Chattanooga, TN

Cost of Living in Chattanooga, TN (2026): Rent, Utilities & Take-Home

$3,025/mo in Chattanooga. $2,568 left each month. Prices 8% below the US average.

Compare vs Chicago Rank metros from ChattanoogaHow we figure this

Monthly costs

Take-home $5,593/mo.

Taxes$1,364
Rent$1,137
Other living costs$1,888
Left over$2,568

Pay and tax, per year

Gross household pay: $83,490
Federal income tax: −$9,982
Social Security and Medicare: −$6,387
State income tax (TN): None
Take-home pay: $67,121
Effective tax rate: 19.6%

Living costs, per month

Rent, 1br: $1,137
Groceries: $368
Getting around: $554
Healthcare: $414
Utilities and internet: $230
Everything else: $322
Total spending: $3,025

Left over each month

$6,958 gross, minus $1,364 in tax and $3,025 in living costs.

$2,568

Average electric bill in Tennessee

About $119 a month for a household using 900 kWh. That is the EIA residential price for Tennessee in 2025, 13.22¢ per kWh. It is a state average, not a Chattanooga utility bill, and the utilities line in the monthly costs above already includes a modelled power cost.

Moving from Chattanooga

Chattanooga → Nashville · $107 more

Cost of Living in Chattanooga, TN (2026): Rent, Utilities & Take-Home

Monthly costs

Pay and tax, per year

Living costs, per month

Average electric bill in Tennessee

Moving from Chattanooga

Take-home by job in Chattanooga

Other Tennessee metros

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