Cost Of Living in Garland, TN

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8%

Overall NAT. AVG.

0%

Groceries NAT. AVG.

20%

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	Garland	Tennessee	National
Cost of living	92	92	100
Groceries	100	98	100
Health care	98	97	100
Housing	80	80	100
Transportation	96	97	100
Utilities	95	98	100
Lifestyle & Entertainment	97	97	100
Household Items	97	98	100
Education & Childcare	94	97	100

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Homes For Sale In Garland, TN

0 Garland Dr

Garland, TN

0 McWilliams Rd

Garland, TN

Cost Of Living Quick Facts

The cost of living in Garland is 1% lower than the Tennessee average
The cost of living in Garland is 8% lower than the national average
Garland housing is 20% 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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Price difference in compared to

Cost of living index
Groceries index
Health care index
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	$115,453	$9,621	$2,694	$3,464
Renters	$0	$0	$0	$0

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.
Luxora, AR	1,017	76	24.1%
Henning, TN	1,209	81	18.8%
Osceola, AR	6,937	84	16.1%
Ripley, TN	8,025	85	14.6%
Mason, TN	1,146	87	12.7%
Garland, TN	338	92	8.2%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Mentone, AL	338	97	2.7%
So-Hi, AZ	338	85	15.3%
Williams, IA	338	79	21.0%
Crane, IN	338	82	18.1%
Everton, MO	338	78	21.6%
Garland, TN	338	92	8.2%