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Tennessee

Cost of living in Hardeman County, TN

Estimated monthly cost
$2,433/mo
for a single person, all categories combined

Population 25,477 · Last updated May 21, 2026

Cost breakdown

Single person, by category, per month.

Rent $685 28%
Healthcare $480 20%
Federal tax $385 16%
Transport $320 13%
Groceries $317 13%
Energy $191 8%
Water $55 2%
State tax $0 0%

Rent in Hardeman County

Fair Market Rents by bedroom count.

Studio
$681
per month
1 bedroom
$685
per month
2 bedroom
$899
per month
3 bedroom
$1,260
per month
4 bedroom
$1,332
per month

Source: HUD FMR FY2025

Income and earnings in Hardeman County

Annual earnings figures from the Census ACS.

Household income
$46,173
per year
Individual earnings
$33,579
per year
Per capita
$22,580
per year

Source: ACS 2019-2023 5-Year.

Home values in Hardeman County

Average values reported by homeowners.

Average home value
$116,800
Annual property tax
$762

Source: ACS 2019-2023 5-Year

Energy costs in Hardeman 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 Hardeman County

Insurance premiums and coverage rates.

Individual premium
$480
per month
Family premium
$1,350
per month
Uninsured rate
8.3%

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 Hardeman 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 Hardeman County

Commute patterns and estimated costs.

Average commute
33.3 min
Drive alone
80.0%
Public transit
1.9%
Work from home
7.3%

Source: ACS

Monthly cost estimates for Hardeman County

What it costs to live in Hardeman County each month.

Single person
$2,433
per month
  • Rent $685
  • Energy $191
  • Water $55
  • Groceries $317
  • Transport $320
  • Healthcare $480
  • Federal tax $385
  • State tax $0
Couple
$3,438
per month
  • Rent $899
  • Energy $229
  • Water $65
  • Groceries $525
  • Transport $420
  • Healthcare $864
  • Federal tax $436
  • State tax $0
Family
$5,924
per month
  • Rent $1,260
  • Energy $286
  • Water $75
  • Groceries $797
  • Transport $520
  • Healthcare $1,350
  • Childcare $1,200
  • Federal tax $436
  • State tax $0

Frequently asked questions about Hardeman County

Common questions about cost of living, rent and salary.

What is the average rent in Hardeman County?

In Hardeman County, TN, a one-bedroom apartment averages $685 per month, a two-bedroom averages $899 per month, a three-bedroom averages $1,260 per month, according to HUD Fair Market Rent data.

What is the average salary in Hardeman County?

In Hardeman County, TN, the average household income is $46,173 per year and individual earnings for full-time workers average $33,579 per year, according to U.S. Census Bureau data.

What is the cost of living in Hardeman County?

The estimated cost of living in Hardeman County, TN is approximately $2,433 per month for a single person, $3,438 for a couple, $5,924 for a family. This includes rent, utilities, groceries, transportation, healthcare, and taxes.

What is the sales tax rate in Hardeman County?

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

Is Hardeman County an affordable place to live?

Based on the data, a single person in Hardeman County, TN would need approximately $2,433 per month to cover rent, utilities, food, transport, healthcare, and taxes. The average household income is $46,173 per year ($3,848 per month). Hardeman County has a moderate cost of living relative to local earnings.

How much does healthcare cost in Hardeman County?

The ACA marketplace benchmark premium in Hardeman County, TN is approximately $480 per month for an individual. Approximately 8.3% of residents are uninsured. Actual costs vary based on employer coverage, plan type, and individual circumstances.

What are house prices in Hardeman County?

The average home value in Hardeman County, TN is $116,800, with average annual property taxes of $762, according to U.S. Census Bureau data.

How does Hardeman County compare to other areas?

You can compare Hardeman County, TN with any other US county using our comparison tool at /compare. Hardeman County is in Tennessee.

Other counties in Tennessee

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

See all counties in Tennessee

Compare Hardeman 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