Cost of Living in Harrogate, TN

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A+
6%
Overall NAT. AVG.
3%
Groceries NAT. AVG.
12%
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 Harrogate Tennessee National
Cost of living9492100
Groceries9798100
Health care9697100
Housing8880100
Transportation10097100
Utilities9798100
Lifestyle & Entertainment9597100
Household Items9798100
Education & Childcare9797100
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Homes For Sale In Harrogate, TN

property for sale

312 Cumberland Dr

Harrogate, TN
property for sale

262 Cresent St

Harrogate, TN
property for sale

573 Patterson Rd

Harrogate, TN
property for sale

Regent Dr

Harrogate, TN
See the Newest Homes For Sale In Harrogate, TN

Cost Of Living Quick Facts

  • The cost of living in Harrogate is 2% higher than the Tennessee average
  • The cost of living in Harrogate is 6% lower than the national average
  • Harrogate housing is 12% 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 Harrogate

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Compare Harrogate, TN Cost of Living

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      Salary Calculator

      This is how much you would need to earn in
      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$78,843$6,570$1,840$2,366
      Renters$71,641$5,970$1,672$2,149
      The percentage of monthly income spent on housing related expenses can help predict the affordability of housing in Harrogate, TN, as well as what the overall cost of living might be. 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 payments and not more than 36 percent of income on all expenses and debts. In Harrogate, homeowners have a median income of $78,843. Using that number, a maximum of $1,840 per month should be allocated to housing expenses. For those who are renting instead of owning, the median income is $71,641, which means there is a maximum of $1,672 to be spent on the costs of renting a home or apartment.

      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.
      Ewing, VA155972.8%
      Pathfork, KY2757326.9%
      Middlesborough, KY9,5188218.3%
      Pineville, KY1,9668317.3%
      New Tazewell, TN2,7848713.0%
      Harrogate, TN4,494945.7%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Jourdanton, TX4,494927.5%
      Edgewood, OH4,4938415.9%
      Isle of Palms, SC4,49318383.5%
      Aubrey, TX4,4931055.3%
      Holt, AL4,4958416.5%
      Harrogate, TN4,494945.7%
      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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