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Nashville-Davidson--Murfreesboro--Franklin, TN

Cost of living in Sumner County, TN

Part of the Nashville Metro Area

Estimated monthly cost
$3,596/mo
for a single person, all categories combined

Population 200,553 · Last updated May 21, 2026

Cost breakdown

Single person, by category, per month.

Rent $1,650 46%
Federal tax $583 16%
Healthcare $480 13%
Transport $320 9%
Groceries $317 9%
Energy $191 5%
Water $55 2%
State tax $0 0%

Rent in Sumner County

Fair Market Rents by bedroom count.

Studio
$1,589
per month
1 bedroom
$1,650
per month
2 bedroom
$1,827
per month
3 bedroom
$2,308
per month
4 bedroom
$2,840
per month

Source: HUD FMR FY2025

Income and earnings in Sumner County

Annual earnings figures from the Census ACS.

Household income
$86,005
per year
Individual earnings
$45,725
per year
Per capita
$42,482
per year

Source: ACS 2019-2023 5-Year.

Home values in Sumner County

Average values reported by homeowners.

Average home value
$364,000
Annual property tax
$1,944

Source: ACS 2019-2023 5-Year

Energy costs in Sumner 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 Sumner County

Insurance premiums and coverage rates.

Individual premium
$480
per month
Family premium
$1,350
per month
Uninsured rate
7.6%

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 Sumner 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 Sumner County

Commute patterns and estimated costs.

Average commute
29.3 min
Drive alone
76.1%
Public transit
0.1%
Work from home
14.4%

Source: ACS

Monthly cost estimates for Sumner County

What it costs to live in Sumner County each month.

Single person
$3,596
per month
  • Rent $1,650
  • Energy $191
  • Water $55
  • Groceries $317
  • Transport $320
  • Healthcare $480
  • Federal tax $583
  • State tax $0
Couple
$5,008
per month
  • Rent $1,827
  • Energy $229
  • Water $65
  • Groceries $525
  • Transport $420
  • Healthcare $864
  • Federal tax $1,078
  • State tax $0
Family
$7,614
per month
  • Rent $2,308
  • Energy $286
  • Water $75
  • Groceries $797
  • Transport $520
  • Healthcare $1,350
  • Childcare $1,200
  • Federal tax $1,078
  • State tax $0

Frequently asked questions about Sumner County

Common questions about cost of living, rent and salary.

What is the average rent in Sumner County?

In Sumner County, TN, a one-bedroom apartment averages $1,650 per month, a two-bedroom averages $1,827 per month, a three-bedroom averages $2,308 per month, according to HUD Fair Market Rent data.

What is the average salary in Sumner County?

In Sumner County, TN, the average household income is $86,005 per year and individual earnings for full-time workers average $45,725 per year, according to U.S. Census Bureau data.

What is the cost of living in Sumner County?

The estimated cost of living in Sumner County, TN is approximately $3,596 per month for a single person, $5,008 for a couple, $7,614 for a family. This includes rent, utilities, groceries, transportation, healthcare, and taxes.

What is the sales tax rate in Sumner County?

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

Is Sumner County an affordable place to live?

Based on the data, a single person in Sumner County, TN would need approximately $3,596 per month to cover rent, utilities, food, transport, healthcare, and taxes. The average household income is $86,005 per year ($7,167 per month). Sumner County has a moderate cost of living relative to local earnings.

How much does healthcare cost in Sumner County?

The ACA marketplace benchmark premium in Sumner County, TN is approximately $480 per month for an individual. Approximately 7.6% of residents are uninsured. Actual costs vary based on employer coverage, plan type, and individual circumstances.

What are house prices in Sumner County?

The average home value in Sumner County, TN is $364,000, with average annual property taxes of $1,944, according to U.S. Census Bureau data.

How does Sumner County compare to other areas?

You can compare Sumner County, TN with any other US county using our comparison tool at /compare. Sumner 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 Sumner 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