Moving from Iowa to Tennessee
Your real buying power stays about the same (-0.9%). Change the salary below to see your own numbers.
Equal salary in TN: $75,800
To keep the same lifestyle, you need about $75,800 in Tennessee to match $75,000 in Iowa ($800 more), 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 $75,000 | Iowa | Tennessee |
|---|---|---|
| Federal income tax | $7,670 | $7,670 |
| Social Security + Medicare | $5,738 | $5,738 |
| State income tax | $2,198 | $0 |
| State payroll programs (UI, disability, paid leave, transit) | $0 | $0 |
| Take-home pay | $59,394 | $61,593 |
Key facts: Iowa to Tennessee
- Median rent
- $981 → $1,284/mo
- Median home value
- $227,300 → $332,600
- Price level (U.S. = 100)
- 87.8 → 91.9
- Road distance
- ≈ 650 miles
- Natural hazard risk (FEMA)
- Above average (62.8 → 77.8 of 100)
What changes when you move to Tennessee
- Tennessee has no state income tax on wages. At $75,000 you'd stop paying about $2,198 a year in Iowa income tax.
- BEA's housing price index is 21% higher in Tennessee. Median rent goes from $981 to $1,284 a month and the median home value from $227,300 to $332,600.
- Homeowners pay less property tax: the median bill is $1,488 in Tennessee vs $2,937 in Iowa.
- The average home electric bill is $143 a month in Tennessee vs $112 in Iowa (EIA 2024), about $381 a year more.
- Prices for everyday goods are 3% higher (BEA). The statewide sales tax rate is 7% in Tennessee vs 6% in Iowa, before local sales taxes.
Who moves from Iowa to Tennessee
In the latest IRS migration data (2022–2023), 618 households (996 people) filed their taxes in Tennessee after filing in Iowa the year before. That makes Tennessee the #15 destination for people leaving Iowa. These households reported an average adjusted gross income of $67,157. Going the other way, 461 households moved from Tennessee to Iowa, a net gain of 157 households for Tennessee.
Five-year trend
Moves from Iowa to Tennessee peaked in 2021–22 at 678 households, then fell 9% by 2022–23. That is still up 21% from 2018–19.
Source: IRS SOI state-to-state migration files, tax years 2018–19 to 2022–23.
Cost to move from Iowa to Tennessee
Moving cost: $550–$7,750
Moving about 650 miles from Iowa to Tennessee costs roughly $550 – $7,750, 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. | $550 – $1,960 |
| Moving container You pack and load; the company drives the container. | $1,350 – $3,030 |
| Full-service movers Packing, loading, transport and unloading. | $2,220 – $7,750 |
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 65 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 Iowa to Tennessee
Car shipping: $750–$1,120
Shipping a sedan from Iowa to Tennessee on an open carrier costs about $750–$1,120, typically 3–7 days in transit over about 650 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.
Iowa vs Tennessee take-home pay at every salary
| Salary | Equal salary in TN | Take-home change | Take-home in IA | Take-home in TN |
|---|---|---|---|---|
| $50,000 | $50,800 | +$1,248 | $41,107 | $42,355 |
| $75,000 | $75,800 | +$2,198 | $59,394 | $61,593 |
| $100,000 | $100,600 | +$3,148 | $76,032 | $79,180 |
| $150,000 | $150,000 | +$5,048 | $108,743 | $113,791 |
| $250,000 | $248,900 | +$8,848 | $174,334 | $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 Iowa, which narrows the gap shown.
Cost of living: Iowa vs Tennessee
| Measure | Iowa | Tennessee |
|---|---|---|
| Overall price level (U.S. = 100) | 87.8 | 91.9 |
| Housing price index | 65.3 | 79.1 |
| Utilities price index | 83.3 | 72.1 |
| Goods price index | 93.7 | 96.2 |
| Median rent (monthly) | $981 | $1,284 |
| Median home value | $227,300 | $332,600 |
| Median property tax (yearly) | $2,937 | $1,488 |
| Electricity (residential) | 15.93¢/kWh | 14.07¢/kWh |
| State sales tax rate | 6% | 7% |
| Median household income | $75,501 | $71,997 |
Renting and buying: Iowa vs Tennessee
| Measure | Iowa | Tennessee |
|---|---|---|
| Income to rent the median home (30% rule) | $39,240 | $51,360 |
| Monthly cost to own the median home (20% down) | $1,567 | $2,002 |
| Income needed to buy the median home | $67,151 | $85,806 |
| Homeowners insurance (yearly median, homes with a mortgage) | $1,421 | $1,402 |
| Infant child care (center, yearly) | $12,694 | $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: Iowa vs Tennessee
On a $75,000 salary, taxes, housing, electricity, one car and health insurance for one adult come to $37,685 a year in Iowa and $42,071 in Tennessee if you rent: $4,386 more after the move. If you buy the median home, they come to $44,715 and $50,689 ($5,974 more).
Your yearly budget, before vs after
| Yearly cost | IA | TN | Change |
|---|---|---|---|
| Income and payroll taxes on $75,000, single filer | $15,606 | $13,408 | -$2,198 |
| Electricity state average bill | $1,338 | $1,720 | +$382 |
| Car insurance one car, state average | $873 | $1,050 | +$177 |
| Gas 12,000 miles at 25 mpg | $2,084 | $1,953 | -$131 |
| Health insurance one adult, age 40, own plan before subsidies | $6,012 | $8,532 | +$2,520 |
| If you rent | |||
| Rent median, 12 months | $11,772 | $15,408 | +$3,636 |
| Total if you rent | $37,685 | $42,071 | +$4,386 |
| If you buy the median home (20% down) | |||
| Mortgage payment median home, 20% down, 6.95% | $14,444 | $21,136 | +$6,692 |
| Property tax median home | $2,937 | $1,488 | -$1,449 |
| Homeowners insurance state median, with a mortgage | $1,421 | $1,402 | -$19 |
| Total if you buy | $44,715 | $50,689 | +$5,974 |
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 $12,694 a year in Iowa 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 Iowa and Tennessee.
- How Tennessee taxes retirement income.
Frequently asked questions
How much salary do I need in Tennessee to live like I do in Iowa?
A $75,000 salary in Iowa works out to about $75,800 in Tennessee once 2026 federal and state taxes and BEA regional price levels are counted. At $100,000 it is about $100,600.
Will I pay less tax in Tennessee than in Iowa?
Yes, about $2,198 less a year in income and payroll taxes on a $75,000 salary (20.8% of pay in Iowa vs 17.9% in Tennessee). Property and sales taxes are shown separately.
How much does it cost to move from Iowa to Tennessee?
For a 2–3 bedroom home over about 650 miles, expect roughly $550–$1,960 with a rental truck, $1,350–$3,030 with a moving container, or $2,220–$7,750 with full-service movers.
Are more people moving from Iowa to Tennessee?
Moves from Iowa to Tennessee peaked in 2021–22 at 678 households, then fell 9% by 2022–23. That is still up 21% from 2018–19.
How many people move from Iowa to Tennessee?
IRS migration data for 2022–2023 show 618 households (996 people) moved from Iowa to Tennessee, making Tennessee the #15 destination for people leaving Iowa. 461 households moved the other way.
Is Tennessee cheaper than Iowa?
Overall prices in Tennessee are 4.7% higher than Iowa (BEA Regional Price Parities 2024). Median rent is $1,284 vs $981 a month.
Compare other moves
Where people from Iowa actually move
- IA to Illinois 4,586 households
- IA to Nebraska 3,156 households
- IA to Minnesota 2,819 households
- IA to Texas 2,432 households
- IA to Florida 2,080 households
- IA to Missouri 2,029 households
- IA to Wisconsin 1,768 households
- IA to Colorado 1,504 households