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Nashville-Davidson--Murfreesboro--Franklin, TN

Cost of living in Smith County, TN

Part of the Nashville Metro Area

Estimated monthly cost
$2,674/mo
for a single person, all categories combined

Population 20,196 · Last updated May 21, 2026

Cost breakdown

Single person, by category, per month.

Rent $798 30%
Federal tax $513 19%
Healthcare $480 18%
Transport $320 12%
Groceries $317 12%
Energy $191 7%
Water $55 2%
State tax $0 0%

Rent in Smith County

Fair Market Rents by bedroom count.

Studio
$793
per month
1 bedroom
$798
per month
2 bedroom
$1,047
per month
3 bedroom
$1,383
per month
4 bedroom
$1,388
per month

Source: HUD FMR FY2025

Income and earnings in Smith County

Annual earnings figures from the Census ACS.

Household income
$62,799
per year
Individual earnings
$41,429
per year
Per capita
$32,720
per year

Source: ACS 2019-2023 5-Year.

Home values in Smith County

Average values reported by homeowners.

Average home value
$224,500
Annual property tax
$1,047

Source: ACS 2019-2023 5-Year

Energy costs in Smith 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 Smith County

Insurance premiums and coverage rates.

Individual premium
$480
per month
Family premium
$1,350
per month
Uninsured rate
8.5%

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 Smith 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 Smith County

Commute patterns and estimated costs.

Average commute
32.0 min
Drive alone
81.7%
Public transit
0.0%
Work from home
7.7%

Source: ACS

Monthly cost estimates for Smith County

What it costs to live in Smith County each month.

Single person
$2,674
per month
  • Rent $798
  • Energy $191
  • Water $55
  • Groceries $317
  • Transport $320
  • Healthcare $480
  • Federal tax $513
  • State tax $0
Couple
$3,848
per month
  • Rent $1,047
  • Energy $229
  • Water $65
  • Groceries $525
  • Transport $420
  • Healthcare $864
  • Federal tax $698
  • State tax $0
Family
$6,309
per month
  • Rent $1,383
  • Energy $286
  • Water $75
  • Groceries $797
  • Transport $520
  • Healthcare $1,350
  • Childcare $1,200
  • Federal tax $698
  • State tax $0

Frequently asked questions about Smith County

Common questions about cost of living, rent and salary.

What is the average rent in Smith County?

In Smith County, TN, a one-bedroom apartment averages $798 per month, a two-bedroom averages $1,047 per month, a three-bedroom averages $1,383 per month, according to HUD Fair Market Rent data.

What is the average salary in Smith County?

In Smith County, TN, the average household income is $62,799 per year and individual earnings for full-time workers average $41,429 per year, according to U.S. Census Bureau data.

What is the cost of living in Smith County?

The estimated cost of living in Smith County, TN is approximately $2,674 per month for a single person, $3,848 for a couple, $6,309 for a family. This includes rent, utilities, groceries, transportation, healthcare, and taxes.

What is the sales tax rate in Smith County?

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

Is Smith County an affordable place to live?

Based on the data, a single person in Smith County, TN would need approximately $2,674 per month to cover rent, utilities, food, transport, healthcare, and taxes. The average household income is $62,799 per year ($5,233 per month). Smith County has a moderate cost of living relative to local earnings.

How much does healthcare cost in Smith County?

The ACA marketplace benchmark premium in Smith County, TN is approximately $480 per month for an individual. Approximately 8.5% of residents are uninsured. Actual costs vary based on employer coverage, plan type, and individual circumstances.

What are house prices in Smith County?

The average home value in Smith County, TN is $224,500, with average annual property taxes of $1,047, according to U.S. Census Bureau data.

How does Smith County compare to other areas?

You can compare Smith County, TN with any other US county using our comparison tool at /compare. Smith County is in the Nashville-Davidson--Murfreesboro--Franklin, 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 Smith 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