Moving from Florida to Tennessee
Moving to Tennessee on the same salary raises your real buying power by 12.5%. Change the salary below to see your own numbers.
Equal salary in TN: $69,700
To keep the same lifestyle, you need about $69,700 in Tennessee to match $80,000 in Florida ($10,300 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 $80,000 | Florida | Tennessee |
|---|---|---|
| Federal income tax | $8,770 | $8,770 |
| Social Security + Medicare | $6,120 | $6,120 |
| State income tax | $0 | $0 |
| State payroll programs (UI, disability, paid leave, transit) | $0 | $0 |
| Take-home pay | $65,110 | $65,110 |
Key facts: Florida to Tennessee
- Median rent
- $1,812 → $1,284/mo
- Median home value
- $396,900 → $332,600
- Price level (U.S. = 100)
- 103.4 → 91.9
- Road distance
- ≈ 720 miles
- Natural hazard risk (FEMA)
- Among the highest → Above average
What changes when you move to Tennessee
- Neither state taxes wages, so your income and payroll taxes stay the same.
- BEA's housing price index is 35% lower in Tennessee. Median rent goes from $1,812 to $1,284 a month and the median home value from $396,900 to $332,600.
- Homeowners pay less property tax: the median bill is $1,488 in Tennessee vs $2,993 in Florida.
- The average home electric bill is $143 a month in Tennessee vs $156 in Florida (EIA 2024), about $153 a year less.
Who moves from Florida to Tennessee
In the latest IRS migration data (2022–2023), 12,505 households (21,857 people) filed their taxes in Tennessee after filing in Florida the year before. That makes Tennessee the #6 destination for people leaving Florida. These households reported an average adjusted gross income of $75,593. Going the other way, 9,475 households moved from Tennessee to Florida, a net gain of 3,030 households for Tennessee.
Five-year trend
Moves from Florida to Tennessee reached a five-year high in 2022–23, up 28% from 2018–19.
Source: IRS SOI state-to-state migration files, tax years 2018–19 to 2022–23.
Cost to move from Florida to Tennessee
Moving cost: $590–$8,200
Moving about 720 miles from Florida to Tennessee costs roughly $590 – $8,200, 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. | $590 – $2,170 |
| Moving container You pack and load; the company drives the container. | $1,400 – $3,180 |
| Full-service movers Packing, loading, transport and unloading. | $2,290 – $8,200 |
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 72 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 Florida to Tennessee
Car shipping: $770–$1,160
Shipping a sedan from Florida to Tennessee on an open carrier costs about $770–$1,160, typically 3–7 days in transit over about 720 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.
Florida vs Tennessee take-home pay at every salary
| Salary | Equal salary in TN | Take-home change | Take-home in FL | Take-home in TN |
|---|---|---|---|---|
| $50,000 | $44,100 | $0 | $42,355 | $42,355 |
| $75,000 | $65,400 | $0 | $61,593 | $61,593 |
| $100,000 | $87,500 | $0 | $79,180 | $79,180 |
| $150,000 | $131,500 | $0 | $113,791 | $113,791 |
| $250,000 | $219,000 | $0 | $183,182 | $183,182 |
Single filer, 2026 tax rules, standard deduction. "Equal salary" keeps the same after-tax buying power.
Cost of living: Florida vs Tennessee
| Measure | Florida | Tennessee |
|---|---|---|
| Overall price level (U.S. = 100) | 103.4 | 91.9 |
| Housing price index | 122.1 | 79.1 |
| Utilities price index | 90.1 | 72.1 |
| Goods price index | 98.1 | 96.2 |
| Median rent (monthly) | $1,812 | $1,284 |
| Median home value | $396,900 | $332,600 |
| Median property tax (yearly) | $2,993 | $1,488 |
| Electricity (residential) | 15.10¢/kWh | 14.07¢/kWh |
| State sales tax rate | 6% | 7% |
| Median household income | $77,735 | $71,997 |
Renting and buying: Florida vs Tennessee
| Measure | Florida | Tennessee |
|---|---|---|
| Income to rent the median home (30% rule) | $72,480 | $51,360 |
| Monthly cost to own the median home (20% down) | $2,559 | $2,002 |
| Income needed to buy the median home | $109,667 | $85,806 |
| Homeowners insurance (yearly median, homes with a mortgage) | $2,492 | $1,402 |
| Infant child care (center, yearly) | $13,011 | $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: Florida vs Tennessee
On an $80,000 salary, taxes, housing, electricity, one car and health insurance for one adult come to $50,629 a year in Florida and $43,553 in Tennessee if you rent: $7,076 less after the move. If you buy the median home, they come to $59,592 and $52,171 ($7,421 less).
Your yearly budget, before vs after
| Yearly cost | FL | TN | Change |
|---|---|---|---|
| Income and payroll taxes on $80,000, single filer | $14,890 | $14,890 | $0 |
| Electricity state average bill | $1,873 | $1,720 | -$153 |
| Car insurance one car, state average | $1,865 | $1,050 | -$815 |
| Gas 12,000 miles at 25 mpg | $2,061 | $1,953 | -$108 |
| Health insurance one adult, age 40, own plan before subsidies | $8,196 | $8,532 | +$336 |
| If you rent | |||
| Rent median, 12 months | $21,744 | $15,408 | -$6,336 |
| Total if you rent | $50,629 | $43,553 | -$7,076 |
| If you buy the median home (20% down) | |||
| Mortgage payment median home, 20% down, 6.95% | $25,222 | $21,136 | -$4,086 |
| Property tax median home | $2,993 | $1,488 | -$1,505 |
| Homeowners insurance state median, with a mortgage | $2,492 | $1,402 | -$1,090 |
| Total if you buy | $59,592 | $52,171 | -$7,421 |
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 $13,011 a year in Florida 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 Florida and Tennessee.
- How Tennessee taxes retirement income.
Frequently asked questions
How much salary do I need in Tennessee to live like I do in Florida?
An $80,000 salary in Florida works out to about $69,700 in Tennessee once 2026 federal and state taxes and BEA regional price levels are counted. At $100,000 it is about $87,500.
Will I pay less tax in Tennessee than in Florida?
No difference in income and payroll taxes on an $80,000 salary (18.6% of pay in Florida vs 18.6% in Tennessee). Property and sales taxes are shown separately.
How much does it cost to move from Florida to Tennessee?
For a 2–3 bedroom home over about 720 miles, expect roughly $590–$2,170 with a rental truck, $1,400–$3,180 with a moving container, or $2,290–$8,200 with full-service movers.
Are more people moving from Florida to Tennessee?
Moves from Florida to Tennessee reached a five-year high in 2022–23, up 28% from 2018–19.
How many people move from Florida to Tennessee?
IRS migration data for 2022–2023 show 12,505 households (21,857 people) moved from Florida to Tennessee, making Tennessee the #6 destination for people leaving Florida. 9,475 households moved the other way.
Is Tennessee cheaper than Florida?
Overall prices in Tennessee are 11.1% lower than Florida (BEA Regional Price Parities 2024). Median rent is $1,284 vs $1,812 a month.
Compare other moves
Where people from Florida actually move
- FL to Georgia 28,263 households
- FL to Texas 24,196 households
- FL to New York 22,011 households
- FL to North Carolina 20,553 households
- FL to California 14,113 households
- FL to Virginia 12,414 households
- FL to Pennsylvania 11,056 households
- FL to Ohio 10,564 households