Cost of Living in Sparta, TN

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11%
Overall NAT. AVG.
3%
Groceries NAT. AVG.
27%
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 Sparta Tennessee National
Cost of living8992100
Groceries9798100
Health care9797100
Housing7380100
Transportation9597100
Utilities9698100
Lifestyle & Entertainment9497100
Household Items10098100
Education & Childcare9797100
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Homes For Sale In Sparta, TN

property for sale

263 River Oaks Dr

Sparta, TN
property for sale

128 S Young St

Sparta, TN
property for sale

21 N Spring St

Sparta, TN
property for sale

249 Darlene Dr

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

Cost Of Living Quick Facts

  • The cost of living in Sparta is 3% lower than the Tennessee average
  • The cost of living in Sparta is 11% lower than the national average
  • Sparta housing is 27% 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 Sparta

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Compare Sparta, 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$77,463$6,455$1,807$2,324
      Renters$28,915$2,410$675$868
      A good way to judge both the affordability of the housing and the cost of living in Sparta is by simply calculating the maximum that should be spent on housing, otherwise known as the debt-to-income ratio (DTI). The plan is to avoid spending more than 28 percent of the gross income on costs that pertain to housing and no more than 36 percent on all expenses and debts. Sparta has a median income of about $77,463 for people who own homes. Based on that number, a maximum of $1,807 should be spent on expenses related to housing. Renters have a slightly different median income, which is $28,915. Based on this average, renters should spend no more than $675 on all rental costs if they want to maintain a non-impoverished standard of living.

      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.
      Spencer, TN1,4438218.0%
      Doyle, TN6098416.2%
      Monterey, TN2,9278812.5%
      Cookeville, TN34,916946.0%
      Sparta, TN5,1178910.6%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Lakeport, CA5,11712121.5%
      Sugarcreek, PA5,1168118.7%
      Raeford, NC5,115928.3%
      Iroquois Point, HI5,12117575.1%
      Dellwood, MO5,1228614.0%
      Sparta, TN5,1178910.6%
      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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