Cost of Living in Chattanooga, TN, United States

Updated On June 23, 2023

How Much Does It Cost to Live In Chattanooga, TN?

Chattanooga is the 4th largest city in Tennessee and the seat of Hamilton County.

Chattanooga has a bunch of history: namely, during the American Civil War, it was a major railroad station and at the center of a number of battles.

The cost of living in Tennessee is lower than in a lot of areas in the US, and there is no income tax here.

The cost of living in Chattanooga is one of the lowest in the country.

The city is great because it’s constantly changing and improving and it’s relatively close to both Nashville and Atlanta for pro sports, great shopping, and more history.

Cost of Living Index:
* Based on Research & User Data


Plenty of fast-food restaurants fill the town, although there are not as many in the suburbs as in the downtown area.

As for the prices, you can expect to eat in an inexpensive restaurant for no less than 12$.

A meal for two at a mid-range restaurant will cost you around 75$, while a pint of domestic beer will cost you around 7$.



When it comes to groceries, the sales tax in Chattanooga is kind of high, but if you move here, you are only 10 minutes from Georgia and can buy your groceries there and save a little.

And besides, you should try cooking sometimes – preparing your meals by yourself will cost you much less than eating out.



A well-maintained number of buses regularly drive around the city.

If you’re lucky, you might also catch one of CARTA’s smooth, quiet, and fuel-efficient Hybrid trams.

The bus fare is 3.50$ which is not that much cheaper than the taxi.

Most people use primarily taxi services in Chattanooga.



Chattanooga was the first city in the United States to have a citywide gigabit per second fiber internet network, and they now proudly call themselves a “Gig City.”

This means you’ll always have fast internet for around 56$ a month, and as for the rest of the utilities, for an apartment of 85m2, all basic utilities – including electricity, along with heating and cooling, water, gas, and garbage services – cost around 250.6$.

Sports and leisure


If you’re into staying fit by practicing fitness or going to the gym, becoming a member of a gym or a fitness club will cost you around 31$ a month in Chattanooga which is reasonable.

Going to the cinema costs nearly the same as it does in most popular European destinations – around 12$ per ticket.

Clothing and shoes


As with most American cities, most retail is in malls and shopping centers.

With over 200 stores, 30 eateries, and 17 theater screens, Hamilton Place Mall is a popular shopping facility in the Chattanooga area.

There are also two more great shopping malls (one in Hixon and Hamilton Place), where you can buy a pair of quality jeans like Levi’s for a bit more than 55.00$, and pair of sneakers like Nike for around 84.8$.

Rent per month


From a general point of view, taking into consideration the rest of the world – rent prices here are through the roof.

Don’t expect to find a cute apartment anywhere near the center for less than 1300$ – and that goes for one-bedroom apartments!

If you want to move in with your family in a larger apartment, then prepare to cash out at least 2,150.00 $.

Cost of Living Averages Table for Chattanooga, TN

*Note: All prices are indicated in USD.
Average Restaurant Prices
Meal (Inexpensive Restaurant)$16.50
Domestic Beer (0.5 Liter)$7.00
Water (0.33 Liter)$1.84
Average Market Prices
Milk (1 Liter)$1.07
Loaf Bread (500g)$3.37
Eggs (12)$5.16
Average Transport Prices
One Way Ticket$3.50
Monthly Pass$100.00
Average Utilities Prices
Basic (Water, Electricity, Garbage, Heating, Cooling)$250.6
1 min. of Prepaid Mobile Tariff Local$0.10
Internet (Unlimited Data, Cable/ADSL)$65.7
Average Leisure Prices
Fitness Club, Monthly Fee for 1 Adult$30.67
Tennis Court Rent (1 Hour)$17.5
Cinema, 1 Seat, International Release$11.38
Average Clothing Prices
1 Pair of Jeans (Levis 501 Or Comparable)$55.00
1 Summer Dress in a Chain Store (Zara, etc...)$21.00
1 Pair of Adidas Walking Shoes (Mid-Range)$84.8
Average Rent Prices
Apartment (1 bedroom) in City Center$1381.25
Apartment (1 bedroom) Outside of Center$1118.50
Apartment (3 bedrooms) in City Center$2150.00

How Does the Average Person Spend Their Money in Chattanooga, TN?

Rent is the biggest expense of anyone living in Chattanooga, along with food which is definitely one of the most expensive aspects of living in this city, if not the most expensive one.

Apart from food and rent, people spend a lot of money on transportation (and this includes gasoline expenses, taxi rides as well as car rental expenses) and restaurants – since there are many people who are used to eating all three of their meals in restaurants.

Utilities are also a big expense for an average person living in Chattanooga – as this is also a necessary expense, something that just has to be paid, like it or not.

Average Costs Breakdown


Chattanooga, TN: Average Salary, Minimum Wage & Mortgages

Salaries in Chattanooga are relatively high and make living here a very pleasant and comfortable experience since they enable the citizens of this city to pay for everything they need and have enough even for the things that aren’t necessities.

The minimum wage in Chattanooga is around 1,256.7$ – and though the prices are higher in this city too, this is still a reasonable amount of money that just goes in line with the high standard of living in Tennessee.

This city is definitely not the most expensive place to be and most people get by without any problems, but there are many US states that offer much better conditions.

Average Salary$4473.55
Minimum Wage$1256.7
Mortgage Interest Rate6.70%

Chattanooga Safety Overview

READ THE FULL REPORT: Chattanooga Safety Review

Safety Index:

Cost of Living by City in Chattanooga, TN

CityCost of Living Index
Albany, NY72.4
Albuquerque, NM72.4
Anchorage, AK72.4
Ann Arbor, MI72.4
Arlington, TX72.4
Asheville, NC72.4
Atlanta, GA72.4
Austin, TX72.4
Bakersfield, CA72.4
Baltimore, MD72.4
Bellevue, WA72.4
Bellingham, WA72.4
Berkeley, CA72.4
Birmingham, AL72.4
Boise, ID72.4
Boston, MA72.4
Boulder, CO72.4
Brooklyn, NY72.4
Buffalo, NY72.4
Burlington, VT72.4
Charleston, SC72.4
Charlotte, NC73.33
Chicago, IL72.4
Cincinnati, OH72.4
Cleveland, OH72.4
Columbia, SC72.4
Columbus, OH72.4
Dallas, TX72.4
Dayton, OH72.4
Denver, CO72.4
Des Moines, IA72.4
Detroit, MI72.4
El Paso, TX72.4
Eugene, OR72.4
Everett, WA72.4
Fayetteville, AR72.4
Fort Myers, FL72.4
Fort Wayne, IN72.4
Fort Worth, TX72.4
Fresno, CA74.2
Gainesville, FL74.2
Grand Rapids, MI74.2
Greensboro, NC74.2
Hartford, CT74.2
Honolulu, HI74.2
Houston, TX74.2
Huntsville, AL74.2
Indianapolis, IN74.2
Irvine, CA74.2
Jacksonville, FL74.2
Jersey City, NJ74.2
Kansas City, MO74.2
Knoxville, TN74.2
Las Vegas, NV74.2
Lexington, KY74.2
Little Rock, AR74.2
Long Beach, CA74.2
Los Angeles, CA74.2
Louisville, KY74.2
Lubbock, TX74.2
Madison, WI74.2
Memphis, TN74.2
Miami, FL74.2
Milwaukee, WI74.2
Minneapolis, MN74.2
Nashville, TN74.2
New Orleans, LA74.2
New York, NY74.2
Oakland, CA74.2
Oklahoma City, OK74.2
Olympia, WA74.2
Orlando, FL74.2
Peoria, IL72.4
Philadelphia, PA72.4
Phoenix, AZ72.4
Pittsburgh, PA72.4
Portland, ME72.4
Portland, OR72.4
Raleigh, NC72.4
Reno, NV72.4
Richmond, VA74.2
Rochester, NY74.2
Sacramento, CA74.2
Saint Louis, MO74.2
Saint Paul, MN74.2
Saint Petersburg, FL74.2
Salem, OR74.2
Salt Lake City, UT74.2
San Antonio, TX74.2
San Diego, CA74.2
San Francisco, CA74.2
San Jose, CA74.2
Santa Barbara, CA74.2
Santa Rosa, CA74.2
Seattle, WA74.2
Spokane, WA74.2
Springfield, MO74.2
Syracuse, NY74.2
Tacoma, WA74.2
Tallahassee, FL74.2
Tampa, FL74.2
Toledo, OH74.2
Tucson, AZ74.2
Tulsa, OK74.2
Vancouver, WA74.2
Virginia Beach, VA74.2
Washington, DC74.2
West Palm Beach, FL74.2
Wichita, KS74.2

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