Spring Hill is considered moderately affordable in 2025, with average rent for a 2-bedroom apartment at $1,650 and slightly lower grocery costs than the national average.
In 2025, the cost of living in Spring Hill, TN remains relatively affordable compared to many other U.S. cities. With a population just over 50,000, this Nashville suburb offers a balanced mix of housing options, amenities, and access to jobs. Here’s a detailed look at the monthly expenses you can expect when living in Spring Hill.
Housing Costs
Housing is the biggest factor in Spring Hill’s overall affordability. Typical housing options include single-family homes, townhouses, and apartments. Prices vary by neighborhood, with newer developments generally commanding higher rents and purchase prices.
For renters, a 2-bedroom apartment in Spring Hill averages around $1,650 per month as of 2025. Prices range from $1,400 in older complexes up to $2,000+ in newer, amenity-rich buildings. Renting a 3-bedroom single-family home costs $2,100 to $2,600 monthly.
Homebuyers can expect a median sale price near $450,000 for a 3-bedroom, 2-bath house. Newer construction in master-planned communities often exceeds $550,000. Some neighborhoods have mandatory HOA fees of $200-400 per month, covering shared amenities and exterior maintenance.
Utilities and Energy Bills
Basic utility costs in Spring Hill are near the national average. Expect to pay around $150 monthly for electricity for a 2-bedroom apartment, with summer cooling driving seasonal spikes. Water, sewage, and trash collection typically add another $60-80 per month.
| Utility | Estimated Monthly Cost |
|---|---|
| Electricity | $150 |
| Water + Sewage | $50 |
| Trash Collection | $20 |
| Natural Gas | $30 |
Groceries and Daily Expenses
Groceries in Spring Hill cost about 5% less than the U.S. average. Expect to budget $350-400 per month for a single adult, adding $200-250 for each additional household member. This covers basics like milk ($3.50/gal), bread ($2.50/loaf), and eggs ($2.75/dozen).
Dining out remains relatively affordable. A meal for two at a casual restaurant averages $40-50, while fast food combos are around $8-10. Budgeting $200-300 monthly allows for occasional restaurant visits in addition to groceries.
Taxes and Hidden Fees
Tennessee has no state income tax, but sales tax is high at 9.75% (7% state rate plus 2.75% in Spring Hill). Property taxes are assessed at 0.75% of a home’s appraised value, equating to $3,000-4,000 annually for a typical house.
Vehicle registration costs $26 per year, plus an $82 wheel tax in Spring Hill. Drivers must also pass annual emissions tests ($9) and pay yearly vehicle property taxes based on assessed value.
Summary Budget Table
| Expense Category | Single Adult | Couple | Family of 4 |
|---|---|---|---|
| Housing (Rent, 2BR) | $1,650 | $1,650 | $2,200 (3BR) |
| Utilities | $250 | $300 | $400 |
| Groceries | $400 | $600 | $1,000 |
| Transportation | $300 | $500 | $800 |
| Healthcare | $250 | $500 | $800 |
| Monthly Total (Gross) | $2,850 | $3,550 | $5,200 |
Note: All figures reflect gross monthly income (pre-tax) needed to support each budget. Actual take-home pay will be lower.
Lifestyle Considerations
Living comfortably in Spring Hill requires balancing housing costs with commute times and access to amenities. Newer homes in master-planned communities offer modern features and shared facilities but come at a premium. More affordable options exist in older neighborhoods, often with larger lots but fewer community perks.
Traffic congestion is a growing issue for commuters, with trips to Nashville averaging 45-60 minutes each way. However, ongoing road improvements aim to ease the strain. Meanwhile, Spring Hill itself continues to attract employers in healthcare, retail, and professional services.
Residents enjoy ample parks, sports fields, and a well-regarded public school system. The cost of youth activities, from sports leagues to summer camps, is on par with national norms. Families can access a range of programming through the Spring Hill Parks & Recreation department.
Frequently Asked Questions
- Q: What salary do you need to live in Spring Hill?
A: A gross monthly income around $3,500 allows a typical couple to live comfortably in Spring Hill as of 2025, while a family of four generally requires at least $5,200. - Q: Why are home prices in Spring Hill rising?
A: Spring Hill’s growing population, driven by its proximity to Nashville and influx of new employers, has increased housing demand faster than supply in recent years. - Q: Is Spring Hill cheaper than Nashville?
A: Yes, the cost of living in Spring Hill is about 15% lower than Nashville proper. The most significant savings are in housing, with Spring Hill rents and home prices averaging 20-25% less. - Q: Are utilities expensive in Spring Hill?
A: Utility costs in Spring Hill are near the U.S. median. Expect to pay around $250 per month for basic electricity, water, and gas in a 2-bedroom apartment. - Q: What are property taxes like in Spring Hill?
A: The property tax rate in Spring Hill is 0.75% of assessed value (which is based on market value). For a $450,000 home, annual property taxes would be around $3,375. - Q: How much do I need to earn to buy a house in Spring Hill?
A: To afford the median Spring Hill home price of $450,000, you’d need a gross household income around $90,000, assuming a 10% down payment and 30-year mortgage. - Q: What’s the sales tax rate in Spring Hill?
A: As of 2025, the total sales tax rate in Spring Hill is 9.75% (7% state rate plus 2.75% local rate). This applies to most goods except groceries, which are taxed at 4% by the state.