Cost of Living in Jefferson City, TN

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11%
Overall NAT. AVG.
3%
Groceries NAT. AVG.
29%
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 Jefferson City Tennessee National
Cost of living8992100
Groceries9798100
Health care9697100
Housing7180100
Transportation10097100
Utilities9798100
Lifestyle & Entertainment9597100
Household Items9798100
Education & Childcare9797100
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Homes For Sale In Jefferson City, TN

property for sale

591 Forgety Rd

Jefferson City, TN
property for sale

1011 Buffalo Rd

Jefferson City, TN
property for sale

2316 Branner Ave

Jefferson City, TN
property for sale

119 Bicentennial Dr

Jefferson City, TN

Cost Of Living Quick Facts

  • The cost of living in Jefferson City is 3% lower than the Tennessee average
  • The cost of living in Jefferson City is 11% lower than the national average
  • Jefferson City housing is 29% 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 Jefferson City

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      Salary Calculator

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      Cost of living index
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      Housing index
      Transportation index
      Utilities index
      Lifestyle index
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      Educare index

      Median Income & Debt-To-Income Ratio

      Median Income Per Year Per Month Max Budget (28% DTI) Max Budget (36% DTI)
      Owners$87,125$7,260$2,033$2,614
      Renters$35,605$2,967$831$1,068
      The percent of monthly income spent on housing can be a good indicator of the affordability of housing in Jefferson City, TN, as well as the overall cost of living. As a general rule of thumb, the debt-to-income ratio (DTI) for homeowners or renters should be not more than 28 percent of gross income to be spent on housing related costs and not more than 36 percent of income on all expenses, including debts. The median income for Jefferson City homeowners, is $87,125. This would allow for a maximum of $2,033 per month to be spent on housing costs. For renters, the median monthly income is $35,605 which would result in a maximum of $831 to be spent on rental costs.

      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.
      Rutledge, TN1,5168416.3%
      Luttrell, TN1,0718515.2%
      White Pine, TN2,4718811.7%
      Morristown, TN30,7388911.2%
      New Market, TN1,617909.5%
      Jefferson City, TN8,5248910.8%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Four Corners, MD8,52415353.1%
      Long Hill, CT8,52813636.3%
      Ahuimanu, HI8,52919090.5%
      Fort Dix, NJ8,52913433.6%
      Baxter, MN8,5181044.0%
      Jefferson City, TN8,5248910.8%
      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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