How much is the average mortgage in Kansas City?

The monthly mortgage payment for a median-priced home in Jackson County, Missouri (where much of Kansas City is located) is around $1,500, according to the National Association of Realtors®. But as a mortgage calculator shows, an average payment can fluctuate based on several factors, including the price of the home, the prevailing interest rate, and the term length of the loan.

Should I choose a 30-year or 15-year mortgage term?

Use a mortgage calculator to see how different mortgage term lengths affect your monthly costs, then choose the term that renders the monthly bill you can afford. You’ll want to make sure you aren’t compromising other areas of your finances to pay your mortgage. A 30-year term offers lower payments but higher overall interest. A 15-year term has higher payments but saves significantly on interest.

How can I get a lower mortgage interest rate?

To get a lower mortgage interest rate when initially applying for a mortgage, focus on improving your credit score, increasing your down payment, and shopping around for the best offers. A score of 700 or above can often lead to better rates. If you already have a mortgage and want to lower your rate, you will want to examine the pros and cons of a refinance, if current market rates are notably lower than when you made your home purchase, or if your credit score has improved significantly. If you explore a refinance, make sure you factor closing costs on the new loan into your list of pros and cons.

Can I afford a $500K house on a $100K salary?

Using a home affordability calculator shows that it’s unlikely that you could afford a $500,000 home on a $100,000 annual salary. A comfortable purchase budget for you would be in the neighborhood of $360,000. If you put down a 20% down payment on a $500,000 house, your monthly loan payment would be around $2,500 which would be a stretch on a $100,000 salary if you don’t have some other form of income.

Kansas City Metro Area Cost-of-Living Stats
Overall Cost of Living	91.1
Groceries	97.3
Housing	87.5
Utilities	105.8
Transportation	89.1
Health Care	84
Miscellaneous Goods/Services	89.2

Oct

2025

Cost of Living in Pennsylvania

By Dana Jennings Jelter | mortgage | Comments Off

Cost of Living in Pennsylvania

What’s the Average Cost of Living in Pennsylvania?

Average Cost of Living in Pennsylvania: $49,040 per year

When states are ranked by their cost of living, Pennsylvania is about midway down. According to the 2024 MERIC cost of living index, Pennsylvania is in 24th position, meaning it’s just slightly more expensive than Minnesota and slightly less expensive than Wyoming.

If you’re looking to live affordably in the Northeast, though, Pennsylvania may just be your best bet. MERIC data has neighboring New York at 47th on the list, and New Jersey, in 45th place, isn’t doing a whole lot better.

But what does that look like in practice?

According to the latest data from the Bureau of Economic Analysis, the total personal expenditure in Pennsylvania is $57,009 on average, broken down as follows:

Category	Average Annual Per-Capita Cost in Pennsylvania
Housing and Utilities	$9,146
Health Care	$9,609
Food and Beverage (nonrestaurant)	$4,201
Gas and Energy Goods	$1,471
All Other Personal Expenditures	$32,581

Next, we’ll look into the specifics of each of those categories.

Housing Costs in Pennsylvania

Average Housing Costs in Pennsylvania: $988 to $1,722 per month

When it comes to the cost of keeping a roof over your head, Pennsylvania is doing pretty well compared to nationwide prices. According to Zillow, the average home value in the commonwealth was $266,551 in March 2025, while the U.S. average home value was $357,138.

Of course, how much you pay for housing monthly will depend on what kind of housing you need — and where.

Here are the most recent Census figures on the state’s median monthly mortgage cost and rents. Following that, there’s a rundown of Zillow’s average home values by major metro, sorted from least to most expensive.

• Median monthly mortgage cost: $1,722

• Median studio rent: $988

• Median one-bedroom rent: $1,025

• Median two-bedroom rent: $1,226

• Median three-bedroom rent: $1,352

• Median four-bedroom rent: $1,493

• Median five-bedroom (or more) rent: $1,435

• Median gross rent: $1,197

Pennsylvania City	Average Home Value
Johnstown	$97,544
Altoona	$132,457
Pottsville	$134,864
New Castle	$141,258
Sunbury	$151,795
Scranton	$175,558
Erie	$182,540
Williamsport	$190,417
Philadelphia (Philadelphia Housing Market Trends)	$218,590
Pittsburgh	$225,618
Harrisburg	$245,209
Reading	$245,993
York	$256,430
Lebanon	$259,840
Chambersburg	$268,348
Allentown	$286,369
East Stroudsburg	$296,035
Gettysburg	$344,705
Lancaster	$355,439
State College	$388,426

Utility Costs in Pennsylvania

Average Utility Costs in Pennsylvania: $398 per month

Once you’ve got that roof taken care of, you still have to supply the home under it with power, water, possibly natural gas, and definitely cable and internet. (You don’t want to miss that Eagles game!)

Here’s how the average utility bill breaks down in Pennsylvania.

Utility	Average Pennsylvania Bill
Electricity	$143
Natural Gas	$103
Cable & Internet	$114
Water	$38

U.S. Energy Information Administration, Electric Sales, Revenue, and Average Price; Inspirecleanenergy.com; DoxoInsights, U.S. Cable & Internet Market Size and Household Spending Report; and Rentcafe.com, What Is the Average Water Bill?

Groceries & Food

Average Grocery & Food Costs in Pennsylvania: $278 per person, per month

Man (or woman, or child) can’t subsist on cheesesteak alone, tempting though it may be.

So how much does it cost to keep a family in groceries in Pennsylvania?

Above, we mentioned the Bureau of Economic Analysis’s $4,201 estimate for annual per-capita food and beverage expenditures. When you divide that figure by 12 months, you get about $350 per person — or $700 for a couple, or $1,400 for a family of four. (Of course, these numbers are not exact, and don’t account for the fact that children tend to eat less than adults, for example.)

The Council for Community and Economic Research’s 2024 Cost of Living Index provides more data on the cost of food in Pennsylvania. (As always, where you are in the state matters.)

Here’s how the grocery items index stacks up for different Pennsylvania metros, from least to most expensive.

Pennsylvania City	Grocery Items Index
Reading	96.9
Pittsburgh	97.7
Allentown	98.0
Scranton	98.8
Wilkes-Barre	99.1
Philadelphia	104.1

Transportation

Average Transportation Costs in Pennsylvania: $4,470 to $12,675 per year

Even as a greater percentage of us work from home, many more still commute to work every day — not to mention schlepping the kids to and from school, music lessons, or football practice.

While your specific annual transportation costs will vary greatly depending on what your family and situation look like, MIT’s Living Wage Calculator offers some excellent data on the cost of transportation in each state, including Pennsylvania. Here are the latest findings:

Family Makeup	Average Annual Transportation Cost
One adult, no children	$11,733
Two working adults, no children	$13,579
Two working adults, three children	$21,833

Health Care

Average Health Care Costs in Pennsylvania: $9,609 per year

Pennsylvanians are apt to spend slightly more on health care than housing each year. Health care costs average $9,609 per person, while housing and utilities average $9,146, according to the latest data from the Bureau of Economic Analysis.

That said, your health care expenditure will vary greatly depending on what kind of health insurance coverage you have and how often you need to seek medical attention. Your costs could be considerably lower — or higher.

Child Care

Average Child Care Costs in Pennsylvania: $904 to $1,437 or more per child, per month

Keeping the kiddos looked after is always a major line item in the monthly budget for parents, and people raising children in Pennsylvania will need to plan carefully to afford those costs.

Although your exact outlay can vary greatly depending on your child care plan, here are some average figures per CostofChildCare.org:

Type of Child Care	Average Cost Per Month, Per Child
Infant Classroom	$1,437
Toddler Classroom	$1,141
Preschooler Classroom	$904
Home-Based Child Care	$1,028

Need help finding the right child care program for your family? The Pennsylvania Department of Education offers a helpful, searchable online database of child care providers.

Taxes

Income Tax Rate in Pennsylvania: 3.07%

We all have federal income taxes to contend with — but your state income tax rate can vary significantly depending on where in the country you are.

Pennsylvania, unlike many other states in the nation, levies a single-rate tax. That means everyone pays the same rate, as long as they’re earning taxable income. According to the Tax Foundation’s 2025 report State Individual Income Tax Rates and Brackets, that rate is 3.07% — which is the fifth-lowest in the nation and lower than the top rates in all the neighboring states.

That said, keep in mind that the Pennsylvania sales tax rate is 6%, with additional percentages added in Allegheny County and Philadelphia.

Miscellaneous Costs

Now that we’ve covered all the must-haves, let’s talk about fun. How much does it cost to have fun in Pennsylvania?

Pennsylvanians spend $32,581 per year on costs other than housing, health care, groceries, and gas, as estimated by the Bureau of Economic Analysis. Here’s where some of those funds might be going (costs as of March 2025):

• A one-day ticket to Hersheypark, the candy-themed amusement destination that draws thousands of visitors to Hershey, Pennsylvania: $89.95 per person (though discounts are regularly available).

• Admission to the Philadelphia Museum of Art, chartered all the way back in 1876 and boasting more than 240,000 art objects: $30 per adult, which gets you two days of access to both the Philadelphia Museum of Art and the Rodin Museum.

• A tour of Frank Lloyd Wright’s famous and beautiful Fallingwater, a residential structure situated in the forested countryside southeast of Pittsburgh: $29 per person for a guided grounds tour, or $18 for a self-guided experience (though other, more expensive options are available, some of which include meals).

• A cheesesteak at Jim’s West, ranked Philly’s best spot for a cheesesteak in January 2025 by Eater: $12.

The good news is, there are plenty of free or nearly free diversions to tackle in Pennsylvania. In Philadelphia, the Liberty Bell is a must-see for any American. It’s open daily to visitors from 9am to 5pm and doesn’t require a ticket. Neither does another Philly attraction, the Edgar Allen Poe National Historic Site. If you’re looking for a rugged adventure, consider heading west toward Pine Creek Gorge, sometimes known as the Grand Canyon of Pennsylvania. This impressive natural landscape is loved by outdoor enthusiasts of all stripes, and there’s no cost to enjoy its bike paths and hiking trails.

How Much Money Do You Need to Live Comfortably in Pennsylvania?

Definitions of “comfortable” vary, so it’s impossible to say how much money you’d need to earn to feel comfortable in Pennsylvania (or anywhere else, for that matter).

Compared to many other states, though, Pennsylvania might be a relatively easy place to get by on a moderate salary. Case in point: The U.S. News and World Report Affordability Ranking puts it at No. 26, and, as mentioned above, MERIC slots it at 24th in the nation.

But to get by as cheaply as possible in Pennsylvania — or anywhere, for that matter — a lot of it has to do with where you settle.

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What Cities Have Low Cost of Living in Pennsylvania?

The 2024 Cost of Living Index, which we used to assess grocery costs, ranks major metros by overall cost of living, too.

Here are three of the least expensive communities in Pennsylvania to live in.

Wilkes-Barre

With a cost of living index of 89.2 (compared with Philadelphia’s 103.2), Wilkes-Barre might be a good option for those comfortable with a small to midsize city. Its population hovers around 44,500, while the area has all the basic urban resources you need. Scenically situated along the Susquehanna River and only minutes from the Lands at Hillside Farms, a working, educational dairy farm, this inexpensive town has a lot going for it.

Scranton

Wave hi to Jim and Pam from this accidentally famous northeastern Pennsylvania town – just 20 miles from Wilkes-Barre – where the cost of living index is 91.0. Along with being the setting of The Office, Scranton is also known for the Steamtown National Historic Site, which educates visitors on the history of locomotion and features preserved and restored trains more than a century old.

Reading

Best known for its role as a railroad hub during the Industrial Age, Reading has revamped many of its historic manufacturing buildings into office space and retail shops. The city’s vibrant arts scene includes the annual 10-day Berks Jazz Fest and the family-friendly, interactive GoggleWorks Center for the Arts. Meanwhile, Reading’s cost of living index is 95.1, meaning its roughly 95,000 residents spend about 5% less than the national average on their daily needs.

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If you’re drawn to the relatively low cost of living in Pennsylvania, as well as its historic and modern perks, you may want to put down roots there.

Looking for an affordable option for a home mortgage loan? SoFi can help: We offer low down payments (as little as 3% - 5%*) with our competitive and flexible home mortgage loans. Plus, applying is extra convenient: It's online, with access to one-on-one help.

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FAQ

Is Pennsylvania expensive to live in?

Pennsylvania’s cost of living is basically on par with the rest of the country. According to the most recent Bureau of Economic Analysis data, Keystone Staters’ total personal consumption expenditures total $57,009 per year, as compared to the national average of $56,202.

Where does Pennsylvania rank in cost of living?

According to MERIC, Pennsylvania holds the 24th spot in the 2024 Annual Average Cost of Living state ranking. Its index score is 95.1, just a tad under the national average of 100.0. Transportation and utilities nudge Pennsylvanians’ costs up a bit, though, with scores of 104.3 and 106.0, respectively.

Is it worth it to live in Pennsylvania?

Pennsylvania offers international food options, a diverse economy, few natural disasters, reasonable housing, and wallet-friendly costs compared to neighboring states. Traffic can be tough in big cities like Philadelphia and Pittsburgh, owing in part to aging roads and bridges, but those cities do provide public transit.

Photo credit: iStock/Sean Pavone
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Oct

2025

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By Wesley Yu | Uncategorized | Comments Off

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Pattern Group Inc

$300m
September 2025

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Company name: Pattern Group Inc.

Exchange: Nasdaq | $PTRN

Sector: Commercial Services

IPO Roll: Selling Group

Investor Relations: Visit site

About

Pattern Group, Inc. accelerates brands on global ecommerce marketplaces by leveraging proprietary technology and AI. It acquires inventory from brand partners to sell to consumers through online marketplaces, utilizing vast data sets, sophisticated machine learning, and AI models. The company optimizes and automates all levers of ecommerce growth for global brands, enabling full control over advertising, content management, logistics and fulfillment, pricing, forecasting, and customer service. Pattern Group was founded by David Wright and Melanie Alder in 2013 and is headquartered in Lehi, UT.

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Company name: Pattern Group Inc.

Exchange: Nasdaq | $PTRN

Sector: Commercial Services

IPO Roll: Selling Group

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StubHub Holdings

$800m
September 2025

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Company name: StubHub Holdings

Exchange: NYSE | $STUB

Sector: Retail Trade

IPO Roll: Selling Group

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About

StubHub Holdings, Inc. provides online ticket selling services. It also provides services for buyers and sellers of tickets for sports, concerts, theater, and other live entertainment events. The company was founded by Eric H. Baker in 2000 and is headquartered in New York, NY.

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Exchange: NYSE | $STUB

Sector: Retail Trade

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Via Transportation

$493m
September 2025

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Company name: Via Transportation

Exchange: NYSE | $VIA

Sector: Electronic Technology

IPO Roll: Selling Group

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Via Transportation, Inc. engages in the provision of public transportation systems. It offers its solutions to cities, transit agencies, transport operators, school districts, universities, and corporations. The company was founded by Daniel Ramot and Oren Shoval in 2012 and is headquartered in New York, NY.

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Company name: Via Transportation

Exchange: NYSE | $VIA

Sector: Electronic Technology

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Gemini Space Station

$425m
September 2025

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Company name: Gemini Space Station

Exchange: Nasdaq | $GEMI

Sector: Finance

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Gemini Space Station, Inc. is a holding company, which offers a mobile and web based crypto asset exchange platform, proprietary wallet infrastructure and custody solutions, over-the-counter trading solutions tailored to institutions and professionals, a digital art auction platform, a proprietary United States dollar backed stablecoin, and a credit card product that offers crypto asset rewards on customer purchases. The company was founded by Tyler Winklevoss and Cameron Winklevoss on February 4, 2025 and is headquartered in New York, NY.

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Company name: Gemini Space Station

Exchange: Nasdaq | $GEMI

Sector: Finance

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Klarna

$1.3b
September 2025

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Company name: Klarna

Exchange: NYSE | $KLAR

Sector: Finance

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Klarna Group Plc operates as an investment holding company. It provides an e-commerce payment solutions for merchants and shoppers. The firm connect an array of different financial services and commerce organizations, from PSPs, traditional banks, card networks and open banking providers, to commerce enablers, technology partners, in-store payments providers and shipping and return logistics providers. The company was founded by Gustav Erik Niklas Adalberth, Karl Anders Victor Jacobsson, and Sebastian Marcin Siemiatkowski in 2005 and is headquartered in London, the United Kingdom.

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Exchange: NYSE | $KLAR

Sector: Finance

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Bullish

$1.1b
August 2025

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Company name: Bullish

Exchange: NYSE | $BLSH

Sector: Finance

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Bullish engages in the management of a digital asset platform. It also offers market infrastructure and information services. The company was founded by Brendan Francis Blumer in 2020 and is headquartered in George Town, Cayman Islands.

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Exchange: NYSE | $BLSH

Sector: Finance

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C1 Fund

$60m
August 2025

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Company name: C1 Fund

Exchange: NYSE | $CFND

Sector: Finance

IPO Roll: Co-Manager

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C1 Fund Inc. is a non-diversified, closed-end investment fund designed to provide public market investors with access to late-stage, private companies in the digital asset and technology sectors.

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Company name: C1 Fund

Exchange: NYSE | $CFND

Sector: Finance

IPO Roll: Co-Manager

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C1 Fund Inc. is a non-diversified, closed-end investment fund designed to provide public market investors with access to late-stage, private companies in the digital asset and technology sectors.

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Figma

$1.2b

July 2025

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Company name: Figma

Exchange: NYSE | $FIG

Sector: Technology Services

IPO Roll: Selling Group

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Figma, Inc. is an AI-powered design platform that enables seamless collaboration across the entire product development lifecycle. Its products include FigJam, Figma Slides, Figma Design, Figma Draw, Dev Mode, Figma Sites, Figma Buzz and Figma Make. The company was founded by Dylan Joseph Field and Evan Darrow Wallace in 2012 and is headquartered in San Francisco, CA.

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Company name: Figma

Exchange: NYSE | $FIG

Sector: Technology Services

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MSC Income Fund

$85m
January 2025

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Company name: MSC Income Fund

Exchange: NYSE | $MSIF

Sector: Finance

IPO Roll: Selling Group

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MSC Income Fund is an investment company that provides debt and equity financing solutions to private U.S. companies. The fund focuses on middle and lower middle market businesses, supporting management buyouts, recapitalizations, growth financing, and acquisitions. It operates as a business development company (BDC) and aims to generate income and capital appreciation for investors.

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Company name: MSC Income Fund

Exchange: NYSE | $MSIF

Sector: Finance

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{/* Reddit */}

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$748m
March 2024

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Company name: Reddit

Exchange: NYSE | $RDDT

Sector: Communications

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Reddit, Inc. operates an entertainment, social networking, and news website where registered community members can submit content. It provides online news services where users can select and rank web content. The firm also offers a personalized filter on the day’s story, using previous votes to determine what new things the user might like to read. The company was founded by Steven Ladd Huffman and Alexis Ohanian on June 23, 2005 and is headquartered in San Francisco, CA.

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Company name: Reddit

Exchange: NYSE | $RDDT

Sector: Communications

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BrightSpring Health

$694m
January 2024

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Company name: BrightSpring Health Services

Exchange: Nasdaq | $BTSG

Sector: Health Services

IPO Roll: Co-Manager

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About

BrightSpring Health Services, Inc. engages in the provision of a platform of complementary health services delivering and pharmacy solutions for complex populations in home and community settings. It operates under the Pharmacy Solutions and Provider Services segments. The Pharmacy Solutions segment includes infusion and specialty pharmacy, and home and community pharmacy. The Provider Services segment is involved in home health care and community and rehab care. The company was founded in 1974 and is headquartered in Louisville, KY.

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Company name: BrightSpring Health Services

Exchange: Nasdaq | $BTSG

Sector: Health Services

IPO Roll: Co-Manager

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Instacart

$660m
September 2023

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Company name: Instacart

Exchange: Nasdaq | $CART

Sector: Retail Trade

IPO Roll: Co-Manager

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About

Maplebear, Inc. engages in the design and development of an online application that offers grocery delivery and pick-up services. The firm offers Instacart which enables users to connect with personal shoppers in the area who pick up and deliver groceries from local stores. The company was founded by Apoorva Mehta, Brandon Leonardo, and Max Mullen in 2012 and is headquartered in San Francisco, CA.

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Company name: Instacart

Exchange: Nasdaq | $CART

Sector: Retail Trade

IPO Roll: Co-Manager

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ARM Holdings

$5.6b
September 2023

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Company name: ARM Holdings

Exchange: Nasdaq | $ARM

Sector: Electronic Technology

IPO Roll: Selling Group

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Arm Holdings Plc engages in the licensing, marketing, research, and development of microprocessors, systems IP, graphics processing units, physical IP and associated systems IP, software, and tools. It operates through the following geographical segments: United Kingdom, United States, and Other Countries. The company was founded on November 12, 1990 and is headquartered in Cambridge, the United Kingdom.

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Sector: Electronic Technology

IPO Roll: Selling Group

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Oddity Tech

$425m
July 2023

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Company name: Oddity Tech

Exchange: Nasdaq | $ODD

Sector: Consumer Non-Durables

IPO Roll: Selling Group

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Oddity Tech Ltd. engages in the online retail sale of cosmetics and beauty products. Its products include lipsticks, makeup brushes, mascara, eyelash curlers, and makeup brush cleansers. The company was founded by Oran Holtzman and Shiran Holtzman-Erel on March 23, 2013 and is headquartered in Tel Aviv, Israel.

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Company name: Oddity Tech

Exchange: Nasdaq | $ODD

Sector: Consumer Non-Durables

IPO Roll: Selling Group

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NU Holdings

$2.6b
December 2021

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Exchange: NYSE | $NU

Sector: Finance

IPO Roll: Selling Group

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Nu Holdings Ltd. is a holding company, which engages in the provision of digital banking services. The company was founded by David Vélez Osorno, Cristina Helena Zingaretti Junqueira, and Adam Edward Wible on February 26, 2016 and is headquartered in George Town, Cayman Islands.

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Sector: Finance

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Rivian Automotive

$11.8b
November 2021

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Company name: Rivian Automotive

Exchange: Nasdaq | $RIVN

Sector: Consumer Durables

IPO Roll: Selling Group

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Rivian Automotive, Inc. engages in the design, development, and manufacture of category-defining electric vehicles and accessories. It operates through following segments: Automotive, Software and Services. The company was founded by Robert J. Scaringe in June 2009 and is headquartered in Irvine, CA.

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Company name: Rivian Automotive

Exchange: Nasdaq | $RIVN

Sector: Consumer Durables

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Oct

2025

Cost of Living in Tennessee

By Dana Jennings Jelter | mortgage | Comments Off

Cost of Living in Tennessee

What’s the Average Cost of Living in Tennessee

Average Cost of Living in Tennessee: $42,469 per year

If you’re planning to move to Tennessee, your monthly budget might get a nice break. Why? Tennessee is among the 10 most affordable states, at No. 10, according to MERIC data for 2024.

You could hop down to Mississippi (the fourth lowest cost of living among all 50 states and the District of Columbia), Alabama (fifth lowest), or Arkansas (sixth lowest), but Tennessee is more affordable than nearby states like Georgia, Kentucky, South Carolina, North Carolina, and Florida.

So what is the average cost of living in Tennessee? Total yearly personal consumption cost is $49,326, on average, according to the latest data from the Bureau of Economic Analysis. Here’s what you can expect to spend across major purchasing categories.

Category	Average Annual Per-Capita Cost in Tennessee
Housing and Utilities	$8,577
Health Care	$8,244
Food and Beverages (nonrestaurant)	$3,576
Gas and Energy Goods	$1,423
All Other Personal Expenditures	$27,506

That translates to $4,111 in average monthly expenses for a Tennessean.

Housing Costs in Tennessee

Average Housing Costs in Tennessee: $1,110 to $1,932 per month

Considering that Tennessee is one of the cheapest states to live in, it comes as no surprise that the average home value is below the national average. Zillow calculated the average home value as $316,501 in March 2025.

The latest census data and other industry sources give an idea of Tennessee’s monthly housing costs:

• Median monthly mortgage cost: $1,506

• Median studio rent: $1,174

• Median one-bedroom rent: $1,110

• Median two-bedroom rent: $1,154

• Median three-bedroom rent: $1,342

• Median four-bedroom rent: $1,667

• Median five-bedroom (or more) rent: $1,932

• Median gross rent: $1,214

To get a clearer picture of what the Tennessee housing market is like, these are typical home values in 20 major Tennessee cities, according to Zillow data from March 2025.

Tennessee City	Average Home Value
Memphis	$144,131
Dyersburg	$152,594
Jackson	$213,981
Lawrenceburg	$222,459
Greeneville	$228,468
McMinnville	$236,143
Kingsport	$241,090
Athens	$243,301
Morristown	$244,719
Tullahoma	$271,639
Johnson City	$279,301
Crossville	$292,242
Cleveland	$294,126
Shelbyville	$297,276
Cookeville	$297,813
Chattanooga	$302,628
Clarksville	$304,551
Knoxville	$351,445
Sevierville	$364,935
Nashville (Nashville Housing Market Trends)	$429,091

Utility Costs in Tennessee

Average Utility Costs in Tennessee: $364 per month

While not the most exciting expenses, utilities are a necessary one you’ll have to finance every month. Here’s what utilities tend to cost on a monthly basis in Tennessee.

Utility	Average Tennessee Bill
Electricity	$135
Natural Gas	$66
Cable & Internet	$125
Water	$38

Sources: U.S. Energy Information Administration, Electric Sales, Revenue, and Average Price; Inspirecleanenergy.com; DoxoInsights, U.S. Cable & Internet Market Size and Household Spending Report; and Rentcafe.com, What Is the Average Water Bill?

Groceries & Food

Average Grocery & Food Costs in Tennessee: $298 per person, per month

A major contributor to your cost of living will be your grocery spending. So how much might you spend on food if you move to Tennessee?

If Tennessee’s average annual (nonrestaurant) food cost per person is $3,576, that’s about $298 per month.

The Council for Community and Economic Research, which ranks the food costs in major American cities, indexed Tennessee cities’ grocery costs for 2024, from lowest to highest.

Tennessee City	Grocery Items Index
Morristown	94.8
Maury County	95.3
Cookeville	96.0
Jackson	96.1
Chattanooga	96.5
Memphis	98.8
Nashville	99.4
Knoxville	99.5

Transportation

Average Transportation Costs in Tennessee: $10,319 to $19,201 per year

Going to and fro can add up, especially if you have a big family. This is a basic breakdown of how annual transportation costs can vary based on family size in Tennessee, according to 2025 data from MIT’s Living Wage Calculator.

Family Makeup	Average Annual Transportation Cost
One adult, no children	$10,319
Two working adults, no children	$11,942
Two working adults, three children	$19,201

Health Care

Average Health Care Costs in Tennessee: $8,244 per person, per year

While the average annual per-person cost of health care in Tennessee is $8,244, according to the latest Bureau of Economic Analysis report, what you will actually spend on health care may look very different.

Health care spending is determined by location, medical needs, and coverage.

Child Care

Average Child Care Costs in Tennessee: $899 to $1,398 or more per child, per month

No matter what state you live in, child care is often a big expense.

Tennesseans may get help with the costs through the Smart Steps program.

Want to estimate your child care budget? Here are average monthly child care costs in Tennessee, according to the most recent data from CostofChildCare.org.

Type of Child Care	Average Cost Per Month, Per Child
Infant Classroom	$1,398
Toddler Classroom	$1,099
Preschooler Classroom	$899
Home-Based Family Child Care	$939

Taxes

Highest Marginal Tax Rate in Tennessee: None

Most states and the District of Columbia charge an income tax, but Tennessee does not, according to the Tax Foundation’s 2025 State Individual Income Tax Rates and Brackets report.

Other states where residents don’t have to pay a state income tax are Alaska, Florida, Nevada, New Hampshire, Washington, South Dakota, Texas, and Wyoming.

Miscellaneous Costs

Once you’ve tackled all of the necessary expenses, it’s time to enjoy yourself. If estimated personal expenditures are $27,506 per year, here’s what some of that fun spending might be going toward (costs are accurate as of March 2025):

• A family-friendly day for folks who love Dolly Parton and theme parks can be spent at Dollywood in Pigeon Forge: Tickets start at $92

• Music lovers can soak up some history at the Country Music Hall of Fame in Nashville: Tickets start at $29.95 for adults

• For even more music history, stop by Memphis’s Graceland, the former home of Elvis Presley: Entrance and tours start at $29 and go as high as $250

How Much Money Do You Need to Live Comfortably in Tennessee?

We all have our own idea of what it means to live “comfortably.” Your family size, income, lifestyle, and location can all influence how accessible a comfortable style of living is.

But to give you an idea of how easy it is to live in Tennessee, U.S. News & World Report’s Affordability Rankings, which compare each state’s average cost of living and housing costs to the national averages, put Tennessee in 18th place.

Remember that MERIC views the cost of living in Tennessee even more favorably, finding the state to have the tenth-lowest cost of living in the country.

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What City Has the Lowest Cost of Living in Tennessee?

If you’re eager to make a move to Tennessee but are on a budget, you’ll want to find the right spot to call home. These are the three major cities with the lowest cost of living, according to the Council for Community and Economic Research’s Cost of Living Index for 2024.

Knoxville

With a cost-of-living index of 86.4 (roughly 14% lower than the nationwide average), Knoxville is the most affordable major Tennessee city to live in, the council found. From museums to nightlife to fine dining, Knoxville offers a lot of bang for the buck.

Jackson

Next up is Jackson, with a cost-of-living index of just 88.1. You’ll hear Jackson referred to as Hub City. This city is located between Memphis and Nashville, which means you’ll have access to big-city amenities. Jackson is known for being the birthplace of rockabilly, so get ready to meet lots of music lovers.

Chattanooga

The third-most affordable city in Tennessee is Chattanooga, with a cost-of-living index of 88.6. Nicknamed “Scenic City” for the surrounding mountains, it’s a favorite of rock climbers. Family-friendly attractions and outdoor activities abound; the city also claims the world’s fastest internet broadband service.

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With Dolly, Elvis, rockabilly, and barbecue, the Volunteer State offers a taste of the South at an affordable price. If the low cost of living in Tennessee is appealing, you may find yourself thinking about houses.

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FAQ

How much money do you need to live comfortably in Tennessee?

How you define “comfortable” depends on your lifestyle, family, and location. Data from the Bureau of Economic Analysis shows that an average Tennesseean spends about $49,300 per year. If you want sufficient income plus a bit extra to build up your savings, a 50/30/20 budget would call for income of about $61,700 or more.

Does Tennessee have state income tax?

No. Tennessee is one of the nine states that levy no state income tax. But sales tax is high. According to the Tax Foundation, Tennessee has an average combined state and local sales tax rate of 9.56%, second only to Louisiana (10.12%).

Is moving to Tennessee a good idea?

From a financial standpoint, it depends. The average home value in Tennessee was $316,501 in March 2025, according to Zillow – that’s 11.4% lower than the national figure of 357,138. MERIC index data shows that utilities, transportation, and health care all come in at least 10% under the national average. Be careful, though: The Census Bureau estimates that Tennesseans’ median household income was $67,097 – 14.6% less than the national median of $78,538.

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2025

Cost of Living in Oregon

By Dana Jennings Jelter | mortgage | Comments Off

Cost of Living in Oregon

What’s the Average Cost of Living in Oregon?

Average Cost of Living in Oregon: $55,412 per year

Oregon may be one of the most beautiful states in the union, but unfortunately, it’s not one of the cheapest. Per MERIC’s 2024 cost of living index, Oregon is 38th.

Here’s how the individual cost categories break down, according to the Bureau of Economic Analysis’ Personal Consumption Expenditures by State report.

Category	Average Annual Per-Capita Cost in Oregon
Housing and Utilities	$10,005
Health Care	$9,155
Food and Beverage (nonrestaurant)	$4,933
Gas and Energy Goods	$1,311
All Other Personal Expenditures	$30,007

Housing Costs in Oregon

Average Housing Costs in Oregon: $1,251 to $2,080 per month

The typical home value in Oregon, per June 2024 data from Zillow, is $490,095 — whereas the average sale price of an existing home in the U.S. is $355,000, according to Zillow’s March 2025 data.

Of course, where in Oregon you live matters a great deal when it comes to the price of purchasing a home. Here’s what the breakdown looks like by city, with home values as of December 2024 from Zillow:

Oregon City	Typical Home Price
Portland	$541,122
Salem	$437,317
Eugene	$443,510
Medford	$423,760
Bend	$666,206
Albany	$404,010
Roseburg	$331,724
Corvallis	$539,345
Hermiston	$296,099
Grants Pass	$392,807
Klamath Falls	$283,426
Coos Bay	$336,220
Ontario	$342,698
Newport	$466,630
Astoria	$506,587
La Grande	$310,624
The Dalles	$385,820
Prineville	$455,748
Brookings	$462,177
Hood River	$678,577

Which metro area you’re in will also affect rent prices (spoiler alert: Portland, as cool as it is, is also spendy). Here are the average rent figures, per U.S. Census Bureau data:

• Median monthly mortgage cost: $2,080

• Median studio rent: $1,251

• Median one-bedroom rent: $1,280

• Median two-bedroom rent: $1,490

• Median three-bedroom rent: $1,783

• Median four-bedroom rent: $1,990

• Median gross rent: $1,481

Utility Costs in Oregon

Average Utility Costs in Oregon: $383 per month

Of course keeping a roof over your head is only one part of maintaining a household in Oregon — or anywhere else for that matter. From electricity to cable and internet, here are the average monthly utility costs in this part of the Pacific Northwest Wonderland.

Utility	Average Oregon Bill
Electricity	$118
Gas	$32
Cable & Internet	$117
Water	$94

Sources: U.S. Energy Information Administration, Electric Sales, Revenue, and Average Price; Statista.com, “Average monthly residential utility costs in the United States, by state”; DoxoInsights, U.S. Cable & Internet Market Size and Household Spending Report; and Rentcafe.com, What Is the Average Water Bill?

Groceries & Food

Average Grocery & Food Costs in Oregon: $411 per person, per month

No matter where you are, you’ve gotta fill your belly — and whether you’re into seafood or vegan fare, the eats are top-notch in Oregon.

But how much does the average person spend on groceries here?

As mentioned, the average per-capita grocery expenditure in Oregon is $4,933, the Bureau of Economic Analysis says. If you divide that by 12, it comes out to $411 per month, per person, depending on your appetites.

Again, of course, the exact figure also depends on where in the state you live. The Council for Community and Economic Research helpfully calculates the cost of living for major U.S. cities, usually ranking metro areas by the overall cost of groceries. Unfortunately, only two Oregon metro areas were studied in the latest data, which were Portland and Eugene. Portland’s grocery item index number was 107.2, and Eugene’s was 105.2, which are both fairly high numbers, though lower than Seattle’s 110.3.

To put that into perspective: According to the same data set, a half gallon of milk costs about $4.93 in the Portland area, while you can expect to pay $6.99 for a pound of ground beef.

Transportation

Average Transportation Costs in Oregon: $9,613 to $17,888 per year

Getting around is another important cost to factor in. While major cities like Portland have public transportation resources, there are many smaller, rural communities in this wide-open Western state that rely on personal vehicles to get around. Your exact yearly transportation cost will, of course, vary based on your circumstances, but here’s some helpful data as of February 2025 from the MIT’s Living Wage Calculator based on your family size and circumstances.

Family Makeup	Average Annual Transportation Cost
One adult, no children	$9,613
Two working adults, no children	$11,125
Two working adults, three children	$17,888

Health Care

Average Health Care Costs in Oregon: $9,155 per person, per year

Oregon is well known for its opportunities for outdoor recreation and sport — which can help people stay stronger and healthier but can also result in costly injuries.

Perhaps it makes sense, then, that the Bureau of Economic Analysis Personal Consumption Expenditures by State report estimates Oregon’s annual health care spending at $9,155, or about $763 per month, per person. Once again, your total actual costs will vary depending on your lifestyle, health, location, and family makeup.

Child Care

Average Child Care Costs in Oregon: $964 to $1,580 or more per child, per month

Caring for children is costly just about everywhere in this country, and Oregon is no exception.

The good news is, the exact amount you’ll pay will depend greatly on what kind of child care you’re seeking — and in Oregon, home-based family child care, or nannying, is counterintuitively one of the least expensive options.

Here’s some data from CostofChildCare.org:

Type of Child Care	Average Cost Per Month, Per Child
Infant Classroom	$1,580
Toddler Classroom	$1,375
Preschooler Classroom	$964
Home-Based Child Care	$1,085

Taxes

Highest Marginal Tax Rate in Oregon: 9.90%

Oregon is well known for its progressive social agendas, at least in its major cities — so it’s no surprise that it has one of the highest income tax burdens in the United States.

Oregon’s highest marginal tax rate is 9.90%, according to the Tax Foundation’s State Individual Income Tax Rates and Brackets for 2025. That’s higher than every state except New Jersey (10.75%), Hawaii (11%), and California (13.30%). Keep in mind that this figure does not include federal income tax.

Portland residents can also expect to receive a yearly bill for the Portland Arts Tax, a special fund that goes to support schoolteachers and arts-focused nonprofits in the state’s capital.

The bright side? There’s no sales tax in Oregon — even when you order things online from out of state.

Miscellaneous Costs

Enough of the pedestrian stuff. How much does it cost to have fun in Oregon?

As was touched on in the first section, the Bureau of Economic Analysis estimates the average per-capita personal expenditures in Oregon at $30,007 per year (what you spend after housing, food, health care, etc.). While the specifics depend on where you are and what you’re into, here’s where some of that dough might be going (costs accurate as of March 2025).

• Entrance fee to Crater Lake National Park, home of the deepest lake in America: $30 per vehicle for a seven-day pass in the summer ($20 in winter).

• Entry to the Portland Art Museum, the seventh-oldest in the United States: $25 per adult; children 17 and under get in free.

• A “Voodoo dozen” at Voodoo Donut in Portland: 13 donuts in their iconic pink bakery box, $29.50.

• Lift tickets to ski on Mount Bachelor: Starting at $99 (online) for a full-day adult pass, though it varies by day.

• Cheese curds at the TIllamook Creamery Cafe in Tillamook: $12 for fried cheddar delights. (A self-guided tour of the creamery is free.)

Of course, in a state known for its natural beauty, there are many wonderful recreation opportunities that are free of charge — or close to it. The vast network of hiking trails around Mount Hood and the Columbia River Gorge are generally free to enter, though you may need to purchase a parking pass depending on where the trailhead is, and permits may be required on popular trails during the high season.

Wandering along many of Oregon’s stunning beaches is also free (not counting the seafood you’re likely to enjoy while you visit the area), and Portland is known for its many well-manicured, free-to-enter parks, including 5,200-acre Forest Park, one of the largest urban green spaces in the nation.

How Much Money Do You Need to Live Comfortably in Oregon?

Definitions of “comfortable” vary, so it’s impossible to say how much money you’d need to earn to feel comfortable in Oregon (or anywhere else, for that matter).

But all things considered, Oregon is a fairly spendy state by any reckoning: U.S. News and World Report Affordability Ranking, ranks it 40th, on a scale from most to least affordable. MERIC positioned it two below at 38th, which is to say: Living comfortably in Oregon will likely require a decent income, or some budgetary creativity.

Of course, you can tip the scale in your favor by choosing a city with a lower cost of living.

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What City Has the Lowest Cost of Living in Oregon?

While the Council for Community and Economic Research only studied the Portland and Eugene metro areas in its latest cost of living index, good data exists on which Oregon cities have relatively low housing costs — which is, after all, one of the largest budget line items for most families.

According to 2024 data from Zillow, homes are costliest in Bend ($666,206), Portland ($541,122), and Hood River ($678,577) and least costly in the following three towns.

Klamath Falls

A drop-dead gorgeous city straddling two epic bodies of water, Klamath Falls is nestled right at the place where Upper Klamath Lake starts pouring itself into the Klamath River, which eventually runs all the way west to the Pacific Ocean at Klamath, California. You don’t have to go that far at all, however, to enjoy the epic view: The lake offers deep blues offset by the high desert landscape, and it’s even more beautiful when it’s rimmed in snow.

With a population of nearly 22,000, Klamath Falls is large enough to offer whatever resources you need but small enough to be comfortable — especially since the average home costs only $283,426.That’s less than half of the average home price in Portland … and you won’t have to deal with I-5 traffic.

Hermiston

In Hermiston, the average home value is $296,099, just slightly higher than the lowest city on our list. Located just south of the Columbia River, at the junction of I-84 and Highway 395, Hermiston is the largest city in eastern Oregon with 19,500 residents by last census estimate. Nearby Hat Rock was a landmark first journaled about by Lewis and Clark, and is now a state park. Known for its agriculture, Hermiston is famous for a special crop: watermelons. It’s now known as the Watermelon Capital of the World.

La Grande

Situated in the northeastern quadrant of Oregon, where the lush vegetation of the Columbia River Valley gives way to the sprawling high desert of the eastern part of the state, La Grande has the lowest-priced houses in the state, Zillow’s data shows. The average home in La Grande goes for about $310,624, the company says.

La Grande has excellent access to both the Umatilla National Forest and the Wallowa Mountains, both highly sought-out recreational zones for all manner of Oregon outdoors folk. It’s also home to Eastern Oregon University, which means that residents can bank on plenty of music, art, and culture making its way through town.

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The cost of living in Oregon? Not low in Portland and Bend, but fairly low in some small towns. The state’s natural beauty might be calling you west on your own version of the Oregon Trail to look for a new home.

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Cost of Living in Pennsylvania

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What’s the Average Cost of Living in Pennsylvania?

Average Cost of Living in Pennsylvania: $49,040 per year

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Cost of Living in Tennessee

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What’s the Average Cost of Living in Tennessee

Average Cost of Living in Tennessee: $42,469 per year

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Cost of Living in Oregon

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Average Cost of Living in Oregon: $55,412 per year

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$9,500^‡ cash back when you close.

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Get matched with a local
real estate agent and earn up to
$9,500^‡ cash back when you close.

Get matched with a local
real estate agent and earn up to
$9,500^‡ cash back when you close.