Moving from Memphis to Chattanooga (2026)
Chattanooga has a COL index of 86 vs 83 for Memphis (100 = US average). Expect to pay about 4% more for the same lifestyle.
Key differences
Salary needed in Chattanooga to match your Memphis lifestyle
Based on the 4% cost of living increase between the two cities.
| Your salary in Memphis | Equivalent in Chattanooga |
|---|---|
| $40K | $41,446 |
| $50K | $51,807 |
| $60K | $62,169 |
| $75K | $77,711 |
| $80K | $82,892 |
| $100K | $103,614 |
| $120K | $124,337 |
| $150K | $155,422 |
Monthly budget at $75K — Memphis vs Chattanooga
| Expense | Memphis | Chattanooga |
|---|---|---|
| Monthly take-home | $4,741 | $4,741 |
| 1BR rent | $1,100 | $1,250 |
| Groceries | $357 | $357 |
| Transport | $55 | $45 |
| Utilities | $170 | $165 |
| Internet | $55 | $58 |
| Left after essentials | $3,004 | $2,866 |
Frequently asked questions
Is Chattanooga cheaper than Memphis?
No. Chattanooga has a cost of living index of 86 vs 83 for Memphis (100 = US average). That's about 4% more expensive.
How much will I save moving from Memphis to Chattanooga?
On a $75K salary, core expenses in Chattanooga run about $138/month more than Memphis. Factor this into your salary negotiation when relocating.
What salary do I need in Chattanooga to match my Memphis lifestyle?
To maintain the same purchasing power as $75,000 in Memphis, you'd need roughly $77,711/year in Chattanooga. 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