Most affordable cities in Tennessee

Moving is just the first step towards your new life. After moving, you still need to build your life up in your new home. And to do that, you must be able to afford your new place of living. So choosing where to move to is a huge deal when you have a limited budget. To help you decide, Spyder Moving Services has compiled a list of the most affordable cities in Tennessee for all our budget conscious clients. Give your wallet a break and choose one of these places for your new home!

What is Tennessee like in general?

If you need Tennessee long distance movers because you’re moving from somewhere far away, the odds are that you don’t know much about living in Tennessee in general. So what is Tennessee like? Well, for starters, Tennessee is still considered to be a southern state. That is mainly true, although bigger cities tend to be quite liberal and areas of the state closer resemble the North. Still, you can count on that good old Southern hospitality and charm!

Guitar and whiskey.
Whiskey and music are two quintessentially Tennessee things.

Tennessee cities are growing, which can make the traffic a bit heavy. But large portions of the state are still rural and wild. That opens up opportunities for exploring caves and mountains in case you are an adventurous type of person. If that’s not your thing, you can enjoy numerous music festivals across the country instead. And Tennessee has something for the history buffs and literature nerds too with countless museums and book clubs. Prospective students will also be happy to know that Tennessee education is both of excellent quality and highly affordable. The colorful food scene is, of course, open to everyone!

What are the most affordable cities in Tennessee?

Tennessee is a pretty affordable state in general. But even when moving to Tennessee, some places stand out. So if you’re trying to be particularly budget conscious, these are the most affordable cities in Tennessee that you should be looking at!


Manchester is a small town of just over 10,000 residents. Located in Coffee County, it is right between Nashville and Chattanooga. So when you’re missing those big city vibes, take a bit of a ride down Interstate 24 and visit Nashville for a bit of fun! The rest of the time, however, you will enjoy this peaceful and friendly town. With the median income of $48,280 and a median home value barely more than twice that ($112,100), Manchester will have you loosening your belt quickly!

Highway from above.
Nashville is just a short ride away from Manchester.


Smyrna has long been a popular destination for the residential moving of senior citizens. And there’s a good reason for that! Not only is the cost of living incredibly low, but the town also has some of the lowest property taxes in the state, making it one of the most affordable cities in Tennessee. Don’t let the image of a small town full of retirees full you though. Smyrna has been growing and attracting many new employers in recent years. It even has its own community college! And when that’s not enough, downtown Nashville is only 30 minutes away.


Murfreesboro is an excellent place for everyone who wants to enjoy all the amenities of a big city without suffering the high prices of Nashville. Located just on the outskirts of Nashville, this affordable town boasts plenty of job opportunities, some of the best restaurants in the state, its own symphony orchestra and even the Stones River National Battlefield. The median income hovers around $50,000, and the median home value is approximately three times that. So your wallet will thank you for choosing it over the nearby Nashville!


It sounds unreal, but the city of Munford is not only one of the most affordable cities in Tennessee, but it’s also one of the best places to live in Tennessee! With just over 6,000 residents, this is a small and peaceful town that sees very little crime, unemployment, and poverty. The cost of living is meager, and the median home value is around $150,000. That’s quite affordable even before you learn that the median income is nearly $70,000! Overall, you can easily expect quite a good life on quite a low budget in Munford.


Another small but charming town that boasts high affordability is Humbolt, partially in Gibson and somewhat in Madison County. There are currently around 8,000 residents who are, in fact, a decline from the 2000 census. But we have a feeling that may change soon! The median income of approximately $35,500 seems low when you see it out of context, but the unbelievably low cost of living makes up for that. Just look at the median home value: it’s only $75,500!

How did we find the most affordable cities in Tennessee?

It may seem like looking for the most affordable cities in Tennessee is a simple matter of comparing prices. But that wouldn’t give you an accurate estimate. A much better way to compare takes into account the cost of living, the cost of housing, overall livability, and expected income! That gives you a much better idea of what kind of life you can expect and for which price.

Scanning a price tag.
Affordability is about more than the price tags.

Budget planning for the most affordable cities in Tennessee

What about after moving to one of the most affordable cities in Tennessee? How should you organize your home budget, and what can you expect to spend most of your money on? Well, Tennessee’s cost of living is in general lower than the national average. The biggest contributor to this is the housing prices, which are much lower than in most of the country.

Similarly, groceries, utilities, and entertainment are going to cost you less than most elsewhere in the United States. Another good thing is that Tennessee doesn’t have an income tax! Transportation, however, will be slightly more expensive than you’re used to. But it’s the healthcare that really drains the budget: the costs in Tennessee are far higher than the national average. So plan your budget in the most affordable cities in Tennessee according to these expectations.

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