Chattanooga

Chattanooga, Tennessee is a growing city with a population of approximately 187,030. The overall cost of living index sits at 98, which is near the national average of 100. This means everyday expenses — housing, groceries, transportation, and healthcare — are roughly 2% less expensive compared to the typical U.S. city.

Housing is the largest cost driver in Chattanooga. Median rent is $1,499 per month, while the median home price is $314,306. At a median household income of $61,028, rent consumes roughly 29% of gross income, which remains manageable relative to local incomes. The housing sub-index of 96 sits close to the national norm.

Beyond housing, healthcare is the most elevated non-shelter expense in Chattanooga with a sub-index of 101, while utilities is comparatively more affordable at 90. State-level taxes also shape the true cost of living: Tennessee applies a 0.00% income tax rate, and property tax averages 0.56% of assessed home value. The combined sales tax rate is 9.55%. Local income tax may apply in some municipalities.

Over the past twelve months, the cost of living in Chattanooga has remained relatively stable. Among the 6 tracked cities in Tennessee, Chattanooga ranks #3 from most to least affordable. Whether you're evaluating a job offer, planning a relocation, or comparing salary purchasing power, these numbers give a grounded, data-backed view of what life in Chattanooga actually costs.