Smyrna is considered moderately affordable in 2025, with average rent for a 2-bedroom apartment around $1,450 per month and slightly lower grocery costs compared to the national average.
Imagine Lena, a 32-year-old graphic designer, who just moved to Smyrna from out of state. As she settles into her new 2-bedroom apartment, she starts to get a feel for the monthly expenses of living in this growing Nashville suburb. Let’s take a closer look at what Lena and other Smyrna residents can expect to budget for in 2025.
Housing Costs in Smyrna
For renters like Lena, a typical 2-bedroom apartment in Smyrna runs around $1,450 per month. One-bedroom units can be found for closer to $1,100, while larger 3-bedroom apartments or townhomes often exceed $1,800 monthly.
Those looking to purchase a home in Smyrna should budget for a median sale price of $450,000 for a 3-bedroom, 2-bathroom house. Newer construction and larger properties in desirable neighborhoods like Enon Springs can push prices above $600,000. More affordable options in the $300,000-400,000 range are available in areas like Almaville and Weakley Lane.
Many neighborhoods in Smyrna have active homeowners associations (HOAs). Typical HOA fees range from $200-400 per month, covering amenities like community pools, parks, and exterior maintenance.
Utilities and Energy Bills
Smyrna residents can expect to pay around $180 per month for a combination of electricity, natural gas, water, and trash service. High summer temperatures mean cooling costs tend to spike from June through September. Winter heating is more moderate.
For internet and cable, budget $100-150 monthly, depending on speed and package options. Many residents opt for internet-only plans in the $70-90 range.
Groceries and Daily Expenses
Grocery costs in Smyrna are slightly lower than the national average. A single person can expect to spend around $350 per month on groceries, while a family of four typically spends closer to $1,000.
For a sense of local prices, a gallon of milk runs about $3.50, a loaf of bread is $2.80, and a dozen eggs cost $2.60. Dining out for a mid-range meal for two averages $50-60, including tax and tip.
Taxes and Hidden Fees
Smyrna’s property tax rate is $0.9190 per $100 of assessed value. For a home valued at $450,000, annual property taxes would be approximately $4,135. Tennessee does not levy a state income tax, but sales tax in Smyrna is 9.75%, combining state and local rates.
Vehicle registration fees in Smyrna are $26.50 for passenger cars, paid annually. Drivers should also budget for car insurance, which averages $1,200 per year for a single adult with a clean record.
Monthly Cost of Living in Smyrna
| Expense Category | Single Adult | Couple | Family of 4 |
|---|---|---|---|
| Housing (rent for 2BR) | $1,450 | $1,450 | $1,450 |
| Utilities | $180 | $220 | $290 |
| Groceries | $350 | $600 | $1,000 |
| Transportation | $200 | $300 | $400 |
| Healthcare | $250 | $500 | $800 |
| Misc/Entertainment | $300 | $500 | $800 |
| Total Monthly Expenses (pre-tax) | $2,730 | $3,570 | $4,740 |
These figures provide a general estimate of monthly living costs in Smyrna. Individual budgets will vary based on lifestyle, family size, and spending habits. All figures represent gross (pre-tax) monthly costs.
Lifestyle Considerations
Smyrna offers a mix of newer suburban development and established neighborhoods with a small-town feel. Commute times to Nashville average 30-35 minutes, making it a popular choice for those working in the city but seeking more affordable housing options.
Families are drawn to Smyrna for its strong public school system, numerous parks and playgrounds, and community events. The town’s proximity to Percy Priest Lake provides ample outdoor recreation opportunities.
While Smyrna’s cost of living is lower than Nashville proper, it’s slightly higher than some neighboring towns like La Vergne or Murfreesboro. However, many residents feel the tradeoff for Smyrna’s amenities, newer housing stock, and convenient location is worthwhile.
Frequently Asked Questions
- Q: What salary do you need to live comfortably in Smyrna?
A: For a single person, a gross (pre-tax) income of at least $2,700 per month or $32,400 annually is recommended. Couples should aim for a combined monthly income of $3,500+, and families around $4,700+. - Q: Is Smyrna more affordable than Nashville?
A: Yes, Smyrna’s housing costs are typically 20-30% lower than equivalent properties in Nashville. However, commute costs can add up for those driving into the city daily for work. - Q: Are utilities expensive in Smyrna?
A: Utility costs in Smyrna are fairly moderate, but expect higher electric bills in the summer months due to air conditioning needs. Enrolling in budget billing plans can help even out costs. - Q: How much should I budget for groceries in Smyrna?
A: Plan on spending around $350 per month on groceries for a single adult, $600 for a couple, and $1,000 or more for a family of four. Cooking meals at home vs dining out can help control food costs. - Q: What are the most affordable neighborhoods in Smyrna?
A: The Almaville and Weakley Lane areas tend to have lower housing costs. Older homes and apartments near the city center can also provide value. Expanding your search to La Vergne and Murfreesboro will yield more budget-friendly options. - Q: How much does childcare cost in Smyrna?
A: Expect to pay around $800-1,000 per month for full-time childcare or preschool for one child. Costs for infants and toddlers tend to be on the higher end. Some employers offer dependent care FSA accounts, which can help offset costs. - Q: Is Smyrna a good place to retire?
A: Smyrna can be an attractive retirement spot for its low tax burden, affordable housing, and proximity to Nashville amenities. The town has several 55+ communities and easy access to quality healthcare facilities. However, summers can be hot and humid.