Cost of Living in Germantown, TN
Overall index: 131 (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 | 127 | +27% | $1,232 |
| Transportation | 99 | -1% | $3.50 |
| Food | 194 | +94% | $795 |
| Utilities | 114 | +14% | $229 |
| Healthcare | 114 | +14% | $165 |
Index 100 = US national average. Higher = more expensive.
Cost breakdown (visual)
Salary Calculator: What do you need to earn in Germantown?
A single adult living comfortably in Germantown, TN needs approximately $45,850 / year after taxes.
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Frequently Asked Questions
What is the cost of living in Germantown, TN?
The overall cost of living in Germantown, TN is 31% higher than the US national average (index: 131 where 100 = national average).
How much is rent in Germantown, TN?
Average rent for a 1-bedroom apartment in Germantown, TN is about $1,232/month.
Is Germantown, TN expensive to live in?
Yes, Germantown, TN is considered expensive (index above national average).
What salary do I need to live in Germantown, TN?
A single adult needs roughly $45,850/year to cover basic living costs in Germantown, TN.