Augusta vs Chattanooga for Retirees (2026)
Scroll down for retirement income tax breakdown, healthcare estimates, and FAQ.
Full retirement cost breakdown
| Metric | Augusta Georgia | Chattanooga Tennessee |
|---|---|---|
| 1BR rent / month | $1,200Better | $1,250 |
| Median home price | $220KBetter | $275K |
| State income tax | 5.5% | NoneBetter |
| Sales tax (combined) | 8%Better | 9.5% |
| Monthly utilities | $162Better | $165 |
| Groceries index (US = 100) | 93Better | 94 |
| Est. healthcare / month | $425Better | $430 |
| Walk score (0–100) | 28 / 100Better | 28 / 100 |
| Overall COL index (100 = US avg) | 85Better | 86 |
Frequently asked questions
Which city is better for retirement — Augusta or Chattanooga?
Based on home prices, taxes on retirement income, walkability, and overall cost of living, Augusta scores better for retirees. Median home prices are $220K in Augusta vs $275K in Chattanooga. Augusta is approximately 1% cheaper overall. The best choice still depends on climate, healthcare access, and proximity to family.
Is retirement income taxed in Augusta or Chattanooga?
Tennessee has no state income tax, meaning Social Security, pension, and retirement account withdrawals are not subject to state tax. Georgia has a 5.5% state income tax rate. For retirees, this difference can save thousands annually.
What is the estimated monthly healthcare cost in Augusta vs Chattanooga?
Based on national average retiree healthcare spending (~$500/month) scaled by each city's cost-of-living index, estimated monthly healthcare costs are approximately $425 in Augusta and $430 in Chattanooga. That's a difference of ~$5/month, or ~$60/year. Actual costs vary based on your Medicare plan, supplements, and health needs.
Can I afford to retire in Augusta on a $50,000 annual income?
On a $50,000/year ($4,167/month) retirement income in Augusta, rent alone would consume approximately 29% of your budget (1BR rent ~$1,200/mo) and healthcare another ~10%. That leaves roughly 61% (~$2,542/mo) for groceries, transportation, and other expenses. This is generally considered manageable.
Which city is more walkable for retirees?
Augusta has a higher walk score (28 vs 28 out of 100). Walkability is increasingly important for retirees who want to reduce car dependence — a score above 70 means most daily errands can be done on foot. Augusta offers more independence without a car, which also reduces transportation costs.
$50K/year in Augusta has the same purchasing power as $51K/year in Chattanooga
Healthcare estimates based on national avg retiree spending (~$500/mo) scaled by COL index · State income tax rates from Tax Foundation · Data: Zillow, BLS, Numbeo · Q1 2026