Cost of Living: Irving, TX vs Chattanooga, TN (2026)

Irving

Texas
102
VS

Chattanooga

Tennessee
81

Irving is 26% more expensive than Chattanooga.

$1,517/mo ↑ 31%
Median Rent
$1,155/mo ↓ 24%
$79,641/yr ↑ 30%
Median Income
$61,028/yr ↓ 23%
$287,300 ↑ 11%
Home Value
$259,200 ↓ 10%
$1,521/mo ↑ 37%
Owner Costs
$1,112/mo ↓ 27%
255,036
Population
182,832

Tax Comparison

0%
Income Tax
0%
6.25%
State Sales Tax
7.0%
1.6%
Property Tax
0.64%

Affordability

22.9%
rent-to-income
Affordability
22.7%
rent-to-income

Detailed Comparison

When comparing Irving, TX and Chattanooga, TN, the overall cost of living indices are 102 and 81 respectively (national median = 100). Rent is $362/month cheaper in Chattanooga, saving renters about $4,344/year.

Median household income is $18,613/year higher in Irving. Home values also differ significantly — the median in Irving is $287,300 compared to $259,200 in Chattanooga.

Frequently Asked Questions

Irving vs Chattanooga — common questions

Is Irving or Chattanooga cheaper to live in?
Based on our cost index, Chattanooga is cheaper to live in with an index of 81 compared to 102 (US average = 100).
What is the rent difference between Irving and Chattanooga?
Median rent in Irving is $1,517/month and in Chattanooga it's $1,155/month — a difference of $362/month.
Which city has higher income, Irving or Chattanooga?
Median household income is $79,641 in Irving and $61,028 in Chattanooga. Median household income is $18,613/year higher in Irving.
How do taxes compare between Texas and Tennessee?
Texas has 0% income tax, 6.25% sales tax, and 1.6% property tax. Tennessee has 0% income tax, 7.0% sales tax, and 0.64% property tax.
Should I move to Irving or Chattanooga?
It depends on your priorities. Irving has a cost index of 102 with median rent of $1,517/mo, while Chattanooga has a cost index of 81 with rent of $1,155/mo. Consider income potential, tax burden, and lifestyle preferences alongside raw cost data.
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