Hermitage, TN vs. Madison, TN: Cost of Living Comparison (2025)
This article provides a cost of living comparison: Hermitage vs Madison. It is perfect for families relocating, professionals choosing between job offers, or anyone comparing the real-life cost of Hermitage vs Madison in 2025.
1. Housing Costs
Here’s how typical housing costs compare between Hermitage and Madison:
| Housing Type | Hermitage | Madison |
|---|---|---|
| 2BR Apartment (Rent) | $1,250 | $1,400 |
| 3BR House (Mortgage) | $1,600 | $1,850 |
🏆 Winner: Hermitage
2. Utilities and Energy Costs
In Hermitage, expect to pay around $180 per month for utilities like electricity, gas, water, and trash for a 2BR apartment. Madison utility bills are slightly higher, averaging $200 monthly.
Both cities have similar climates, so seasonal fluctuations in energy use are comparable. Look for off-peak usage plans from local providers to save.
🏆 Winner: Hermitage
3. Groceries and Daily Expenses
Grocery costs are very similar in Hermitage and Madison. A gallon of milk averages $3.50 in both cities, while a loaf of bread is around $2.75. Eating out is also comparable, with a meal at a mid-range restaurant costing about $45 for two people.
🏆 Winner: Tie
4. Taxes and Fees
Property tax rates are 0.75% in Hermitage and 0.80% in Madison. For a home assessed at $250,000, that’s a difference of $125 per year. City service fees and typical HOA dues are similar.
In Hermitage, HOA fees often include landscaping and trash pickup. Madison has more public transportation options, which can lower vehicle costs for some households.
🏆 Winner: Hermitage
5. Cost of Living Summary
| Category | Hermitage | Madison |
|---|---|---|
| Housing | $1,600 | $1,850 |
| Utilities | $180 | $200 |
| Groceries | $400 | $400 |
| Transportation | $200 | $180 |
| Taxes | $160 | $170 |
| Miscellaneous | $250 | $250 |
| Estimated Monthly Total | $2,790 | $3,050 |
All income figures are expressed in gross monthly income (pre-tax). A household moving from Madison to Hermitage might save $260 per month on housing and utilities alone.
6. Lifestyle Fit
While Hermitage offers more affordable housing, Madison provides better walkability and public transit. Commute times are similar, with most residents driving 20-30 minutes to downtown Nashville.
Hermitage averages 2°F cooler than Madison in the summer months. Both cities are relatively quiet, family-friendly suburbs.
7. Frequently Asked Questions
- Is Hermitage more affordable than Madison?
- Which city has lower rent prices?
- Where is it cheaper to buy a home?
- How do utility costs compare between Hermitage and Madison?
8. Conclusion
Overall, Hermitage offers a lower cost of living than Madison, especially for housing. It may be the better choice for budget-conscious families or those looking to buy a home. However, Madison’s walkability and transit options make it attractive for some lifestyles.
To dive deeper, read our Monthly Budget Examples for Hermitage Residents and Cost of Living in Hermitage (2025 Guide). These resources provide more details on typical expenses in the area.
Considering other Tennessee cities? Browse our cost of living comparisons for Nashville, Knoxville, Chattanooga, and more.