Chattanooga, TN vs Phoenix, AZ
Moving from Chattanooga to Phoenix? Here's what changes — from your equivalent salary to housing ($326,370 → $448,352 median home) and taxes.
Chattanooga vs Phoenix at a glance
Bars scaled to the range across all 200 metros; labels show actual values.
To keep the same standard of living as $100,000 in Chattanooga, TN, you'd need about $113,347 in Phoenix, AZ (+$13,347).
Livability — Chattanooga, TN: 67 · Phoenix, AZ: 62 (0–100).
What your home budget buys
A $500,000 home budget gets you about 3,064 sqft in Chattanooga vs 2,063 sqft in Phoenix ($163 vs $242 per sqft).
Annual cost breakdown (at $100,000)
| Category | Chattanooga, TN | Phoenix, AZ | Difference |
|---|---|---|---|
| Housing | $18,360 | $20,904 | +$2,544 |
| Groceries | $4,704 | $4,919 | +$215 |
| Transportation | $3,130 | $3,960 | +$830 |
| Utilities | $1,608 | $1,668 | +$60 |
| Insurance | $2,200 | $1,800 | −$400 |
| Taxes | $4,907 | $7,280 | +$2,374 |
| Total | $34,908 | $40,531 | +$5,623 |
Side by side
| Metric | Chattanooga, TN | Phoenix, AZ |
|---|---|---|
| Cost-of-living index | 92.3 | 104.7 |
| Unemployment rate | 4.49% | 4.88% |
| Population growth (5-yr) | 2.9% | 6.7% |
| Air quality (median AQI) | 52 | 86 |
| Big Mac price (est.) | $5.25 | $5.96 |
| Median home price | $326,370 | $448,352 |
| Home price ÷ income | 5.0× | 5.6× |
| 1-yr home appreciation | 0.2% | -1.7% |
| Price per square foot | $163 | $242 |
| Median rent | $1,530 | $1,742 |
| Total tax burden (% income) | 7.6% | 9.5% |
| Combined sales tax | 9.55% | 8.38% |
| Capital gains tax | None | 2.50% |
| Property tax rate | 0.71% | 0.51% |
| Healthcare (annual) | $6,300 | $6,300 |
| Childcare (annual, infant) | $9,000 | $12,500 |
| Vehicle property tax | None | 1.68% |
| Avg commute (min) | 24 | 27 |
| Home insurance / yr | $2,200 | $1,800 |
| Auto insurance / yr | $1,600 | $1,900 |
| Flood insurance / yr | $700 | $550 |
| Earthquake insurance / yr | $350 | $100 |
| Electricity ¢/kWh | 14.9 | 15.5 |
| Gas $/gal | 2.95 | 3.60 |
| Violent crime /100k | 600 | 430 |
| Avg summer high °F | 89 | 104 |
| Avg winter low °F | 30 | 41 |
| Permit difficulty (1–5) | 2 | 2 |