Cost Of Living in St. Joseph, TN

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19%

Overall NAT. AVG.

5%

Groceries NAT. AVG.

51%

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	St. Joseph	Tennessee	National
Cost of living	81	92	100
Groceries	95	98	100
Health care	97	97	100
Housing	49	80	100
Transportation	98	97	100
Utilities	96	98	100
Lifestyle & Entertainment	94	97	100
Household Items	95	98	100
Education & Childcare	91	97	100

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Homes For Sale In St. Joseph, TN

404 McMurtrey St

Saint Joseph, TN

122 McIntyre Rd

Iron City, TN

37 Old Jackson Hwy S

St Joseph, TN

Cost Of Living Quick Facts

The cost of living in St. Joseph is 12% lower than the Tennessee average
The cost of living in St. Joseph is 19% lower than the national average
St. Joseph housing is 51% 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	$59,131	$4,928	$1,380	$1,774
Renters	$27,559	$2,297	$643	$827

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.
Iron City, TN	97	72	28.0%
Collinwood, TN	1,195	80	19.9%
Loretto, TN	1,849	84	15.8%
Lawrenceburg, TN	11,258	87	13.0%
Underwood-Petersville, AL	2,778	86	14.3%
St. Joseph, TN	923	81	18.6%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Waverly Hall, GA	923	94	5.8%
Buffalo, IN	923	85	14.9%
Westbrook, MN	923	81	18.8%
Hooper, NE	923	90	9.7%
Dibble, OK	923	91	8.6%
St. Joseph, TN	923	81	18.6%