Chattanooga vs Johnson City

Category-by-Category Breakdown

Index values · National average = 100 · Lower is more affordable

Salary Equivalence

A $75,000 salary in Chattanooga has the same purchasing power as $71,629 in Johnson City.

Conversely, $75,000 in Johnson City equals $78,529 in Chattanooga.

Living in Chattanooga vs Johnson City

Housing Costs

Chattanooga's housing index of 76 is higher Johnson City's 66, translating to median home prices of $255,000 vs $276,000. The $21,000 difference in home prices means roughly $1,368 per year in additional mortgage costs at current rates. Renters face a similar gap: $1,200/mo in Chattanooga compared to $1,025/mo in Johnson City, a monthly difference of $175.

Grocery & Food Costs

Grocery expenses index at 94 in Chattanooga and 95 in Johnson City. A household spending the national average of $475/month on groceries would pay approximately $447/month in Chattanooga vs $451/month in Johnson City. The difference in grocery costs between these cities is relatively minor and unlikely to be a deciding factor in relocation.

Utility Expenses

Utility costs — electricity, gas, water, internet — index at 91 in Chattanooga and 95 in Johnson City. Monthly utility bills average approximately $364 in Chattanooga vs $380 in Johnson City. Utility costs are relatively comparable between these two cities.

Healthcare

Healthcare costs index at 92 in Chattanooga and 94 in Johnson City. This encompasses insurance premiums, doctor visit copays, dental care, and prescription costs. Healthcare costs are relatively similar between these two cities, though individual plan costs can still vary.

Income & Purchasing Power

Median household income is $46,054 in Chattanooga and $55,400 in Johnson City. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $51,746 and $65,176 respectively. Johnson City residents come out ahead in real purchasing power.

Relocation Considerations

Under the standard 28% rule, a median-income household can allocate $1,075/month to housing in Chattanooga vs $1,293/month in Johnson City. In Chattanooga, median rent of $1,200/mo exceeds this threshold, suggesting renters may feel stretched. In Johnson City, median rent of $1,025/mo remains manageable. The biggest category-level difference between these two cities is Housing, where the gap is 10 index points — focus your budget analysis there.

Frequently Asked Questions

Moving & Relocation Resources

As an Amazon Associate we earn from qualifying purchases