Cost of Living: Chattanooga, TN vs Concord, CA (2026)

Chattanooga

Tennessee
81
VS

Concord

California
187

Chattanooga is 57% cheaper than Concord.

$1,155/mo ↓ 48%
Median Rent
$2,226/mo ↑ 93%
$61,028/yr ↓ 44%
Median Income
$109,195/yr ↑ 79%
$259,200 ↓ 66%
Home Value
$755,900 ↑ 192%
$1,112/mo ↓ 51%
Owner Costs
$2,284/mo ↑ 105%
182,832
Population
124,260

Tax Comparison

0%
Income Tax
13.3%
7.0%
State Sales Tax
7.25%
0.64%
Property Tax
0.71%

Affordability

22.7%
rent-to-income
Affordability
24.5%
rent-to-income

Detailed Comparison

When comparing Chattanooga, TN and Concord, CA, the overall cost of living indices are 81 and 187 respectively (national median = 100). Rent is $1,071/month cheaper in Chattanooga, saving renters about $12,852/year.

Median household income is $48,167/year higher in Concord. Home values also differ significantly — the median in Chattanooga is $259,200 compared to $755,900 in Concord.

Tennessee has no state income tax, giving Chattanooga residents a significant tax advantage over California's 13.3% rate.

Frequently Asked Questions

Chattanooga vs Concord — common questions

Is Chattanooga or Concord cheaper to live in?
Based on our cost index, Chattanooga is cheaper to live in with an index of 81 compared to 187 (US average = 100).
What is the rent difference between Chattanooga and Concord?
Median rent in Chattanooga is $1,155/month and in Concord it's $2,226/month — a difference of $1,071/month.
Which city has higher income, Chattanooga or Concord?
Median household income is $61,028 in Chattanooga and $109,195 in Concord. Median household income is $48,167/year higher in Concord.
How do taxes compare between Tennessee and California?
Tennessee has 0% income tax, 7.0% sales tax, and 0.64% property tax. California has 13.3% income tax, 7.25% sales tax, and 0.71% property tax.
Should I move to Chattanooga or Concord?
It depends on your priorities. Chattanooga has a cost index of 81 with median rent of $1,155/mo, while Concord has a cost index of 187 with rent of $2,226/mo. Consider income potential, tax burden, and lifestyle preferences alongside raw cost data.
View Chattanooga details → View Concord details →

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