Houston vs Nashville: cost of living compared
Nashville is 10% more expensive than Houston overall. Neither TX nor TN has a state income tax.
Indexes use a US average of 100: below 100 is cheaper than the national average. Housing and transportation are derived from median home prices, rents and commute times; figures come from BLS, Census ACS, Numbeo and the MIT Living Wage Calculator.
The big picture
Comparing Houston and Nashville reveals a noticeable difference in overall cost of living, with Houston generally more budget-friendly. This distinction is predominantly driven by housing expenses, which are significantly higher in Nashville. While some categories show closer parity, the substantial gap in home prices and rents makes Houston the more economical choice for many, impacting the total household budget considerably.
Housing
Housing costs present the most significant divergence between these two metros. Both purchasing a home and renting an apartment are considerably more expensive in Nashville. Houston offers a more accessible housing market, with a wider range of options for various budgets. Property taxes and insurance costs can also vary, but the initial acquisition or rental price difference is substantial, making Houston a more affordable place to live.
Taxes and everyday costs
When it comes to daily expenses, both Texas and Tennessee have no state income tax, which is a benefit for residents in both cities. Transportation costs are roughly similar, though slightly higher in Houston. Food, healthcare, and utilities are also comparable, with some minor variations. Overall, everyday spending on these essentials is relatively close, meaning the major budget impact comes from housing.
Lifestyle trade-offs
Beyond costs, both cities offer distinct experiences. Houston is a sprawling metropolis with a humid subtropical climate, known for its diverse industries and extensive urban footprint. Nashville, while also growing, has a slightly different feel, often associated with its vibrant music scene and a more temperate climate. Both offer varied cultural attractions and dining, but Houston's larger scale often translates to more options and a different pace of life.
Bottom line
For those weighing a move, the primary financial consideration between Houston and Nashville will be housing. Houston offers a distinctly lower cost for both buying and renting, which can free up significant funds in a household budget. While other daily expenses are more aligned, the substantial difference in housing means that a move to Houston generally provides a more affordable living situation, allowing for greater financial flexibility.
| Measure | Houston, TX | Nashville, TN |
|---|---|---|
| Overall cost of living (US avg = 100) | 98 | 108 |
| Housing index | 84 | 119 |
| Transportation index | 109 | 104 |
| Food index | 95 | 98 |
| Healthcare index | 98 | 98 |
| Utilities index | 108 | 98 |
| Misc index | 92 | 95 |
| Median home price | $298,000 | $438,000 |
| Median 1-bedroom rent | $1,250/mo | $1,650/mo |
| Average commute | 31 min | 29 min |
Compare any two metros with the free cost of living tool, or see the true monthly cost of a specific Nashville home with the True Cost Calculator.