Moving from Richmond to Chattanooga (2026)
Chattanooga has a COL index of 86 vs 98 for Richmond (100 = US average). You'd pay about 12% less for the same lifestyle.
Key differences
Salary needed in Chattanooga to match your Richmond lifestyle
Based on the 12% cost of living decrease between the two cities.
| Your salary in Richmond | Equivalent in Chattanooga |
|---|---|
| $40K | $35,102 |
| $50K | $43,878 |
| $60K | $52,653 |
| $75K | $65,816 |
| $80K | $70,204 |
| $100K | $87,755 |
| $120K | $105,306 |
| $150K | $131,633 |
Monthly budget at $75K — Richmond vs Chattanooga
| Expense | Richmond | Chattanooga |
|---|---|---|
| Monthly take-home | $4,378 | $4,741 |
| 1BR rent | $1,600 | $1,250 |
| Groceries | $369 | $357 |
| Transport | $70 | $45 |
| Utilities | $155 | $165 |
| Internet | $60 | $58 |
| Left after essentials | $2,124 | $2,866 |
Frequently asked questions
Is Chattanooga cheaper than Richmond?
Yes. Chattanooga has a cost of living index of 86 vs 98 for Richmond (100 = US average). That's about 12% cheaper.
How much will I save moving from Richmond to Chattanooga?
On a $75K salary, moving from Richmond to Chattanooga could save roughly $379/month on core expenses. That's ~$4,548/year.
What salary do I need in Chattanooga to match my Richmond lifestyle?
To maintain the same purchasing power as $75,000 in Richmond, you'd need roughly $65,816/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