Moving from Delaware to Tennessee
Moving to Tennessee on the same salary raises your real buying power by 16.6%. Change the salary below to see your own numbers.
Equal salary in TN: $75,400
To keep the same lifestyle, you need about $75,400 in Tennessee to match $90,000 in Delaware ($14,600 less), after 2026 taxes and local prices.
Single filer, W-2 salary, standard deduction.
These changes cover taxes, housing and electricity. Food, transport, healthcare, other spending and one-time moving costs are excluded. They are not total savings. State medians may differ from your neighborhood and current quotes.
| Tax on $90,000 | Delaware | Tennessee |
|---|---|---|
| Federal income tax | $10,970 | $10,970 |
| Social Security + Medicare | $6,885 | $6,885 |
| State income tax | $4,599 | $0 |
| State payroll programs (UI, disability, paid leave, transit) | $360 | $0 |
| Take-home pay | $67,186 | $72,145 |
Key facts: Delaware to Tennessee
- Median rent
- $1,530 → $1,284/mo
- Median home value
- $371,600 → $332,600
- Price level (U.S. = 100)
- 99.8 → 91.9
- Road distance
- ≈ 750 miles
- Natural hazard risk (FEMA)
- Among the highest → Above average
What changes when you move to Tennessee
- Tennessee has no state income tax on wages. At $90,000 you'd stop paying about $4,599 a year in Delaware income tax.
- Keeping a remote job with a Delaware employer? Delaware can still tax those wages under its convenience-of-the-employer rule unless your employer requires you to work elsewhere. See taxes the year you move.
- BEA's housing price index is 22% lower in Tennessee. Median rent goes from $1,530 to $1,284 a month and the median home value from $371,600 to $332,600.
Who moves from Delaware to Tennessee
In the latest IRS migration data (2022–2023), 200 households (323 people) filed their taxes in Tennessee after filing in Delaware the year before. That makes Tennessee the #15 destination for people leaving Delaware. These households reported an average adjusted gross income of $67,065. Going the other way, 156 households moved from Tennessee to Delaware, a net gain of 44 households for Tennessee.
Five-year trend
Moves from Delaware to Tennessee peaked in 2021–22 at 221 households, then fell 10% by 2022–23. That is still up 46% from 2018–19.
Source: IRS SOI state-to-state migration files, tax years 2018–19 to 2022–23.
Cost to move from Delaware to Tennessee
Moving cost: $600–$8,400
Moving about 750 miles from Delaware to Tennessee costs roughly $600 – $8,400, depending on how much of the work you hire out.
Distance between the states' population centers by road (estimate).
| Moving method | Typical range |
|---|---|
| Rental truck (DIY) Truck rental, taxes and fees. Add fuel, damage coverage, lodging and your time. | $600 – $2,260 |
| Moving container You pack and load; the company drives the container. | $1,410 – $3,250 |
| Full-service movers Packing, loading, transport and unloading. | $2,310 – $8,400 |
These ranges are based on summer (peak-season) quotes. A move between October and April usually costs less: peak prices run 20–30% higher.
A rental truck also burns about 75 gallons of fuel over this distance. One-way truck rental prices depend on direction: a truck headed where many people are moving often costs more than the same trip in reverse.
Ranges combine 198 published quote ranges on 22 interstate routes (moveBuddha, retrieved 2026-09-24) with 47 independent published prices from U-Pack, HireAHelper and Move.org, which raised the top of several ranges. They are not quotes; get at least three written estimates.
Alaska and Hawaii ranges come from published carrier rates and moving quotes, dated in each row (Matson's household-goods rates, U-Pack, Royal Hawaiian Movers). See how we estimate.
Shipping a car from Delaware to Tennessee
Car shipping: $790–$1,170
Shipping a sedan from Delaware to Tennessee on an open carrier costs about $790–$1,170, typically 3–7 days in transit over about 750 miles.
Modeled from 32 published 2026 route prices (SGT Auto Transport 'Ship a Car to Another State' sample routes, SGT Auto Transport cost calculator sample routes) plus published Hawaii and Alaska rates. SUVs cost about 25% more and enclosed carriers about 35% more. Not a quote.
Delaware vs Tennessee take-home pay at every salary
| Salary | Equal salary in TN | Take-home change | Take-home in DE | Take-home in TN |
|---|---|---|---|---|
| $50,000 | $43,200 | +$2,298 | $40,057 | $42,355 |
| $75,000 | $63,400 | +$3,909 | $57,684 | $61,593 |
| $100,000 | $83,700 | +$5,659 | $73,521 | $79,180 |
| $150,000 | $124,500 | +$9,159 | $104,632 | $113,791 |
| $250,000 | $206,900 | +$15,897 | $167,285 | $183,182 |
Single filer, 2026 tax rules, standard deduction. "Equal salary" keeps the same after-tax buying power.
At higher incomes, especially for homeowners, itemizing state and local taxes (deductible up to $40,400 in 2026) can lower your federal tax while you live in Delaware, which narrows the gap shown.
Cost of living: Delaware vs Tennessee
| Measure | Delaware | Tennessee |
|---|---|---|
| Overall price level (U.S. = 100) | 99.8 | 91.9 |
| Housing price index | 102.0 | 79.1 |
| Utilities price index | 103.8 | 72.1 |
| Goods price index | 96.2 | 96.2 |
| Median rent (monthly) | $1,530 | $1,284 |
| Median home value | $371,600 | $332,600 |
| Median property tax (yearly) | $1,750 | $1,488 |
| Electricity (residential) | 19.29¢/kWh | 14.07¢/kWh |
| State sales tax rate | 0% | 7% |
| Median household income | $87,534 | $71,997 |
Renting and buying: Delaware vs Tennessee
| Measure | Delaware | Tennessee |
|---|---|---|
| Income to rent the median home (30% rule) | $61,200 | $51,360 |
| Monthly cost to own the median home (20% down) | $2,200 | $2,002 |
| Income needed to buy the median home | $94,265 | $85,806 |
| Homeowners insurance (yearly median, homes with a mortgage) | $1,030 | $1,402 |
| Infant child care (center, yearly) | $16,617 | $13,126 |
Mortgage at the Freddie Mac 30-year average with 20% down, plus the median property tax and the median homeowners insurance that owners with a mortgage paid in 2024 (Census ACS). Premiums have risen in most states since then, so get quotes. See buying a home in Tennessee for other down payments.
Your yearly budget: Delaware vs Tennessee
On a $90,000 salary, taxes, housing, electricity, one car and health insurance for one adult come to $54,828 a year in Delaware and $46,518 in Tennessee if you rent: $8,310 less after the move. If you buy the median home, they come to $62,862 and $55,136 ($7,726 less).
Your yearly budget, before vs after
| Yearly cost | DE | TN | Change |
|---|---|---|---|
| Income and payroll taxes on $90,000, single filer | $22,814 | $17,855 | -$4,959 |
| Electricity state average bill | $1,810 | $1,720 | -$90 |
| Car insurance one car, state average | $1,462 | $1,050 | -$412 |
| Gas 12,000 miles at 25 mpg | $2,090 | $1,953 | -$137 |
| Health insurance one adult, age 40, own plan before subsidies | $8,292 | $8,532 | +$240 |
| If you rent | |||
| Rent median, 12 months | $18,360 | $15,408 | -$2,952 |
| Total if you rent | $54,828 | $46,518 | -$8,310 |
| If you buy the median home (20% down) | |||
| Mortgage payment median home, 20% down, 6.95% | $23,614 | $21,136 | -$2,478 |
| Property tax median home | $1,750 | $1,488 | -$262 |
| Homeowners insurance state median, with a mortgage | $1,030 | $1,402 | +$372 |
| Total if you buy | $62,862 | $55,136 | -$7,726 |
Taxes: 2026 federal and state rules, standard deduction. Rent, home value and property tax: Census ACS 2024 state medians. Mortgage: Freddie Mac 30-year average (6.95%, week of September 17, 2026).
State figures: EIA 2024 average residential power bill, NAIC 2023 auto insurance (average per car), Census ACS 2024 homeowners insurance (median for owners with a mortgage; premiums have risen since), AAA regular gas on September 23, 2026, and the KFF 2026 benchmark silver Marketplace premium. Job-based health coverage usually costs you less, and in 2026 incomes between 100% and 400% of the federal poverty level can get a premium tax credit.
Not included: sales tax (combined state and local rates are not in our data yet), food, car payments and other spending.
Child care is not in the totals. Full-time center care for one infant averages $16,617 a year in Delaware and $13,126 in Tennessee (Child Care Aware of America, 2024 state averages).
Cost of living in Tennessee cities: Nashville, Memphis, Knoxville, Chattanooga.
After you arrive in Tennessee
- Tennessee new resident checklist: driver license and vehicle registration deadlines.
- Taxes the year you move: part-year returns in Delaware and Tennessee.
- How Tennessee taxes retirement income.
Frequently asked questions
How much salary do I need in Tennessee to live like I do in Delaware?
A $90,000 salary in Delaware works out to about $75,400 in Tennessee once 2026 federal and state taxes and BEA regional price levels are counted. At $100,000 it is about $83,700.
Will I pay less tax in Tennessee than in Delaware?
Yes, about $4,959 less a year in income and payroll taxes on a $90,000 salary (25.3% of pay in Delaware vs 19.8% in Tennessee). Property and sales taxes are shown separately.
How much does it cost to move from Delaware to Tennessee?
For a 2–3 bedroom home over about 750 miles, expect roughly $600–$2,260 with a rental truck, $1,410–$3,250 with a moving container, or $2,310–$8,400 with full-service movers.
Are more people moving from Delaware to Tennessee?
Moves from Delaware to Tennessee peaked in 2021–22 at 221 households, then fell 10% by 2022–23. That is still up 46% from 2018–19.
How many people move from Delaware to Tennessee?
IRS migration data for 2022–2023 show 200 households (323 people) moved from Delaware to Tennessee, making Tennessee the #15 destination for people leaving Delaware. 156 households moved the other way.
Is Tennessee cheaper than Delaware?
Overall prices in Tennessee are 7.9% lower than Delaware (BEA Regional Price Parities 2024). Median rent is $1,284 vs $1,530 a month.
Compare other moves
Where people from Delaware actually move
- DE to Pennsylvania 3,885 households
- DE to Maryland 2,955 households
- DE to Florida 1,546 households
- DE to New Jersey 1,241 households
- DE to New York 914 households
- DE to Virginia 854 households
- DE to North Carolina 710 households
- DE to Texas 686 households