Harrogate cost of living index

In the event that the cost of living data was unavailable for this city, estimates based upon nearby cities were used. Each cost of living index is based on a national average of 100. If the amount is below 100, it is lower than the national average. If the amount is above 100, it is higher than the national average.
Cost of living index8891100
Goods & Services index10098100
Groceries index9192100
Health care index8989100
Housing index6680100
Transportation index9493100
Utilities index9891100
A general overview of the cost of living index for Harrogate, TN is displayed above. In Harrogate, TN, the overall cost of living index is 88, which is 3% lower than the Tennessee average and 12% lower than the U.S. average. The following categories are used to calculate the overall cost of living index: goods/services (33%), housing (30%), groceries (13%), utilities (10%), transportation (9%) and health care (5%). From the list, it is clear that the categories of goods/services and housing are responsible for the largest portions of the overall cost of living index. As a general rule, everyday goods and services provide an accurate measure of the general cost of goods in any given city. In the case of Harrogate, TN, the city's goods and services are 2% higher than the Tennessee average and equal to the U.S. average.

Did you know?

  • The cost of living in Harrogate is 3% lower than the Tennessee average.
  • The cost of living in Harrogate is 12% lower than the national average.
  • The cost of housing in Harrogate is 34% lower than the national average.
  • Tennessee general sales tax is 37% higher than the national average.
  • Tennessee state income tax is 100% lower than the national average.

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Compare Harrogate, TN Cost of living To Other Cities

Salary Calculator

This is how much you would need to earn in
Price difference in compared to
Cost of living index
Goods & Services index
Groceries index
Health care index
Housing index
Transportation index
Utilities index
Using the salary calculator lets you compare the salary you earn in Harrogate, TN to what it is in other cities. It will let you know what your earnings would have to be in another city to have the same standard of living, as determined by the cost of living in each city. For example, if the cost of living in the area you want to move to is higher than the cost of living in Harrogate, TN, you have to earn a higher income in order to still have the same standard of living. To operate the Harrogate, TN salary calculator, put in the name of the other city, then move the slider to the point that represents the current income. The salary calculator will take care of the rest and tell you how much more or less you must earn in the new city. A Total breakdown of the cost of living is also provided.

Median Income & Debt-To-Income Ratio

Median IncomePer YearPer MonthMax Budget (28% DTI)Max Budget (36% DTI)
How much of your monthly income goes to housing can tell you whether or not you can afford housing in Harrogate, TN, as well as what the average cost of living is. Generally, a good rule to follow is that the debt-to-income (DTI) level you want to maintain is 28 percent or less of your income on your rent or mortgage payment and not more than 36 percent of income on all expenses and debts. In Harrogate, TN homeowners have a median income of $54,375. Using that number, you will come up with a maximum of $1,269 per month that can be spent on the cost of housing. For those who are renting instead of owning, the median income is $24,592, which means there is a maximum of $574 to be spent on the costs of renting a home or apartment.

Tennessee Sales Tax

StateGeneral Sales TaxWith Max Surtax

Tennessee Income Tax

StateIncome Tax (Low)Income Tax (High)
For those who live in Harrogate, TN and want to know what the true cost of living is, they ought to look at both the Tennessee income tax rate and the Tennessee sales tax rate. By sales tax, we mean the taxes that are included whenever a person is purchasing any goods or services. The amount that is taxed depends upon the particular state, where some states have a sales tax of zero percent while others can have a tax higher than seven percent. In Tennessee, the sales tax is 7%, while the most you'll pay in surtax is 9.75%. There is also income tax to consider, which is based upon the amount of money made in a year. Just like sales tax, income tax depends upon the particular state but also depends upon what tax bracket the person is in. Income tax for the state can be higher than nine percent in some states to zero percent in others. For those that live in Tennessee, the income tax rate ranges between 0% to 0%.

Goods & Services

ItemHarrogateNational avg.Difference
Haircut $11.00$14.5924.6%
Beauty Salon $32.33$34.686.8%
Toothpaste $2.18$2.4711.9%
Shampoo $0.98$1.024.1%
Movie $10.50$9.876.4%
Bowling $3.85$4.3912.3%


ItemHarrogateNational avg.Difference
Ground Beef $4.67$4.484.3%
Fried Chicken $1.15$1.4621.5%
Milk $2.46$2.364.4%
Potatoes $3.31$3.068.1%
Pizza $11.49$9.2424.3%
Beer $8.58$8.630.6%

Health Care

ItemHarrogateNational avg.Difference
Optometrist $101.67$99.781.9%
Doctor $89.33$105.0315.0%
Dentist $85.33$88.703.8%
Ibuprofen $7.97$9.4115.3%
Lipitor $246.50$298.5017.4%


ItemHarrogateNational avg.Difference
Home Price $111,100.00$175,700.0036.8%
Avg. Mortgage Payment $818.14$1,081.0324.3%
Apartment Rent $675.00$920.0026.6%


ItemHarrogateNational avg.Difference
Gasoline $2.04$2.092.6%
Tire Balancing $39.00$45.2913.9%


ItemHarrogateNational avg.Difference
All Electricity$153.53$170.8010.1%
Phone $30.65$28.268.5%
Although the cost of living data is updated regularly, this cost of living information is to be used as estimates only as prices can change on an ongoing basis.

Nearby cities with low cost of living

City, StatePopulationCost of Living IndexNational Avg.
Pathfork, KY48371-29%
Ewing, VA26079-21%
Middlesborough, KY10,03581-19%
Pineville, KY1,97183-17%
Tazewell, TN2,08884-16%
Harrogate, TN4,34988-12%

Cities with similar population

City, StatePopulationCost of Living IndexNational Avg.
Medford, WI4,34984-16%
Le Roy, NY4,34896-4%
Oak View, CA4,34713636%
Waverly, OH4,35384-16%
Soldotna, AK4,34512121%
Harrogate, TN4,34988-12%
Source: The Harrogate, TN cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for the fourth quarter of 2015.