Cost of Living in Tennessee for a Family of Four (2026)
A family of four in Tennessee needs about $7,065 a month ($84,778 a year) to cover a typical household budget before saving. That is 9% below the U.S. average of $7,777 and ranks #34 of 51, where #1 is the most expensive.
Rent is the main reason it costs less. Tennessee's rent level is 79% of the national average, so a typical three-bedroom rental with utilities runs about $1,605 a month, compared with $2,030 nationally. Everyday goods such as groceries and clothing cost 4% less than the national average, which puts this family's grocery bill at about $1,003 a month on the USDA low-cost food plan.
To cover this budget and still save 15% of take-home pay, a family would need about $8,312 a month after taxes ($99,739 a year).
Monthly budget in Tennessee by household
The family is two parents aged 38 and 40 with children aged 9 and 4, the youngest in paid childcare, renting a three-bedroom home. The couple is two adults aged 35 and the single adult is 30, each renting a one-bedroom home.
| Category | Family of four | Couple | Single adult |
|---|---|---|---|
| Housing & utilities | $1,605 | $1,049 | $1,049 |
| Groceries | $1,003 | $628 | $342 |
| Dining out & takeout | $251 | $157 | $86 |
| Transportation | $1,182 | $1,182 | $591 |
| Health care | $666 | $438 | $219 |
| Childcare | $1,009 | $0 | $0 |
| Phone & internet | $155 | $155 | $115 |
| Clothing | $210 | $148 | $105 |
| Household & personal care | $243 | $172 | $121 |
| Entertainment & hobbies | $380 | $269 | $190 |
| Gifts, giving & other | $360 | $255 | $180 |
| Total per month | $7,065 | $4,453 | $2,999 |
| Total per year | $84,778 | $53,430 | $35,986 |
Estimates for 2026 from LifeCalculator's family budget model: BEA Regional Price Parities by state (2024, released February 2026), USDA Food Plans: Cost of Food at Home (August 2026, low-cost plan), BLS Consumer Expenditure Survey (2024), Census median gross rent (2024) and Child Care Aware of America (2025). Figures from 2024 are adjusted by about 5% for price changes since. Savings and income taxes are not included.
What moves the number
- Childcare. Paid care for the 4-year-old adds about $1,009 a month. Without it, the family budget falls to about $6,055.
- Housing. The figure assumes renting at the state's typical level. Rents in big cities run well above the state average, and rural areas well below it.
- Cars. Transportation assumes typical costs for two drivers, including a car payment. Families with paid-off cars spend less.
- Price level. Overall, prices in Tennessee are 8% below the national average (BEA all-items index 91.9).
States with similar costs
- North Carolina: $7,193 a month (#31)
- South Carolina: $7,159 a month (#32)
- Wisconsin: $7,093 a month (#33)
- Indiana: $7,004 a month (#35)
- New Mexico: $6,993 a month (#36)
- Wyoming: $6,948 a month (#37)
See all 50 states and D.C. on the cost of living by state page, or read what it costs a family of four to live in every state.
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