Gallatin, TN vs. Hendersonville, TN: Cost of Living Comparison (2025)
Considering a move to Gallatin or Hendersonville, Tennessee? This cost of living comparison breaks down the key differences between these two Nashville suburbs. Whether you’re relocating for work, buying a home, or renting, see which city best fits your 2025 budget.
Housing Costs
Housing is often the biggest factor in cost of living. Here’s how Gallatin and Hendersonville compare for typical options:
| Housing Type | Gallatin | Hendersonville |
|---|---|---|
| Median Home Price | $450,000 | $525,000 |
| Mortgage Payment* | $2,150 | $2,510 |
| 2BR Apartment Rent | $1,600 | $1,850 |
*Assuming 10% down, 30-year fixed
🏆 Winner: Gallatin. You’ll spend about 15% less on housing in Gallatin compared to Hendersonville.
Utilities and Energy Costs
Both cities have similar utility costs, but there are a few differences:
- Gallatin has slightly lower water/sewer rates
- Hendersonville offers an “off-peak” electric plan for cheaper nighttime usage
- Winter heating bills tend to be about 10% higher in Hendersonville
For a typical household, expect monthly utility bills around:
- Gallatin: $180-$220
- Hendersonville: $200-$240
🏆 Winner: Gallatin, but it’s close. You might save $20-$30/month here.
Groceries and Daily Expenses
Grocery costs are nearly identical in Gallatin and Hendersonville. Both have easy access to major chains like Publix, Kroger, and Aldi.
Restaurant prices are also comparable, whether you’re grabbing fast food or sitting down for a nice meal. Expect to pay around:
- Fast casual meal for 2: $25-$30
- Nice dinner for 2: $60-$80
🏆 Winner: Tie. Your grocery and dining out budget will be similar in either city.
Taxes and Fees
Neither Gallatin nor Hendersonville have a city income tax. But there are a few other costs to consider:
- Gallatin’s property tax rate is slightly lower: $0.82 vs $0.92 per $100 of assessed value
- Hendersonville has an annual $50 “city sticker” fee for car owners
- Some Hendersonville neighborhoods have higher HOA fees that include lawn care
🏆 Winner: Gallatin. Lower property taxes can add up to decent savings for homeowners.
Cost of Living in Gallatin vs Hendersonville: 2025 Summary
| Category | Gallatin | Hendersonville |
|---|---|---|
| Housing | $1,600 – $2,150 | $1,850 – $2,510 |
| Utilities | $180 – $220 | $200 – $240 |
| Groceries | $350 – $500 | $350 – $500 |
| Transportation | $60 – $80 | $60 – $80 |
| Taxes | 0.82% property tax | 0.92% property tax + $50 car fee |
| Misc Costs | $200 – $350 | $200 – $400 |
| Estimated Monthly Total* | $2,390 – $3,300 | $2,660 – $3,730 |
*Based on a gross monthly income (pre-tax) of $5,000 for a 2-person household. Adjust up or down for your specific income and family size. See our Sample Monthly Budgets for Gallatin in 2025 for more.
Lifestyle Fit
Costs aside, Gallatin and Hendersonville offer distinct vibes:
- Gallatin has a quainter, small town feel with a historic downtown square. It’s a bit further from Nashville.
- Hendersonville is more suburban with newer developments and more chain stores and restaurants. It’s closer to the city.
🏆 Winner: Depends on your priorities. Hendersonville is pricier but offers more conveniences and a shorter commute. Gallatin is cheaper and more laid-back, but further out.
Frequently Asked Questions
Q: Is Gallatin more affordable than Hendersonville?
A: Yes, Gallatin comes out slightly cheaper in most cost of living categories, especially housing. A household moving from Hendersonville to Gallatin might save $400/month on housing alone.
Q: Which city has lower rent?
A: Gallatin has lower average rent prices. Expect to pay around $1,600/month for a 2BR apartment vs $1,850 in Hendersonville.
Q: Where is it cheaper to buy a home?
A: The median home price in Gallatin is about $75,000 less than Hendersonville as of 2025. That equates to a mortgage payment roughly $360 lower per month.
Conclusion
While Gallatin comes out ahead in this cost of living comparison, both cities offer a high quality of life in the Nashville area. Hendersonville is ideal if you value a newer suburban feel and shorter commute. Gallatin is perfect if you prefer a lower cost of living and small town charm.
Ultimately, your budget and lifestyle preferences will determine which city is the best fit. Be sure to check out our full Cost of Living in Gallatin: Your Monthly Budget Guide for 2025 for more insights.