Monthly Cost of Living in Tennessee — Full 2026 Budget Breakdown
A single adult in Tennessee typically needs about $3,074/month, with rent of $1,350 (1BR) as the largest single expense. A family with kids runs closer to $5,167/mo.
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In Tennessee, the swing factor is rent. Nashville pulls the averages up; smaller cities like Memphis often run 15–30% cheaper. Groceries, utilities, and transport are far more predictable — what changes a budget most is the apartment.
Cheap vs expensive areas in Tennessee
Prime neighborhoods push 1BR rent to around $1,823/mo. Premium grocery prices, paid parking, and higher dining costs all compound.
Smaller cities and suburbs typically run a 1BR around $1,013/mo — 25–40% below the metro centre, with cheaper groceries and shorter commutes.
Cost breakdown — at a glance
Monthly budget by household
Typical totals in Tennessee for a single adult, a couple, and a family with kids.
1-bedroom, modest urban lifestyle.
2-bedroom, shared groceries and transport.
2-bedroom, childcare, more food and healthcare.
Monthly budget — full table
Visual breakdown
Salary needed to live here
Rule of thumb: you want take-home pay of at least $3,689/mo to live comfortably — roughly $59,000/year gross.
Compare with neighbors
Common questions
These estimates are approximate and may vary by city, taxes, rent, family size, and personal spending. Use them as a starting point, not a substitute for personalised financial or tax advice.