How Much Does It Really Cost to Live in Nashville in 2025? A Real-Life Breakdown

So, you're thinking about making the move to Nashville—but before you pack your cowboy boots and dream of hot chicken, let’s talk about what it actually costs to live here.

Spoiler alert: Nashville isn’t the “cheap Southern city” it used to be, but it’s still way more affordable than LA, NYC, or most of the West Coast. Whether you’re relocating, renting, or buying, this breakdown will give you a real-life look at what your wallet can expect in Music City.

🏡 Housing Costs in Nashville (2025)

Let’s start with the big one—housing.

• Average Home Price: $460,000–$525,000 (varies by neighborhood)

• Starter Home (3 bed/2 bath): $375,000–$450,000

• Luxury Home: $900,000+ (especially in places like Green Hills or Brentwood)

• Monthly Rent (2 bed apartment): $1,800–$2,400

• Rent for a House or Townhome: $2,400–$3,500+

  
  

👉 Pro tip: Nashville has amazing suburbs like Mount Juliet, Spring Hill, and Hendersonville, where you can get more house for your money without sacrificing proximity to the city.

🧾 Property Taxes & Utilities

• Property Tax Rate: ~ An average of about 0.65% of your home’s assessed value (way lower than California or New Jersey).

• Utilities (Electric/Water/Gas): $200–$350/month depending on season & home size

• Internet: $65–$100/month for high-speed options

  
  

🚗 Transportation Costs

Public transportation isn’t Nashville’s strong suit (yet), so most people drive.

• Gas Prices (2025 average): Around $3.20/gallon

• Car Insurance: ~$100–$150/month

• Parking: Free in the ‘burbs, but expect to pay in downtown or East Nashville

  
  

🛒 Groceries & Dining Out

• Groceries for Two: $500–$700/month

• Dining Out:

  • Casual lunch: $12–$18

  • Dinner for two at a nice spot: $80–$120

  • Hot chicken + sweet tea? Priceless... but technically around $15.

    
    

🍼 Childcare & School Costs

• Daycare: $1,000–$1,500/month per child

• Private Schools: $10,000–$25,000/year depending on the school

• Note: Public schools vary in quality by area, so where you live matters if you have kids.

  
  

🎶 Entertainment & Lifestyle

• Concerts at the Ryman or Bridgestone: $50–$250

• Titans or Preds tickets: $60–$150+

• Yoga or Gym Membership: $60–$120/month

• Live music cover charges: Sometimes free, sometimes $10–$20... always worth it.

  
  

💬 So... Is Nashville Affordable?

Compared to coastal cities? Yes.Compared to what it used to be? Not quite.

But here’s the deal: with no state income tax, relatively low property taxes, and a lifestyle full of community, charm, and country music, Nashville still offers a ton of value for what you pay.

And if you're smart about where you live and how you buy, you can absolutely make your money work harder here than in most major cities.

👋 Ready to Explore Homes in Nashville?

If you're relocating or just curious about how far your budget can go, we’d love to help.Schedule a free consult with The Harper Home Company—we’ll break down your options, neighborhoods, and hidden gems that fit your lifestyle.