What You Should Know Before Moving to Tennessee

Relocating to a new state is one of the biggest decisions you can make and if Tennessee is on your list, you’re far from alone. Over the past several years, thousands of people from across the U.S. have been drawn to Tennessee’s vibrant cities, scenic mountain towns, low taxes, and welcoming culture. But before you pack up and head south, it’s essential to understand the realities of living in the Volunteer State. In this detailed guide, we’ll cover everything you should know before moving to Tennessee from cost of living and weather to culture, job markets, and what it’s really like to live there.

Why Are So Many People Moving to Tennessee?

Tennessee is experiencing one of the most significant population booms in the Southeast. The reasons are compelling:

• No state income tax means more take-home pay.

• Affordable housing compared to national averages.

• Mild climate with four distinct seasons.

• Job opportunities in healthcare, tech, education, and manufacturing.

• High quality of life in both urban and rural areas.

From vibrant Nashville to the quiet beauty of East Tennessee towns like Johnson City and Maryville, the state offers something for nearly every lifestyle.

1. Tennessee’s Geography & Lifestyle Vary by Region

One of the most important things to understand is that Tennessee is a geographically and culturally diverse state. Your experience will largely depend on where you choose to live.

West Tennessee

• Includes Memphis and Jackson.

• Known for blues music, strong Black culture, and the Mississippi River.

• More affordable, but public services and schools can vary.

Middle Tennessee

• Home to Nashville, Franklin, and Murfreesboro.

• A hub for music, tech, healthcare, and business.

• Fast-growing with suburban sprawl and rising costs.

East Tennessee

• Includes Knoxville, Chattanooga, and the Smoky Mountains.

• Scenic, mountainous, and more traditional.

• Popular for retirees and nature lovers.

Tip: Visit each region if possible before making your final decision. Tennessee offers urban living, small-town charm, and rural quiet all within a few hours’ drive.

2. The Cost of Living Is Lower Than the U.S. Average

Tennessee is considered one of the more affordable states in America. However, costs vary by city.

Other Costs to Consider:

• Groceries and utilities: slightly below average

• Healthcare: varies by region

• Car insurance: higher in urban areas

• Property taxes: relatively low

3. There’s No State Income Tax But Sales Tax Is High

One of Tennessee’s biggest attractions is its tax structure.

Tax Breakdown:

• State Income Tax: 0%

• Sales Tax: 7% state + local taxes (up to 9.75%)

• Property Taxes: Among the lowest in the country

• Gas Tax: Moderate, around 26 cents per gallon

While you’ll save money on income taxes, the high sales tax can add up especially on large purchases.

4. Employment Opportunities Are Growing

Tennessee’s economy is booming in multiple sectors. Here are the top industries and where to find them:

Unemployment remains low, and the state has actively encouraged business growth with incentives and low taxes.

5. Housing Markets Are Still Competitive

While still affordable compared to coastal states, housing prices are rising, particularly in Nashville and surrounding suburbs.

Housing Tips:

• Start your search early, especially in competitive areas.

• Consider nearby towns for more space and lower prices.

• Work with a local real estate agent familiar with relocation.

Renting first is also a popular option for newcomers who want time to explore different cities and neighborhoods.

6. You’ll Need a Car in Most Places

Tennessee is not known for robust public transportation systems. If you’re moving from a walkable city, be prepared for a car-dependent lifestyle especially outside of major metro areas.

Transportation Overview:

• Public Transit: Limited to bus systems in cities

• Traffic: Manageable in most places, but growing in Nashville

• Airports: Major hubs in Nashville (BNA), Memphis (MEM), and Knoxville (TYS)

Pro tip: Nashville traffic has increased significantly in recent years, so plan your commute accordingly.

7. Expect Four Distinct Seasons

Tennessee’s climate is humid subtropical, which means it experiences hot summers, mild winters, and lots of rainfall.

Seasonal Breakdown:

• Summer: Highs in the 80s–90s °F, humid

• Fall: Pleasant, colorful, ideal for hiking

• Winter: Mild; snowfall is rare except in East Tennessee

• Spring: Wet and stormy; tornadoes are possible

Tornadoes and thunderstorms are most common in spring and early summer, so it’s wise to have a weather alert app or NOAA radio.

8. Culture & Community Matter

Tennessee is friendly, community-oriented, and rooted in Southern hospitality but each area has its own vibe.

Cultural Highlights:

• Music: Home to country, blues, and rock ‘n’ roll

• Food: Barbecue, hot chicken, catfish, Southern comfort food

• Religion: Christianity is prominent, especially in rural areas

• Politics: Generally conservative, with liberal pockets in cities

Whether you’re looking for a close-knit small town or a dynamic city with diversity, Tennessee offers both.

9. Healthcare Is Accessible but Can Vary

Tennessee has both public and private healthcare options. The quality of care is strong in larger cities with major medical centers like Vanderbilt in Nashville or UT Medical Center in Knoxville.

Rural areas may have fewer specialists, so it’s worth researching local facilities if you have ongoing medical needs.

10. Legal & Logistical Details to Remember

• Driver’s License: You must transfer your license within 30 days of residency.

• Vehicle Registration: Also required within 30 days.

• Voter Registration: Tennessee allows online registration.

• Business-Friendly: Great for freelancers and entrepreneurs due to low regulation and no income tax.

FAQs About Moving to Tennessee

Is Tennessee a good state to live in?

Yes. With low taxes, beautiful landscapes, and a growing economy, Tennessee appeals to families, professionals, and retirees.

How much money do I need to live comfortably in Tennessee?

The average is about $45,000–$60,000/year for a single person, more for families depending on location and lifestyle.

What is the downside of living in Tennessee?

High sales tax, car-dependent cities, and weather risks like tornadoes and thunderstorms.

Do I need a car in Tennessee?

Yes, in most areas. Only downtown zones in major cities offer walkability.

Is Tennessee a good place to retire?

Absolutely. With no tax on retirement income and a lower cost of living, it’s a favorite among retirees especially in East Tennessee.

Final Thoughts

Tennessee is a state of opportunity, charm, and variety. But like any relocation, it requires preparation. By understanding the cost of living, job markets, climate, and cultural differences, you’ll be better equipped to find a place that suits your needs.

Whether you’re moving for a new job, a slower pace, or a scenic retirement, Tennessee has something to offer. Just be sure to research, plan, and explore thoroughly before you commit to your move.