Cost Of Living in Pelham, TN

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4%

Overall NAT. AVG.

4%

Groceries NAT. AVG.

100%

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	Pelham	Tennessee	National
Cost of living	96	92	100
Groceries	96	98	100
Health care	98	97	100
Housing	n/a	80	100
Transportation	96	97	100
Utilities	96	98	100
Lifestyle & Entertainment	94	97	100
Household Items	99	98	100
Education & Childcare	97	97	100

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Homes For Sale In Pelham, TN

0 Cooleys Rift BLVD

Monteagle, TN

72 Lady Slipper Ln

Monteagle, TN

256 Vista Vue Trl

Pelham, TN

5600 Tennessee 50

Pelham, TN

Cost Of Living Quick Facts

The cost of living in Pelham is 4% higher than the Tennessee average
The cost of living in Pelham is 4% lower than the national average
Pelham 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

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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	$75,837	$6,320	$1,769	$2,275
Renters	$217,157	$18,096	$5,067	$6,515

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.
Viola, TN	147	98	2.0%
Beersheba Springs, TN	787	96	3.6%
Altamont, TN	1,022	80	19.8%
Coalmont, TN	877	81	18.6%
Cowan, TN	1,529	83	17.4%
Pelham, TN	341	96	3.6%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Saxman, AK	341	111	11.1%
Fulton, AL	341	81	18.5%
Maysville, AR	341	94	6.0%
Dillard, GA	341	95	4.6%
Russellville, IN	341	84	16.4%
Pelham, TN	341	96	3.6%