Cost of Living in Charlotte, TN

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7%
Overall NAT. AVG.
3%
Groceries NAT. AVG.
16%
Housing NAT. AVG.
Date & Last Updated: These cost of living estimates reflect 2026 modeled data using U.S. Census housing inputs and AI-assisted city-level pricing models.
The cost of living index is based on a national average of 100. For example, if the cost of living score is 90, then the estimated cost of living is 10% lower than the national average. If the score is 110, then the estimated cost of living is 10% higher than average. The overall index is calculated using weighted estimates across major everyday expense categories, including housing (30%), groceries (16%), transportation (12%), healthcare (10%), utilities (8%), lifestyle and entertainment (8%), household expenses (8%), and education and childcare (8%). All values are AI-assisted city-level estimates designed for directional comparisons.
Index Charlotte Tennessee National
Cost of living9392100
Groceries9798100
Health care9797100
Housing8480100
Transportation9997100
Utilities9998100
Lifestyle & Entertainment10197100
Household Items9698100
Education & Childcare9297100
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Homes For Sale In Charlotte, TN

property for sale

Briarwood Dr

Charlotte, TN
property for sale

3033 Bowker Rd

Charlotte, TN
property for sale

2815 Highway 49 E

Charlotte, TN
property for sale

1475 Spann Rd

Charlotte, TN

Cost Of Living Quick Facts

  • The cost of living in Charlotte is 1% higher than the Tennessee average
  • The cost of living in Charlotte is 7% lower than the national average
  • Charlotte housing is 16% 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

Most Affordable Places to Live in and Around Charlotte

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Compare Charlotte, TN Cost of Living

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      Salary Calculator

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      Housing index
      Transportation index
      Utilities index
      Lifestyle index
      Household index
      Educare index

      Median Income & Debt-To-Income Ratio

      Median Income Per Year Per Month Max Budget (28% DTI) Max Budget (36% DTI)
      Owners$93,086$7,757$2,172$2,793
      Renters$46,572$3,881$1,087$1,397

      Tennessee Sales Tax

      State General Sales Tax With Max Surtax
      Tennessee 7% 9.75%

      Tennessee Income Tax

      State Income Tax (Low) Income Tax (High)
      Tennessee 0% 0%

      Nearby cities with low cost of living

      City Population Cost of Living Index National Avg.
      Slayden, TN1278713.0%
      Vanleer, TN4308811.6%
      White Bluff, TN3,665928.1%
      Dickson, TN16,026945.9%
      Burns, TN1,752963.7%
      Charlotte, TN2,166936.8%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Lebanon South, PA2,166954.9%
      Narrows, VA2,1668910.7%
      Fort Qu'Appelle, SK2,166n/a 
      Columbia, CA2,16513030.2%
      South Taft, CA2,1651010.9%
      Charlotte, TN2,166936.8%
      Date & Last Updated: These cost of living estimates reflect 2026 modeled data using U.S. Census housing inputs and AI-assisted city-level pricing models.
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