Chattanooga vs Lincoln
Cost of Living Comparison · 2026
Chattanooga
Lincoln
The Verdict
Chattanooga is 4.3% less expensive than Lincoln overall. A household earning $75,000 in Chattanooga would need approximately $78,371 in Lincoln to maintain the same standard of living.
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 $78,371 in Lincoln.
Conversely, $75,000 in Lincoln equals $71,774 in Chattanooga.
Living in Chattanooga vs Lincoln
Housing Costs
Chattanooga's housing index of 76 is lower Lincoln's 77, translating to median home prices of $255,000 vs $264,000. The $9,000 difference in home prices means roughly $588 per year in additional mortgage costs at current rates. Renters face a similar gap: $1,200/mo in Chattanooga compared to $1,075/mo in Lincoln, a monthly difference of $125.
Grocery & Food Costs
Grocery expenses index at 94 in Chattanooga and 98 in Lincoln. A household spending the national average of $475/month on groceries would pay approximately $447/month in Chattanooga vs $466/month in Lincoln. 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 93 in Lincoln. Monthly utility bills average approximately $364 in Chattanooga vs $372 in Lincoln. Utility costs are relatively comparable between these two cities.
Healthcare
Healthcare costs index at 92 in Chattanooga and 102 in Lincoln. This encompasses insurance premiums, doctor visit copays, dental care, and prescription costs. The 10-point gap reflects real differences in provider costs, insurance market competition, and regional healthcare infrastructure.
Income & Purchasing Power
Median household income is $46,054 in Chattanooga and $71,900 in Lincoln. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $51,746 and $77,312 respectively. Lincoln 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 $1,678/month in Lincoln. In Chattanooga, median rent of $1,200/mo exceeds this threshold, suggesting renters may feel stretched. In Lincoln, median rent of $1,075/mo remains manageable. The biggest category-level difference between these two cities is Healthcare, 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