Cheapest Place In Tennessee To Live: Affordable Cities With Low Cost Of Living [Updated On: September 2025]

Memphis is the cheapest city to live in Tennessee, with a median home sale price of $190,000. Other affordable cities include Rockwood, LaFollette, Chattanooga, Johnson City, and Clarksville. These cities provide good housing affordability and a low cost of living, making them great choices for those on a budget.

Another affordable city is Chattanooga. This city offers a vibrant culture and outdoor activities while maintaining a low cost of living. The median rent is below the state average, making it accessible for families and individuals alike.

Clarksville is also notable for its affordability. It boasts a strong military presence and a growing economy. Residents enjoy low property taxes and inexpensive healthcare compared to other Tennessee cities.

Finding the cheapest place in Tennessee to live involves examining various factors, including housing, transportation, and daily expenses. Understanding these factors helps prospective residents make informed decisions about their next move. With these affordable options in mind, let’s delve deeper into how each city compares in terms of amenities and lifestyle.

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What is the Cheapest Place in Tennessee to Live?

The cheapest place in Tennessee to live is often considered to be Hohenwald. Hohenwald offers a low cost of living combined with essential amenities and a quiet lifestyle. The town has affordable housing options, making it appealing to individuals and families seeking budget-friendly environments.

According to the U.S. Census Bureau, Hohenwald has an average cost of living index significantly lower than the national average. This data establishes Hohenwald as a suitable choice for low-income residents or those on fixed budgets.

Hohenwald’s affordability stems from its low housing costs, lower utility expenses, and minimal transportation fees. These factors collectively contribute to a lower overall living expense compared to larger cities in Tennessee.

The Numbeo Cost of Living Index also indicates that Hohenwald has a lower food and grocery cost than many other areas, adding to its affordability. Access to nature and less crowded conditions enhance the overall quality of life.

Factors contributing to Hohenwald’s economic situation include local job availability, socioeconomic status of residents, and local government policies. The city’s economic infrastructure supports small businesses and provides services necessary for resident wellbeing.

Statistics show that the average home price in Hohenwald is around $150,000, while the average monthly rent for a one-bedroom apartment is approximately $700. These figures reflect a stable housing market.

The consequences of living in affordable areas like Hohenwald can include lower stress levels, better community relations, and an overall higher quality of life due to economic freedom.

Health and social aspects can improve in low-cost living areas, as residents might experience reduced financial strain, leading to healthier lifestyles. Additionally, the environment benefits from less urbanization, preserving local landscapes.

To enhance living conditions, local authorities can invest in community programs that promote economic development, health awareness, and education. Recommendations from the Tennessee Economic and Community Development Department emphasize boosting small businesses and affordable housing initiatives.

Adopting practices like sustainable housing development and community-centered economic planning can further improve living affordability. Utilizing technology for energy efficiency and promoting public transport can aid residents in achieving a balanced economic state.

Which Cities Have the Lowest Cost of Living in Tennessee?

The cities with the lowest cost of living in Tennessee include several affordable options for residents.

Memphis
Chattanooga
Nashville (certain neighborhoods)
Jackson
Morristown

These five cities offer various living conditions, amenities, and population sizes, catering to different preferences and lifestyles. For instance, Memphis provides a vibrant cultural scene, while Chattanooga focuses on outdoor recreation. Some may argue Nashville’s developing areas present affordability despite overall higher costs.

Memphis: Memphis stands out for its low housing costs and abundant entertainment options. According to Numbeo, the cost of living in Memphis is significantly lower than the national average, especially in terms of rent and food prices. The city features attractions like Graceland and Beale Street, contributing to its appeal.
Chattanooga: Chattanooga is noted for its stunning natural beauty and affordability. Living costs in this city are also lower than the national average. Additionally, Chattanooga promotes a high quality of life with access to outdoor activities and cultural events. The city’s revitalized downtown attracts new residents each year.
Nashville (certain neighborhoods): While Nashville is known for its overall higher cost of living, specific neighborhoods like East Nashville and certain suburbs offer affordable options. The local music scene and thriving economy attract many. The city’s investment in public transport and infrastructure makes it appealing despite rising costs.
Jackson: Jackson provides a low cost of living with affordable housing and access to healthcare. The city’s economy is stable, with industries such as manufacturing and education. The local community emphasizes family-friendly activities, contributing to a pleasant living environment.
Morristown: Morristown’s cost-effective living conditions stem from low housing costs and a friendly, small-town atmosphere. The city has parks and recreational areas for families and outdoor enthusiasts. It also offers a close-knit community feel that appeals to many residents.

These cities illustrate Tennessee’s diverse living conditions and affordability. Each offers unique benefits that can influence one’s choice based on personal preferences and lifestyle needs.

What Factors Influence the Cost of Living in These Cities?

The cost of living in cities is influenced by various interconnected factors that dictate how much individuals and families must spend to maintain a standard lifestyle.

Housing costs
Utility expenses
Transportation costs
Food prices
Health care costs
Employment rates
Local taxes
Quality of schools
Crime rates
Availability of amenities

Understanding these factors helps to analyze how they can vary significantly across different urban areas.

Housing Costs: Housing costs refer to the price of renting or purchasing property. This factor often represents the largest portion of living expenses. According to the U.S. Bureau of Labor Statistics (BLS), about 30% of a household’s budget typically goes to housing. For instance, cities like San Francisco have high housing costs due to demand, while areas like Detroit offer lower prices.
Utility Expenses: Utility expenses encompass costs for electricity, heating, cooling, water, and garbage collection. These costs can vary based on location and climate. For example, residents in warmer climates may pay more for air conditioning. According to a 2021 report from the Energy Information Administration, the average American household spends about $3,000 annually on utilities.
Transportation Costs: Transportation costs include public transport fares, gasoline, and vehicle maintenance. Cities with good public transit systems may allow residents to save on car expenses. A study from the American Public Transportation Association shows that households in transit-friendly areas can save thousands annually in transportation costs.
Food Prices: Food prices vary by region and can significantly affect the cost of living. Urban areas often have higher food costs due to demand and store proximity. A recent report from the USDA indicated that urban consumers can pay up to 20% more for groceries than those in rural areas.
Health Care Costs: Health care costs include insurance premiums, medical services, and prescription drugs. These costs can greatly differ by state and city. According to Kaiser Family Foundation data, states like Massachusetts have higher overall health care costs compared to states like Alabama.
Employment Rates: Employment rates refer to the percentage of the labor force that is employed. Higher employment rates in a city can lead to a higher cost of living as more people compete for limited resources. Conversely, cities with high unemployment may see lower living costs due to diminished demand.
Local Taxes: Local taxes, including property and sales taxes, can affect disposable income. For example, cities with high property taxes may drive up housing costs. A 2020 report by the Tax Foundation revealed that New Jersey has the highest property tax rate in the country, impacting overall living expenses.
Quality of Schools: The quality of local schools can influence housing prices and, consequently, the cost of living. Areas with highly-rated schools often see increased demand for housing, driving prices up. Research from GreatSchools shows that neighborhoods with quality schools can have home prices that are 10-15% higher.
Crime Rates: Crime rates can influence the desirability of a location. Higher crime rates may lead to lower housing prices, while safer neighborhoods usually command premium prices. According to FBI statistics, cities with declining crime rates often see an increase in property values and living costs.
Availability of Amenities: Amenities include parks, shopping centers, and recreational facilities. The presence of these amenities can enhance living quality but may also raise costs. Cities like New York and Los Angeles offer a wide array of amenities but at higher costs compared to less populous regions.

By analyzing these factors, one can understand how the cost of living varies across different urban environments, providing insight into economic and social dynamics.

How Do Rent Prices Compare Across Tennessee’s Most Affordable Cities?

The following table compares the average rent prices across some of Tennessee’s most affordable cities:

City	Average Rent Price (1 Bedroom)	Average Rent Price (2 Bedroom)	Median Household Income
Jackson	$900	$1,200	$45,000
Chattanooga	$1,050	$1,350	$50,000
Knoxville	$1,100	$1,400	$55,000
Nashville	$1,250	$1,600	$70,000
Memphis	$950	$1,250	$40,000

What Amenities and Services Are Available in Tennessee’s Cheapest Places?

The amenities and services available in Tennessee’s cheapest places often include affordable housing, basic healthcare, educational facilities, public parks, and community centers.

Affordable Housing
Basic Healthcare Services
Educational Institutions
Public Parks and Recreation Areas
Community Centers

These amenities highlight the essential services that enhance the quality of life for residents, though some may argue that more affluent areas offer additional features like specialized healthcare facilities and diverse recreational activities.

Affordable Housing:
Affordable housing refers to properties that are within the financial reach of low to moderate-income individuals. In Tennessee, cities such as Jackson and Dyersburg offer lower average rent prices compared to national trends. According to the U.S. Census Bureau, the median home value in Jackson is around $125,000, which is considerably lower than the national average. This affordability enables families to allocate funds toward other necessities.
Basic Healthcare Services:
Basic healthcare services include access to primary care physicians, clinics, and hospitals. In affordable Tennessee cities, residents often rely on community health clinics. For instance, the West Tennessee Healthcare system operates several facilities that provide essential services to low-income populations. According to the National Association of Community Health Centers (2020), community health centers serve over 29 million patients, proving essential in underserved areas.
Educational Institutions:
Educational institutions encompass public schools, colleges, and vocational training centers. Cities like Morristown and Milan provide access to several K-12 public schools and also have local community colleges. The Tennessee Promise program offers tuition-free community college for eligible students, boosting educational opportunities in economically challenged areas. Recent data from the National Center for Education Statistics shows that these initiatives have increased high school graduation rates in lower-income neighborhoods.
Public Parks and Recreation Areas:
Public parks and recreation areas offer residents space for outdoor activities and community gatherings. Many Tennessee towns maintain affordable park facilities, including walking trails, sports fields, and community gardens. The Tennessee Valley Authority states that green spaces contribute to a healthier lifestyle. For example, Dyersburg provides several parks that host community events and promote recreational activities for families.
Community Centers:
Community centers serve as hubs for social interaction and local events. They facilitate after-school programs, workshops, and fitness classes. In Memphis, the community centers are particularly valued for offering low-cost programs that foster community engagement. Research from the Urban Institute has shown that strong community centers can enhance social cohesion and promote a sense of belonging among residents.

Overall, while Tennessee’s cheapest places provide essential amenities and services, the choices may vary significantly based on the specific location and demographic needs.

What Healthcare Facilities and Educational Institutions Exist in These Areas?

The healthcare facilities and educational institutions vary significantly across different areas. They play pivotal roles in community health and education.

Types of Healthcare Facilities:
– Hospitals
– Urgent care centers
– Primary care clinics
– Specialty clinics
– Nursing homes
– Rehabilitation centers
– Community health centers
– Mental health facilities
Types of Educational Institutions:
– Public schools
– Private schools
– Charter schools
– Community colleges
– Universities
– Vocational training centers
– Adult education centers

The above healthcare facilities and educational institutions differ in their functions and the populations they serve.

Hospitals: Hospitals provide comprehensive medical care, including emergency services, surgeries, and specialized treatments. According to the American Hospital Association, over 6,000 registered hospitals serve the United States.
Urgent Care Centers: Urgent care centers offer immediate care for non-life-threatening conditions. They bridge the gap between primary care and emergency services. A 2020 study indicated that urgent care visits have risen by 25% in recent years due to their convenience.
Primary Care Clinics: Primary care clinics focus on general health maintenance and disease prevention. They are often the first point of contact for patients. The CDC notes that these clinics significantly contribute to improving overall health outcomes.
Specialty Clinics: Specialty clinics provide focused care for specific conditions such as cardiology or orthopedics. They offer tailored evaluations and treatments, which can be crucial for managing chronic conditions.
Nursing Homes: Nursing homes offer long-term care for elderly individuals or those needing assistance with daily activities. According to the National Center for Health Statistics, approximately 1.5 million Americans live in nursing homes.
Rehabilitation Centers: Rehabilitation centers specialize in recovery from illness, injury, or surgery. They provide physical, occupational, and speech therapy services.
Community Health Centers: Community health centers provide care to underserved populations. They often offer sliding scale fees based on income and emphasize preventive care.
Mental Health Facilities: Mental health facilities focus on treating mental health conditions. They provide services ranging from therapy to inpatient care. The National Alliance on Mental Illness reports that over 19% of U.S. adults experience mental illness.

Now, turning to educational institutions:

Public Schools: Public schools provide free education funded by government budgets. They typically follow state-mandated curricula.
Private Schools: Private schools charge tuition and often have more flexibility in their curricula. They may offer specialized programs such as religious education or advanced placement courses.
Charter Schools: Charter schools are publicly funded but operate independently. They can offer innovative educational programs.
Community Colleges: Community colleges provide accessible post-secondary education. They often offer two-year degrees and vocational training. According to the American Association of Community Colleges, over 12 million students are enrolled in community colleges nationally.
Universities: Universities offer undergraduate and graduate degrees. They provide a wide range of programs and are significant centers for research.
Vocational Training Centers: Vocational training centers focus on equipping students with specific skills for trades. They prepare students for immediate employment in industries such as plumbing or electrical work.
Adult Education Centers: Adult education centers offer programs for adult learners. These may include GED programs, language classes, and professional development courses.

Each facility and institution addresses critical community needs, enhancing health and education outcomes.

What Job Opportunities Can You Find in Tennessee’s Most Affordable Cities?

The job opportunities in Tennessee’s most affordable cities include diverse fields such as healthcare, education, manufacturing, hospitality, and technology.

Healthcare
Education
Manufacturing
Hospitality
Technology

These sectors showcase a variety of roles that cater to different skill sets and educational backgrounds, allowing for potential growth and advancement.

Healthcare:
The job opportunities in the healthcare sector range from nursing to administrative roles. Tennessee has a growing population that requires medical services. According to the Bureau of Labor Statistics, employment in healthcare is projected to grow much faster than the average for other sectors. Hospitals and clinics in cities like Memphis and Nashville frequently seek qualified professionals. Local universities provide training programs, which aid in meeting this demand.
Education:
The education sector offers employment opportunities in public and private schools, as well as higher education institutions. Tennessee’s commitment to improving education has led to hiring in roles such as teachers, administrators, and support staff. According to the Tennessee Department of Education, the state has been investing in educational initiatives to raise academic standards, creating more job openings. The presence of numerous universities leads to faculty and administrative roles, particularly in cities with large student populations.
Manufacturing:
Manufacturing remains a vital sector in Tennessee, with companies producing automotive parts, electronics, and consumer goods. The state ranks among the top in the nation for industrial employment. The Tennessee Department of Economic and Community Development highlights that more than 300,000 people work in manufacturing, with job growth occurring in cities like Chattanooga. This sector often provides good pay and benefits, attracting workers from various backgrounds.
Hospitality:
The hospitality industry flourishes in Tennessee, particularly due to its tourism appeal. Cities like Gatlinburg and Nashville welcome millions of visitors annually, creating jobs in hotels, restaurants, and attractions. According to the Tennessee Hospitality and Tourism Association, this sector is vital for the state’s economy. Full-time and seasonal positions abound, which can accommodate diverse work schedules and backgrounds.
Technology:
The technology sector in Tennessee is expanding, with a focus on software development, cybersecurity, and IT services. The presence of tech companies in cities like Nashville has spurred job creation. Organizations such as Launch Tennessee support startups and innovation, further driving employment opportunities. According to the Nashville Technology Council, companies seek skilled professionals, leading to competitive salaries and benefits.

These job opportunities in Tennessee’s affordable cities cater to a range of interests and skills, positioning the state as an appealing place for employment and growth.

How Can Living in Tennessee’s Cheapest Cities Impact Your Lifestyle?

Living in Tennessee’s cheapest cities can significantly enhance your lifestyle by providing financial flexibility, community engagement, and access to nature.

Financial flexibility: Lower housing costs in affordable cities allow residents to allocate more funds to savings and discretionary spending. According to a 2021 report by the Council for Community and Economic Research, the cost of living in cities like Jackson, TN, is 15% lower than the national average. This lower cost can lead to a greater sense of financial security and reduction in stress related to expenses.

Community engagement: Smaller, affordable cities often foster a strong sense of community. Residents can participate in local events and support small businesses. A study by the National Community Reinvestment Coalition in 2020 highlighted that engagement in local organizations and events can improve social cohesion, leading to overall satisfaction with life.

Access to nature: Many of Tennessee’s cheaper cities are surrounded by natural beauty. This gives residents opportunities for outdoor activities such as hiking, fishing, and camping, which contribute to physical and mental well-being. Research by the University of New Hampshire (2021) indicates that access to green spaces enhances quality of life and helps reduce stress.

Cultural experiences: Affordable cities often provide unique cultural experiences, from local music to art festivals. Living in such cities allows residents to experience diverse cultures without the high costs associated with larger urban centers. The Tennessee Arts Commission reported in 2022 that local arts contribute to community development and enhance cultural understanding.

Overall, residing in Tennessee’s cheapest cities can lead to a higher quality of life through improved financial health, strong community ties, and enhanced access to nature and culture.

What Resources Are Available for Finding Affordable Housing in Tennessee?

To find affordable housing in Tennessee, various resources and organizations provide assistance and information. These resources include government programs, local nonprofit organizations, online platforms, and state-specific housing authorities.

Government programs (e.g., Section 8, HOME Investment Partnerships Program)
Local nonprofit organizations (e.g., Habitat for Humanity, United Way)
Online housing platforms (e.g., Zillow, Apartments.com)
State housing authorities (e.g., Tennessee Housing Development Agency)
Community action agencies
Social media and community forums
Local real estate agents

These diverse resources cater to different needs and preferences, making it essential to explore multiple options to secure affordable housing.

Government Programs:
Government programs offer financial assistance for housing. For example, the Section 8 program provides housing vouchers to low-income families, which they can use to rent privately owned homes. According to the U.S. Department of Housing and Urban Development (HUD), this program helps approximately 2.2 million households in the United States. The HOME Investment Partnerships Program also supports local governments in creating affordable housing opportunities. Tennessee has seen significant investment through these federal programs, facilitating housing options for those in need.
Local Nonprofit Organizations:
Local nonprofit organizations play a vital role in creating affordable housing. Habitat for Humanity, for example, builds homes for low-income families at no profit and provides affordable financing options. United Way connects individuals to various community resources, supporting housing-related needs. As reported by Habitat for Humanity in 2021, they have built or rehabilitated more than 1,000 homes in Tennessee, showcasing their impactful work in addressing housing affordability.
Online Housing Platforms:
Online housing platforms offer comprehensive listings for renters and buyers seeking affordable options. Websites like Zillow and Apartments.com provide filters to search for properties within specific price ranges. Users can also view properties’ details, amenities, and neighborhood statistics. A 2020 survey by Apartment List showed that over 85% of renters utilized online platforms to find housing. This trend has made housing searches more accessible and efficient.
State Housing Authorities:
State housing authorities, such as the Tennessee Housing Development Agency (THDA), coordinate resources and programs to improve housing affordability. THDA offers various programs like down payment assistance and low-interest mortgages to assist first-time homebuyers. The agency reported that in 2022, more than 2,500 families benefited from their affordable housing programs, reflecting a commitment to making housing attainable.
Community Action Agencies:
Community action agencies provide critical support services, including housing counseling and assistance. These agencies help individuals navigate the affordable housing landscape and understand their options. They also help residents access financial education programs, aimed at improving their economic situations. According to the National Community Action Partnership, approximately 1,000 community action agencies in the U.S. actively support affordable housing initiatives.
Social Media and Community Forums:
Social media platforms and community forums can provide invaluable information about available housing options. Facebook groups, Reddit communities, and local neighborhood platforms often have postings about affordable rentals and homes for sale. These networks allow users to receive firsthand accounts from locals about housing experiences. Many individuals find hidden gems and landlord-to-tenant connections through these informal channels.
Local Real Estate Agents:
Local real estate agents are knowledgeable about the housing market in specific areas. They can provide insights into affordable neighborhoods and assist clients in negotiating favorable terms. Agents often have access to listings before they go public, giving clients a competitive advantage. According to the National Association of Realtors, 87% of buyers used an agent in their home search in 2022, highlighting the value of professional guidance in navigating the housing market.

Each of these resources contributes uniquely to the affordability landscape in Tennessee. By exploring multiple avenues, individuals can enhance their chances of securing suitable housing while accommodating their budgetary constraints.

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