Franklin, TN vs. Nashville, TN: Cost of Living Comparison (2025)
Relocating to the Nashville area? Housing costs in Franklin average $400 less per month compared to Nashville proper. This cost of living comparison breaks down the key differences between Franklin vs Nashville in 2025, helping you decide which city fits your lifestyle and budget.
1. Housing Costs
The median home price in Franklin is $815,000 compared to $925,000 in Nashville as of 2025. Renting is also more affordable in Franklin:
| Housing Type | Franklin Monthly Rent | Nashville Monthly Rent |
|---|---|---|
| 2BR Apartment | $1,800 | $2,200 |
| 3BR House | $2,400 | $2,800 |
🏆 Winner: Franklin offers more affordable housing whether renting or buying.
2. Utilities and Energy Costs
Expect utility bills to average $180-220 per month in Franklin compared to $200-250 in Nashville. Both cities experience hot summers, so budget extra for AC May through September. Take advantage of off-peak energy plans to save.
🏆 Winner: Utility costs are comparable, but tend to be 10-15% lower in Franklin.
3. Groceries and Daily Expenses
Groceries cost about 5% less in Franklin compared to Nashville. A gallon of milk averages $3.60 in Franklin vs $3.80 in Nashville, for example. Eating out is also slightly cheaper – a meal for two at a mid-range Franklin restaurant runs about $60 compared to $70 in Nashville.
🏆 Winner: Franklin edges out Nashville for everyday expenses and groceries.
4. Taxes and Fees
Property taxes are 0.85% in Franklin compared to 1.2% in Nashville. However, Nashville has no city income tax while Franklin charges 0.5% on top of state taxes. HOA fees are common in both cities, averaging $200-400/month.
🏆 Winner: It’s a toss-up. Lower property taxes in Franklin are offset by the city income tax.
Cost of Living in Franklin vs Nashville
| Cost Category | Franklin | Nashville |
|---|---|---|
| Housing | $1,800 – $2,400 | $2,200 – $2,800 |
| Utilities | $180 – $220 | $200 – $250 |
| Groceries | $400 – $600 | $450 – $650 |
| Transportation | $60 – $80 | $80 – $120 |
| Taxes | 0.85% property tax + 0.5% city tax | 1.2% property tax |
| Misc | $200 – $400 | $250 – $500 |
| Estimated Monthly Total | $2,640 – $3,800 | $3,180 – $4,320 |
6. Lifestyle Fit
Franklin offers a quainter, small town feel with more space but less walkability compared to Nashville. Commuting from Franklin to Nashville typically adds 20-30 minutes each way. Nashville boasts a more urban environment and vibrant nightlife.
7. FAQ
Is Franklin more affordable than Nashville?
Yes, the cost of living is about 15% lower in Franklin compared to Nashville, mainly due to cheaper housing.
Which city has lower rent?
Renting an apartment or house in Franklin is typically $300-500 cheaper per month than a comparable place in Nashville.
Where is it cheaper to buy a home?
The median home price in Franklin is about $110,000 less than in Nashville as of 2025. Property taxes are also lower in Franklin at 0.85% vs 1.2%.
8. Conclusion
While both cities offer a high quality of life, Franklin is the more budget-friendly option, especially for families or those working remotely. However, Nashville’s urban amenities, shorter commutes, and lively energy may be worth the premium for some. Compare your [average monthly expenses in Franklin](/franklin-tn/monthly-budget/) or dive deeper into the [cost of living in Franklin](/franklin-tn/cost-overview/) to evaluate the best fit.