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Cleveland, TN

Cost of living in Bradley County, TN

Part of the Cleveland Metro Area

Estimated monthly cost
$2,734/mo
for a single person, all categories combined

Population 109,743 · Last updated May 21, 2026

Cost breakdown

Single person, by category, per month.

Rent $922 34%
Healthcare $480 18%
Federal tax $449 16%
Transport $320 12%
Groceries $317 12%
Energy $191 7%
Water $55 2%
State tax $0 0%

Rent in Bradley County

Fair Market Rents by bedroom count.

Studio
$830
per month
1 bedroom
$922
per month
2 bedroom
$1,210
per month
3 bedroom
$1,579
per month
4 bedroom
$1,604
per month

Source: HUD FMR FY2025

Income and earnings in Bradley County

Annual earnings figures from the Census ACS.

Household income
$63,789
per year
Individual earnings
$37,531
per year
Per capita
$32,249
per year

Source: ACS 2019-2023 5-Year.

Home values in Bradley County

Average values reported by homeowners.

Average home value
$230,800
Annual property tax
$1,174

Source: ACS 2019-2023 5-Year

Energy costs in Bradley County

Estimated monthly electricity and gas costs.

Electricity
$147
per month · 13.4¢/kWh
Natural gas
$44
per month
Annual total
$2,292
per year

Source: EIA

Healthcare in Bradley County

Insurance premiums and coverage rates.

Individual premium
$480
per month
Family premium
$1,350
per month
Uninsured rate
10.3%

Source: ACS + national avg. Marketplace benchmark premiums are second-lowest Silver plan estimates and do not reflect employer plans, subsidies, or out-of-pocket costs. This is not healthcare advice.

Taxes in Bradley County

State and local tax rates for Tennessee.

No state income tax
Tennessee does not levy a personal income tax.
State sales tax
7.0%
Combined sales tax
9.6%
incl. average local

Tax rates change. Consult a qualified tax professional for advice on your specific situation. This is not tax advice.

Transportation in Bradley County

Commute patterns and estimated costs.

Average commute
23.1 min
Drive alone
79.0%
Public transit
0.0%
Work from home
8.7%

Source: ACS

Monthly cost estimates for Bradley County

What it costs to live in Bradley County each month.

Single person
$2,734
per month
  • Rent $922
  • Energy $191
  • Water $55
  • Groceries $317
  • Transport $320
  • Healthcare $480
  • Federal tax $449
  • State tax $0
Couple
$4,027
per month
  • Rent $1,210
  • Energy $229
  • Water $65
  • Groceries $525
  • Transport $420
  • Healthcare $864
  • Federal tax $714
  • State tax $0
Family
$6,521
per month
  • Rent $1,579
  • Energy $286
  • Water $75
  • Groceries $797
  • Transport $520
  • Healthcare $1,350
  • Childcare $1,200
  • Federal tax $714
  • State tax $0

Frequently asked questions about Bradley County

Common questions about cost of living, rent and salary.

What is the average rent in Bradley County?

In Bradley County, TN, a one-bedroom apartment averages $922 per month, a two-bedroom averages $1,210 per month, a three-bedroom averages $1,579 per month, according to HUD Fair Market Rent data.

What is the average salary in Bradley County?

In Bradley County, TN, the average household income is $63,789 per year and individual earnings for full-time workers average $37,531 per year, according to U.S. Census Bureau data.

What is the cost of living in Bradley County?

The estimated cost of living in Bradley County, TN is approximately $2,734 per month for a single person, $4,027 for a couple, $6,521 for a family. This includes rent, utilities, groceries, transportation, healthcare, and taxes.

What is the sales tax rate in Bradley County?

The combined sales tax rate in Bradley County, TN is 9.55%, which includes the Tennessee state rate of 7.00% plus an average local rate of 2.55%.

Is Bradley County an affordable place to live?

Based on the data, a single person in Bradley County, TN would need approximately $2,734 per month to cover rent, utilities, food, transport, healthcare, and taxes. The average household income is $63,789 per year ($5,316 per month). Bradley County has a moderate cost of living relative to local earnings.

How much does healthcare cost in Bradley County?

The ACA marketplace benchmark premium in Bradley County, TN is approximately $480 per month for an individual. Approximately 10.3% of residents are uninsured. Actual costs vary based on employer coverage, plan type, and individual circumstances.

What are house prices in Bradley County?

The average home value in Bradley County, TN is $230,800, with average annual property taxes of $1,174, according to U.S. Census Bureau data.

How does Bradley County compare to other areas?

You can compare Bradley County, TN with any other US county using our comparison tool at /compare. Bradley County is in the Cleveland, TN metro area.

Other counties in Tennessee

Browse the full list of counties in Tennessee, ranked by cost of living.

See all counties in Tennessee

Compare Bradley County with another area

Put two counties side by side to see how rent, taxes and everyday costs stack up.

About this data

All figures on this page come from official U.S. government sources, listed below.

  • HUD FMR FY2025
  • ACS 2019-2023 5-Year
  • EIA
  • ACS + national avg
  • ACS
  • USDA + BEA RPP
Methodology All data sources