Chattanooga vs Nampa
Cost of Living Comparison · 2026
Chattanooga
Nampa
The Verdict
The cost gap between these cities is 15.2%, with Chattanooga being the more affordable option. A $75,000 income in Chattanooga has equivalent purchasing power to $88,483 in Nampa.
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 $88,483 in Nampa.
Conversely, $75,000 in Nampa equals $63,571 in Chattanooga.
Living in Chattanooga vs Nampa
Housing Costs
Chattanooga's housing index of 76 is lower Nampa's 104, translating to median home prices of $255,000 vs $371,000. The $116,000 difference in home prices means roughly $7,536 per year in additional mortgage costs at current rates. Renters face a similar gap: $1,200/mo in Chattanooga compared to $1,500/mo in Nampa, a monthly difference of $300.
Grocery & Food Costs
Grocery expenses index at 94 in Chattanooga and 105 in Nampa. A household spending the national average of $475/month on groceries would pay approximately $447/month in Chattanooga vs $499/month in Nampa. Chattanooga offers a meaningful advantage on everyday food costs, saving roughly $624/year.
Utility Expenses
Utility costs — electricity, gas, water, internet — index at 91 in Chattanooga and 83 in Nampa. Monthly utility bills average approximately $364 in Chattanooga vs $332 in Nampa. Utility costs are relatively comparable between these two cities.
Healthcare
Healthcare costs index at 92 in Chattanooga and 102 in Nampa. 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 $74,300 in Nampa. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $51,746 and $70,762 respectively. Nampa 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 $1,734/month in Nampa. In Chattanooga, median rent of $1,200/mo exceeds this threshold, suggesting renters may feel stretched. In Nampa, median rent of $1,500/mo remains manageable. The biggest category-level difference between these two cities is Housing, where the gap is 28 index points — focus your budget analysis there.
Frequently Asked Questions
Moving & Relocation Resources
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