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Cookeville, TN

Cost of living in White County, TN

Estimated monthly cost
$2,495/mo
for a single person, all categories combined

Population 27,764 · Last updated May 21, 2026

Cost breakdown

Single person, by category, per month.

Rent $765 31%
Healthcare $480 19%
Federal tax $367 15%
Transport $320 13%
Groceries $317 13%
Energy $191 8%
Water $55 2%
State tax $0 0%

Rent in White County

Fair Market Rents by bedroom count.

Studio
$760
per month
1 bedroom
$765
per month
2 bedroom
$1,003
per month
3 bedroom
$1,208
per month
4 bedroom
$1,433
per month

Source: HUD FMR FY2025

Income and earnings in White County

Annual earnings figures from the Census ACS.

Household income
$52,206
per year
Individual earnings
$32,508
per year
Per capita
$28,427
per year

Source: ACS 2019-2023 5-Year.

Home values in White County

Average values reported by homeowners.

Average home value
$190,200
Annual property tax
$809

Source: ACS 2019-2023 5-Year

Energy costs in White 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 White County

Insurance premiums and coverage rates.

Individual premium
$480
per month
Family premium
$1,350
per month
Uninsured rate
11.4%

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 White 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 White County

Commute patterns and estimated costs.

Average commute
25.1 min
Drive alone
83.9%
Public transit
0.0%
Work from home
7.6%

Source: ACS

Monthly cost estimates for White County

What it costs to live in White County each month.

Single person
$2,495
per month
  • Rent $765
  • Energy $191
  • Water $55
  • Groceries $317
  • Transport $320
  • Healthcare $480
  • Federal tax $367
  • State tax $0
Couple
$3,631
per month
  • Rent $1,003
  • Energy $229
  • Water $65
  • Groceries $525
  • Transport $420
  • Healthcare $864
  • Federal tax $525
  • State tax $0
Family
$5,961
per month
  • Rent $1,208
  • Energy $286
  • Water $75
  • Groceries $797
  • Transport $520
  • Healthcare $1,350
  • Childcare $1,200
  • Federal tax $525
  • State tax $0

Frequently asked questions about White County

Common questions about cost of living, rent and salary.

What is the average rent in White County?

In White County, TN, a one-bedroom apartment averages $765 per month, a two-bedroom averages $1,003 per month, a three-bedroom averages $1,208 per month, according to HUD Fair Market Rent data.

What is the average salary in White County?

In White County, TN, the average household income is $52,206 per year and individual earnings for full-time workers average $32,508 per year, according to U.S. Census Bureau data.

What is the cost of living in White County?

The estimated cost of living in White County, TN is approximately $2,495 per month for a single person, $3,631 for a couple, $5,961 for a family. This includes rent, utilities, groceries, transportation, healthcare, and taxes.

What is the sales tax rate in White County?

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

Is White County an affordable place to live?

Based on the data, a single person in White County, TN would need approximately $2,495 per month to cover rent, utilities, food, transport, healthcare, and taxes. The average household income is $52,206 per year ($4,351 per month). White County has a moderate cost of living relative to local earnings.

How much does healthcare cost in White County?

The ACA marketplace benchmark premium in White County, TN is approximately $480 per month for an individual. Approximately 11.4% of residents are uninsured. Actual costs vary based on employer coverage, plan type, and individual circumstances.

What are house prices in White County?

The average home value in White County, TN is $190,200, with average annual property taxes of $809, according to U.S. Census Bureau data.

How does White County compare to other areas?

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