Hendersonville, TN vs. Hermitage, TN: Cost of Living Comparison (2025)
Which city wins on cost in the faceoff between Hendersonville and Hermitage? This article provides a detailed cost of living comparison to help families relocating, professionals choosing between job offers, or anyone comparing the real-life expenses of living in Hendersonville vs Hermitage in 2025. All income figures are expressed in gross monthly income (pre-tax).
1. Housing Costs
Housing is often the biggest factor in cost of living differences. Here’s how typical rent and mortgage costs compare in Hendersonville and Hermitage:
| Housing Type | Hendersonville | Hermitage |
|---|---|---|
| 2BR Apartment (Rent) | $1,450 | $1,600 |
| 3BR House (Mortgage) | $1,850 | $2,100 |
🏆 Winner: Hendersonville. Housing costs an estimated 10-15% less in Hendersonville compared to similar homes and apartments in Hermitage.
2. Utilities and Energy Costs
Utility bills are a bit lower in Hendersonville as well. Expect to pay around $180 per month for electricity, water, and gas in a 2BR apartment in Hendersonville, compared to $210 in Hermitage. Both cities have similar climates, so heating and cooling needs are comparable.
🏆 Winner: Hendersonville edges out Hermitage by about $30 per month on average utility costs.
3. Groceries and Daily Expenses
Grocery prices are fairly similar between the two cities. A gallon of milk averages $3.50 in both locations, while a loaf of bread is around $2.80. Eating out is also comparable, with a meal at an inexpensive restaurant costing about $15 per person in either city.
🏆 Winner: Tie. Everyday expenses are neck and neck between Hendersonville and Hermitage.
4. Taxes and Fees
Both cities have the same sales tax rate of 9.25% as of 2025. However, property taxes are slightly lower in Hendersonville, averaging 0.75% of assessed value compared to 0.85% in Hermitage. HOA fees are common in both cities for certain neighborhoods, typically ranging from $200-400 per month.
🏆 Winner: Hendersonville. The lower property tax rate gives Hendersonville a slight edge, especially for homeowners.
5. Cost Summary Table
| Category | Hendersonville | Hermitage |
|---|---|---|
| Housing (3BR Mortgage) | $1,850 | $2,100 |
| Utilities | $180 | $210 |
| Groceries | $400 | $400 |
| Transportation | $60 | $60 |
| Taxes (Property) | 0.75% | 0.85% |
| Misc Expenses | $500 | $500 |
| Estimated Monthly Total | $2,990 | $3,270 |
6. Lifestyle Fit
While Hendersonville wins on overall affordability, Hermitage has some lifestyle advantages. Hermitage has more public transportation options and a slightly shorter average commute. However, Hendersonville offers more spacious homes for the price and lower noise levels.
Ultimately, the best fit depends on your family’s priorities. Can you stretch your budget for a shorter commute in Hermitage? Or are larger, more affordable homes in Hendersonville worth a few extra minutes in the car? Weigh what matters most.
7. FAQ
Q: Is Hendersonville more affordable than Hermitage?
A: Yes, Hendersonville has a lower overall cost of living, mainly due to more affordable housing. A household moving from Hermitage to Hendersonville might save $400/month on housing alone.
Q: Which city has lower rent?
A: Hendersonville has lower average rent prices. A typical 2BR apartment rents for around $1,450 in Hendersonville compared to $1,600 in Hermitage.
Q: Where is it cheaper to buy a home?
A: Hendersonville has lower home prices and slightly lower property taxes, making it more affordable for buyers. A 3BR house in Hendersonville averages a $1,850 mortgage payment vs $2,100 in Hermitage.
8. Conclusion
In the cost of living faceoff between Hendersonville and Hermitage, Hendersonville comes out ahead for most households. The lower housing costs and utility bills make it an attractive choice for families looking to stretch their budget.
However, Hermitage can still be a great fit for commuters who prioritize a quick trip to work and don’t mind paying a bit more for housing. Weigh your lifestyle needs and budget to see which city lines up best.
Considering other Tennessee cities too? Check out our monthly budget guide for Hendersonville or dive into the full cost of living breakdown for Hendersonville to see how it compares. With some careful planning, you can find the perfect affordable fit for your family.