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Morristown, TN

Cost of living in Jefferson County, TN

Part of the Morristown Metro Area

Estimated monthly cost
$2,619/mo
for a single person, all categories combined

Population 55,835 · Last updated May 21, 2026

Cost breakdown

Single person, by category, per month.

Rent $825 32%
Healthcare $480 18%
Federal tax $431 16%
Transport $320 12%
Groceries $317 12%
Energy $191 7%
Water $55 2%
State tax $0 0%

Rent in Jefferson County

Fair Market Rents by bedroom count.

Studio
$820
per month
1 bedroom
$825
per month
2 bedroom
$1,069
per month
3 bedroom
$1,402
per month
4 bedroom
$1,751
per month

Source: HUD FMR FY2025

Income and earnings in Jefferson County

Annual earnings figures from the Census ACS.

Household income
$63,084
per year
Individual earnings
$36,414
per year
Per capita
$34,953
per year

Source: ACS 2019-2023 5-Year.

Home values in Jefferson County

Average values reported by homeowners.

Average home value
$210,000
Annual property tax
$990

Source: ACS 2019-2023 5-Year

Energy costs in Jefferson 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 Jefferson County

Insurance premiums and coverage rates.

Individual premium
$480
per month
Family premium
$1,350
per month
Uninsured rate
9.6%

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 Jefferson 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 Jefferson County

Commute patterns and estimated costs.

Average commute
28.3 min
Drive alone
84.8%
Public transit
0.3%
Work from home
5.5%

Source: ACS

Monthly cost estimates for Jefferson County

What it costs to live in Jefferson County each month.

Single person
$2,619
per month
  • Rent $825
  • Energy $191
  • Water $55
  • Groceries $317
  • Transport $320
  • Healthcare $480
  • Federal tax $431
  • State tax $0
Couple
$3,874
per month
  • Rent $1,069
  • Energy $229
  • Water $65
  • Groceries $525
  • Transport $420
  • Healthcare $864
  • Federal tax $702
  • State tax $0
Family
$6,332
per month
  • Rent $1,402
  • Energy $286
  • Water $75
  • Groceries $797
  • Transport $520
  • Healthcare $1,350
  • Childcare $1,200
  • Federal tax $702
  • State tax $0

Frequently asked questions about Jefferson County

Common questions about cost of living, rent and salary.

What is the average rent in Jefferson County?

In Jefferson County, TN, a one-bedroom apartment averages $825 per month, a two-bedroom averages $1,069 per month, a three-bedroom averages $1,402 per month, according to HUD Fair Market Rent data.

What is the average salary in Jefferson County?

In Jefferson County, TN, the average household income is $63,084 per year and individual earnings for full-time workers average $36,414 per year, according to U.S. Census Bureau data.

What is the cost of living in Jefferson County?

The estimated cost of living in Jefferson County, TN is approximately $2,619 per month for a single person, $3,874 for a couple, $6,332 for a family. This includes rent, utilities, groceries, transportation, healthcare, and taxes.

What is the sales tax rate in Jefferson County?

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

Is Jefferson County an affordable place to live?

Based on the data, a single person in Jefferson County, TN would need approximately $2,619 per month to cover rent, utilities, food, transport, healthcare, and taxes. The average household income is $63,084 per year ($5,257 per month). Jefferson County is relatively affordable compared to the national average.

How much does healthcare cost in Jefferson County?

The ACA marketplace benchmark premium in Jefferson County, TN is approximately $480 per month for an individual. Approximately 9.6% of residents are uninsured. Actual costs vary based on employer coverage, plan type, and individual circumstances.

What are house prices in Jefferson County?

The average home value in Jefferson County, TN is $210,000, with average annual property taxes of $990, according to U.S. Census Bureau data.

How does Jefferson County compare to other areas?

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