larger shopping hubs in Hendersonville and Gallatin. The town's strategic location on the county line helps make it popular for those looking to settle just outside the hustle and bustle of Nashville while benefiting from an easy drive into town. The cost to build a new home in White House, according to NewHomeSource, ranges from the lower $300Ks to upper $500Ks as of June 2025. Explore our new construction homes in White House, TN, starting in the lower $400Ks.

Cost of Living in Nashville, TN, Conclusion

Nashville attracts homebuyers with its unique mix of lifestyle, opportunity, and value. While housing costs have risen, the absence of state income tax, competitive salaries, and lower-than-average expenses in key categories, such as healthcare and transportation, help balance the budgeting equation. Whether you’re drawn to the energy of downtown or the ease of nearby suburbs like Mt. Juliet, Columbia, or Hendersonville, there’s a place in Nashville that fits your lifestyle.

Explore new construction homes in Nashville, TN, today, or browse more Pulte blogs. 

Written By: Jordan Thomson, Freelance Writer