Spring Hill, TN vs. Franklin, TN: Cost of Living Comparison (2025)
When it comes to cost of living, which city wins the faceoff between Spring Hill and Franklin, TN? This article provides a detailed cost of living comparison to help families relocating, professionals choosing between job offers, or anyone comparing the real-life monthly expenses of living in Spring Hill vs Franklin in 2025.
Housing Costs
Housing is often the biggest factor in cost of living. Here’s how typical housing expenses compare between Spring Hill and Franklin:
| Housing Type | Spring Hill | Franklin |
|---|---|---|
| Median 2BR Apartment Rent | $1,450 | $1,850 |
| Median 3BR House Price | $450,000 | $650,000 |
🏆 Winner: Spring Hill. Housing costs, both for renting and buying, are significantly lower in Spring Hill compared to Franklin.
Utilities and Energy Costs
Utility bills are another important monthly expense. In Spring Hill, expect to pay around $180 per month for electricity, water, and gas for a 2BR apartment. Costs are similar in Franklin, averaging $190 per month.
🏆 Winner: Spring Hill, but only by a small margin. Utility costs are comparable between the two cities.
Groceries and Daily Expenses
For a family of four, grocery costs in Spring Hill average $850 per month, while dining out twice a week adds another $300. In Franklin, expect 5-10% higher prices for groceries and restaurants.
🏆 Winner: Spring Hill. The cost of food, both at the grocery store and eating out, is more affordable in Spring Hill.
Taxes and Fees
Property taxes in Spring Hill are 0.75% of assessed value, while Franklin’s rate is 0.90%. For a $450K home, that’s a difference of $675 per year. Both cities charge around $20/month for trash and recycling.
🏆 Winner: Spring Hill. Lower property tax rates give Spring Hill the edge, although the dollar difference is smaller than in housing costs.
Cost Summary
| Expense Category | Spring Hill | Franklin |
|---|---|---|
| Housing (3BR House) | $1,875 | $2,710 |
| Utilities | $180 | $190 |
| Groceries | $850 | $935 |
| Transportation | $300 | $275 |
| Taxes (Property) | $281 | $488 |
| Misc Expenses | $500 | $600 |
| Estimated Monthly Total | $3,986 | $5,198 |
Note: All income and expense figures are expressed as gross monthly amounts (pre-tax).
Lifestyle Fit
While Spring Hill wins on pure cost, Franklin offers tradeoffs that may be worth the premium for some, like more walkable neighborhoods and shorter commutes to Nashville. Spring Hill has more affordable space for growing families.
Frequently Asked Questions
Is Spring Hill more affordable than Franklin?
Yes, the cost of living in Spring Hill is about 20-25% lower than Franklin across major expense categories like housing, food, and taxes.
Which city has lower rent?
Rents are significantly cheaper in Spring Hill. A typical 2BR apartment rents for $1,450/month in Spring Hill compared to $1,850/month in Franklin.
Where is it cheaper to buy a home?
Spring Hill has much lower home prices. The median price for a 3BR house is around $450,000 in Spring Hill versus $650,000 in Franklin.
The Bottom Line
For most households, Spring Hill offers a meaningfully lower cost of living than Franklin. A family moving from Franklin to Spring Hill might save $400/month on housing alone. However, for some, Franklin’s lifestyle amenities justify the higher price tag.
Budgeting is personal, so run your own numbers using our guides on Sample Monthly Budgets for Spring Hill in 2025 and Cost of Living in Spring Hill: Your Monthly Budget Guide for 2025.
Considering other cities in Tennessee? We’ve compared costs for popular spots like Nashville, Chattanooga, Knoxville, and Memphis to help you find the right fit for your finances.