Cost of Living in Nashville Tennessee (2025)

Nashville's cost of living in 2025 is approximately 10% higher than the national average, with housing and transportation being the most significant contributors. A typical family can expect to spend around $3,000 monthly, depending on lifestyle choices and location within the city.

Housing Costs in Nashville

Housing is the most substantial expense for residents of Nashville. In 2025, the average rent for a one-bedroom apartment in the city center is approximately $2,100 per month, while a similar apartment outside the city center averages $1,700 per month. Home prices have also surged, with the median home price reaching around $450,000, reflecting a 15% increase from the previous year.

To give you a clearer picture, here are some specifics:

1. Average rent for apartments:
   • City center: $2,100
   • Outside city center: $1,700
2. Median home price: $450,000
3. Home price increase since 2024: 15%

If you're considering moving to Nashville, it’s essential to track your housing expenses carefully. Tools like Fiscify can help you categorize these expenses and give you clearer visibility on your budget.

Transportation Expenses

Transportation costs in Nashville can vary widely based on your commuting habits. The average monthly public transportation pass costs around $80, while owning a car involves additional expenses like insurance, gas, and maintenance. In 2025, the average cost of car insurance in Nashville is about $1,200 per year, which translates to $100 per month.

Breakdown of Transportation Costs:

• Monthly public transport pass: $80
• Average car insurance: $100/month
• Gas prices: Approximately $3.30 per gallon

If you drive to work, you may want to calculate your monthly fuel expenses based on your commute distance. For example, if you drive 20 miles to work, at an average fuel efficiency of 25 miles per gallon, you can expect to spend about $120 on gas each month, assuming you fill up twice a month.

Groceries and Dining Out

Grocery prices in Nashville are relatively in line with the national average, but dining out can be a different story. In 2025, a typical monthly grocery bill for a family of four is estimated to be around $800. If you enjoy dining out, the average meal at a mid-range restaurant costs about $20 per person.

Average Food Costs:

1. Monthly grocery bill for a family of four: $800
2. Average meal at a mid-range restaurant: $20
3. Coffee at a local café: $5

To manage these expenses effectively, consider using Fiscify for automatic spending reports and insights into your grocery and dining habits, helping you make more informed choices.

Healthcare and Insurance Costs

Healthcare costs can significantly impact your budget. In Nashville, the average monthly premium for health insurance in 2025 is approximately $450 for an individual. Out-of-pocket expenses, including copays and prescriptions, can add an additional $100 per month on average.

Healthcare Cost Breakdown:

• Average monthly health insurance premium: $450
• Average monthly out-of-pocket expenses: $100
• Total average monthly healthcare cost: $550

By planning for these healthcare expenses, you can ensure that your budget remains balanced. Fiscify can help you keep track of these recurring costs, so you’re always aware of your financial commitments.

Education and Childcare

If you have children, education and childcare costs can be another substantial expense. In 2025, the average cost of daycare for infants in Nashville is around $1,200 per month. Public school systems are generally funded by local taxes, but private school tuition can range from $8,000 to $15,000 per year depending on the institution.

Key Education and Childcare Costs:

1. Average daycare cost for infants: $1,200/month
2. Average private school tuition: $8,000 - $15,000/year
3. Public school funding: Local taxes cover most costs

Understanding these expenses is crucial for families budgeting in Nashville. Fiscify can assist you in tracking education and childcare costs, ensuring they fit comfortably within your overall financial plan.

Conclusion

As you can see, the cost of living in Nashville, TN, in 2025 encompasses various aspects, including housing, transportation, groceries, healthcare, and education. By being proactive in budgeting and using tools like Fiscify to track your expenses, you can navigate these costs effectively and maintain financial stability in Music City.

Take the Next Step

• Cost of living by city
• Fiscify on Google Play
• Fiscify — free expense tracking

Educational content only — not tax or legal advice. Adjust all examples to your own situation.

Related guides

• Average Expenses in Seattle: A Realistic Monthly Budget
• Average Grocery Costs by US City: What Are You Paying?
• Average Monthly Expenses for a Family of 4 in the US
• Average Monthly Expenses in New York City (2025)
• Average Monthly Expenses in the United States: By Income Level

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Educational content only—not tax or legal advice.