Cost of Living in Chattanooga, TN
Overall index: 84 (100 = US national average). Data source: US Census ACS 2023 & BLS OEWS 2025, 2025.
Overall Cost of Living Index
Cost Breakdown by Category
| Category | Index | vs US avg | Sample cost |
|---|---|---|---|
| Housing | 74 | -26% | $809 |
| Transportation | 103 | +3% | $3.50 |
| Food | 82 | -18% | $336 |
| Utilities | 87 | -13% | $133 |
| Healthcare | 87 | -13% | $96 |
Index 100 = US national average. Higher = more expensive.
Cost breakdown (visual)
Salary Calculator: What do you need to earn in Chattanooga?
A single adult living comfortably in Chattanooga, TN needs approximately $29,400 / year after taxes.
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Frequently Asked Questions
What is the cost of living in Chattanooga, TN?
The overall cost of living in Chattanooga, TN is 16% lower than the US national average (index: 84 where 100 = national average).
How much is rent in Chattanooga, TN?
Average rent for a 1-bedroom apartment in Chattanooga, TN is about $809/month.
Is Chattanooga, TN expensive to live in?
No, Chattanooga, TN is affordable (below national average).
What salary do I need to live in Chattanooga, TN?
A single adult needs roughly $29,400/year to cover basic living costs in Chattanooga, TN.