Cost Of Living in Spurgeon, TN

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5%

Overall NAT. AVG.

4%

Groceries NAT. AVG.

13%

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	Spurgeon	Tennessee	National
Cost of living	95	92	100
Groceries	96	98	100
Health care	99	97	100
Housing	87	80	100
Transportation	97	97	100
Utilities	99	98	100
Lifestyle & Entertainment	99	97	100
Household Items	98	98	100
Education & Childcare	100	97	100

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Homes For Sale In Spurgeon, TN

116 Lindsay Ln

Johnson City, TN

131 Quiet Stroll Ln

Gray, TN

37 Grist Mill Ct #37

Johnson City, TN

165 Brookfield Ln

Kingsport, TN

Cost Of Living Quick Facts

The cost of living in Spurgeon is 3% higher than the Tennessee average
The cost of living in Spurgeon is 5% lower than the national average
Spurgeon housing is 13% 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	$102,657	$8,555	$2,395	$3,080
Renters	$43,530	$3,628	$1,016	$1,306

The percent of monthly income spent on housing can be a good indicator of the affordability of housing in Spurgeon, 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 Spurgeon homeowners, is $102,657. This would allow for a maximum of $2,395 per month to be spent on housing costs. For renters, the median monthly income is $43,530 which would result in a maximum of $1,016 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.
Telford, TN	1,019	82	17.9%
Weber City, VA	1,641	87	13.0%
Fall Branch, TN	1,206	87	12.5%
Bloomingdale, TN	9,688	87	12.5%
Bluff City, TN	2,140	87	12.9%
Spurgeon, TN	4,595	95	5.3%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Perryville, MD	4,595	112	12.1%
Rockford, MN	4,595	102	1.7%
McSwain, CA	4,594	148	47.6%
Manlius, NY	4,596	108	7.8%
Smithville, TX	4,596	98	1.9%
Spurgeon, TN	4,595	95	5.3%