Moving from Cincinnati to Memphis (2026)
Memphis has a COL index of 83 vs 87 for Cincinnati (100 = US average). You'd pay about 5% less for the same lifestyle.
Key differences
Salary needed in Memphis to match your Cincinnati lifestyle
Based on the 5% cost of living decrease between the two cities.
| Your salary in Cincinnati | Equivalent in Memphis |
|---|---|
| $40K | $38,161 |
| $50K | $47,701 |
| $60K | $57,241 |
| $75K | $71,552 |
| $80K | $76,322 |
| $100K | $95,402 |
| $120K | $114,483 |
| $150K | $143,103 |
Monthly budget at $75K — Cincinnati vs Memphis
| Expense | Cincinnati | Memphis |
|---|---|---|
| Monthly take-home | $4,522 | $4,741 |
| 1BR rent | $1,300 | $1,100 |
| Groceries | $369 | $357 |
| Transport | $65 | $55 |
| Utilities | $165 | $170 |
| Internet | $60 | $55 |
| Left after essentials | $2,563 | $3,004 |
Frequently asked questions
Is Memphis cheaper than Cincinnati?
Yes. Memphis has a cost of living index of 83 vs 87 for Cincinnati (100 = US average). That's about 5% cheaper.
How much will I save moving from Cincinnati to Memphis?
On a $75K salary, moving from Cincinnati to Memphis could save roughly $222/month on core expenses. That's ~$2,664/year.
What salary do I need in Memphis to match my Cincinnati lifestyle?
To maintain the same purchasing power as $75,000 in Cincinnati, you'd need roughly $71,552/year in Memphis. This is based on the overall COL index difference between the two cities.
Estimates based on Q1 2026 COL index and market data. Budget uses simplified federal/state tax rates at $75K. Zillow · BLS · Numbeo · For general guidance only