The Pros and Cons About Living in Tennessee: My Honest Take After 20+ Years
THINKING ABOUT MOVING TO TENNESSEE? HERE’S WHAT I TELL FRIENDS WHO ASK ME ABOUT IT!
As someone who’s called Tennessee home for over 20 years and plans custom vacations across the South, I get this question all the time: “What are the real pros and cons about living in Tennessee?” Truth is, there’s no one-size-fits-all answer, but there are some important factors you should know before making the move.
Whether you’re dreaming of life in a charming small town, soaking up the vibrant music scene in Nashville, or taking advantage of the state’s outdoor playgrounds, this guide will walk you through what it’s really like to live here.
In this post, you’ll find:
- The biggest pros and cons about living in Tennessee
- Local insights from my years of experience
- Tips for moving or planning a visit
Not sure if Tennessee fits your lifestyle? Let’s dig in and see how Tennessee might work for you!
Pros of Living in Tennessee
Living in Tennessee has been one of the best decisions I’ve ever made. It’s got that perfect blend of affordability, natural beauty, and genuine Southern charm that keeps me coming back for more. Let’s break down what makes life here so special.
Low Cost of Living
One of the biggest reasons I love living in Tennessee is how far your money can go. I remember moving here after college and being amazed at how affordable things felt, especially compared to friends living in other states.
Housing is more reasonable, whether you’re renting a cozy apartment in the city or buying a home in a small town. Groceries and utilities tend to be easier on the wallet, too. This affordability can be a real game-changer for families, retirees, or anyone looking to stretch their dollars further.
TRAVELISTA TIP: One of the things I love about finding housing in Tennessee is that there are so many options! If you can’t afford to live right in Nashville or Chattanooga, there are so many affordable options just outside the city but that still keep you close to the amenities you love!
Tax Advantages
Here’s a fact that always surprises people: Tennessee doesn’t have a state income tax. That means more of your paycheck stays in your pocket, which can add up fast. While the state does have a higher sales tax (just under 10% in most places), I’ve found that the overall savings still make a big difference.
For many people moving here from higher-tax states, this tax-friendly approach is a major draw.
Strong Job Market & Economy
Tennessee isn’t just a pretty face—it’s got a strong economy that’s growing year after year. Nashville, in particular, has seen a huge boom in healthcare, education, tech, and tourism.
And it’s not just big cities—smaller cities like Murfreesboro (where I’ve lived for over a decade!) are also seeing steady growth. This healthy job market means more opportunities for folks to build careers or even start their own businesses.
Natural Beauty & Outdoor Amenities
If you’re anything like me, you’ll fall head over heels for Tennessee’s natural beauty. From the rolling hills of Middle Tennessee to the peaks of the Smoky Mountains, there’s something to explore in every season.
I’ve spent countless weekends hiking, kayaking, and just soaking up the quiet beauty of the countryside. With 56 state parks, thousands of miles of hiking trails, and so many rivers and lakes, it’s easy to see why so many people are drawn here.
TRAVELISTA TIP: If you are in the Nashville area checking out places to move, book this Waterfalls Wonders Hike that also includes a trip to the brewery to check out the natural beauty of the area.
Culture, Music & Southern Hospitality
Of course, no talk of Tennessee is complete without mentioning the music and the people. Nashville is famous for its country music roots, while Memphis brings the soul with blues and rock ‘n’ roll.
But it’s not just the music—it’s the warm, welcoming vibe you’ll find across the state. Folks here look out for one another, whether you’re at a small-town festival or a bustling city market. That Southern hospitality is something I’ve always treasured.
Mild Winters
After growing up in a place with bitter cold winters, I can tell you firsthand: Tennessee’s milder winters are a blessing. Sure, you’ll see a dusting of snow here and there, but it’s nothing like the heavy snows up North. That means you can keep enjoying the outdoors year-round, and you don’t have to shovel out your driveway every morning. A definite win in my book!
Cons of Living in Tennessee
As much as I love calling Tennessee home, it’s not without its challenges. Just like anywhere else, there are a few trade-offs to consider before you decide if it’s the right fit for you. Here’s what I’ve noticed (and what I always share with friends thinking about moving here):
Hot, Humid Summers & Severe Weather
Let’s be real: summers in Tennessee can be downright sticky. The humidity can feel like a wet blanket some days, especially in July and August. If you’re not used to hot, muggy weather, it might take some getting used to.
Plus, Tennessee sees its fair share of storms and tornadoes—something you may have to adjust to if you are used to calmer weather. It’s important to stay weather-aware and have a plan for those strong summer storms.
TRAVELISTA TIP: If you are coming from a part of the country where houses have basements, be prepared that you won’t find many homes like that in Tennessee. Many families install storm shelters in their garages to have a shelter during bad weather.
High Sales Tax
One downside of Tennessee’s no-income-tax policy is that the sales tax here is pretty high—around 9.5% in most places. It’s something you’ll notice at the grocery store and when buying bigger-ticket items.
While the overall cost of living is still low, this sales tax can feel like a bit of a pinch if you’re on a tight budget or shopping for a lot of home essentials.
Rising Housing Costs in Hot Spots
Overall, Tennessee’s housing is more affordable than many states, but in booming areas like Nashville, prices have jumped fast.
Even here in Murfreesboro, I’ve seen homes go from affordable to out of reach in just a few years. If you’re dreaming of living in the heart of Music City or another hot spot, be prepared for some sticker shock—though there are still deals to be found in smaller towns and rural areas.
Limited Public Transit
One of the bigger frustrations for folks used to city life is the lack of public transportation. Even in places like Nashville or Chattanooga, you’re going to need a car to get around. There are no subways or convenient commuter trains to get into the city.
In Murfreesboro, for example, there’s very limited bus service, and it’s not always convenient. If you’re moving from a place with a strong subway or bus system, this can be a bit of an adjustment.
Uneven Education & Health Infrastructure
Tennessee has some great schools and healthcare systems, especially in the bigger cities. But in smaller towns and rural areas, the options can be more limited. Public school funding varies a lot depending on where you live, and healthcare access can be a challenge if you’re not near a city. It’s something to think about if you have kids in school or need ongoing medical care.
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Real Local Examples
One of the best ways to really understand what it’s like to move to Tennessee is to hear from folks who’ve lived it—so here’s a little of my story.
My Experience Moving to Tennessee
I moved to Tennessee straight out of college, leaving behind the snow and cold of Minnesota for a fresh start in Nashville. Besides adjusting to the heat and humidity (which is no small feat for a Minnesotan!), what really shocked me was the sheer diversity of life here. Coming from a small town in Minnesota, I wasn’t used to the mix of cultures, neighborhoods, and big-city energy that Nashville had to offer.
The easiest part of settling in was that I already had a few contacts from an internship I did in Nashville during college. That built-in support system made such a difference in helping me feel at home. But even with that support, the biggest challenge was just figuring out how to navigate the city. Nashville is big—way bigger than my small-town Minnesota roots—and it took time to feel comfortable exploring outside of my little corner of the city.
After a decade of soaking up all that Nashville has to offer, my family and I made the move to Murfreesboro. Nashville’s home prices were skyrocketing, and we knew we’d never be able to afford the kind of family home we wanted in the city. Murfreesboro had that sweet spot we were looking for: more affordable housing, a tight-knit community (it’s a college town, after all!), and still close enough to Nashville that we didn’t have to give up the things we loved about the big city. We wanted our daughter to feel like she grew up in a true hometown. Somewhere she could put down roots and have that sense of belonging.
Visiting Other Tennessee Cities
Beyond Nashville and Murfreesboro, I’ve had the chance to explore a lot of other places in Tennessee. Each one has its own unique feel. Chattanooga is one of my favorites—there’s an artsy, outdoorsy vibe that’s perfect for a weekend of wandering. Franklin has this charming, historic downtown that feels like a movie set, full of antique shops and cozy cafes.
TRAVELISTA TIP: If you are considering a move to Chattanooga, you must do this Downtown Food Tour. It will help you to really get a feel for what downtown has to offer!
One of the best things about living in Tennessee is how close we are to even more amazing spots. Gatlinburg and the Smoky Mountains are just a few hours away from Nashville. It’s perfect for quick getaways or a dose of mountain air.
And if you’re up for a little road trip, places like Atlanta, St. Louis, and Asheville are all within easy driving distance. It makes Tennessee feel like the perfect jumping-off point for exploring the South.
Who a Move to Tennessee is Best For
Tennessee isn’t for everyone. But if you’ve looked at the pros and cons about living in Tennessee and know you’re someone who loves a good mix of Southern hospitality, outdoor adventures, and small-town charm with big-city perks nearby, it might just be perfect for you.
A move to Tennessee is a great fit for families looking for that sweet spot of affordability and community. There are so many small towns and growing cities that still have that close-knit feel. One great example is Murfreesboro, where I’ve raised my own family.
It’s also ideal if you’re someone who loves the outdoors. From the Smoky Mountains to endless lakes and hiking trails, there’s always something to explore. And for anyone who’s a music lover (or just loves a good street festival!), Tennessee’s rich music scene and Southern food culture will make you feel right at home.
TRAVELISTA TIP: When visiting the Smoky Mountains I highly suggest using this Smoky Mountains and Cades Cove Self-Guided Audio Tour to really enhance your time in the park!
On the flip side, if you’re used to public transportation and walkable neighborhoods, some of Tennessee’s more car-dependent areas might feel like a tough adjustment. The heat and humidity in the summer can also be a deal-breaker for some.
But if you’re open to embracing a new pace of life, Tennessee has a lot to offer. For me, it’s been the perfect blend of natural beauty, friendly faces, and a cost of living. It lets you really enjoy what matters most.
Tips for Moving to Tennessee
If you’re thinking about making the move to Tennessee, a little preparation can go a long way. Understanding the pros and cons about living in Tennessee can help you make informed choices before you pack up and head South.
Do Your Research on Different Cities and Towns
Tennessee has a little something for everyone. Big cities like Nashville, college towns like Murfreesboro, or mountain towns like Gatlinburg. Spend some time visiting and getting a feel for the neighborhoods. What you see on a map doesn’t always match what it feels like to live there.
Plan for the Weather
I can’t stress this enough: be ready for hot and humid summers. Good air conditioning is your friend! It’s also a good idea to brush up on tornado safety. Those summer storms can pop up fast, and you’ll want to be prepared.
Consider the Commute
Public transit is limited in most places, so you’ll probably need a car to get around. Think about where you’re working and how much you’re willing to drive each day.
TRAVELISTA TIP: For people that work in Nashville it is not unusual to have an hour work commute each way. That is definitely something to keep in mind when deciding where to live and work.
Check Out the Schools
If you have kids, do some digging on local school districts. Tennessee’s public schools vary a lot by area, so finding the right fit can make a big difference.
Budget for the Sales Tax
Even though there’s no state income tax, the sales tax here is high. In fact it can reach almost 10% in most places. Keep that in mind as you set up your budget for groceries, home goods, and bigger purchases.
Explore the Outdoor Life
One of the best things about Tennessee is how easy it is to get out in nature. Take advantage of the hiking, camping, and scenic drives. There’s nothing like a quiet day in the Smokies to remind you why you chose to live here.
Moving to Tennessee can be a big change. If you go in with open eyes and a little planning, it’s one of the best places to put down roots and live life your way.
Planning Your Trip to Visit Tennessee
If you’re curious about Tennessee and want to see it all for yourself before making a big move, a visit is the perfect way to get a feel for what life here is really like. Experiencing the pros and cons about living in Tennessee firsthand—from the buzzing energy of Nashville to the quiet charm of small towns like Franklin and the scenic beauty of the Smoky Mountains—can help you decide if it’s truly the right fit.
I’d love to help you plan a trip that shows off the very best of Tennessee. One that is tailored to your interests and what you want to see most. As a travel professional and local of 20 years, I know how to build itineraries that feel personal, easy, and fun.
Let’s work together to create a custom Tennessee itinerary that helps you figure out if this state is the right fit for you. Or just to enjoy a little Southern adventure! Click the button below to get started.
Final Thoughts: Pros and Cons About Living in Tennessee
Tennessee has been home to me for over 20 years. It’s a place that holds a lot of heart and soul. Like anywhere, there are trade-offs to consider—the heat, the storms, and the sometimes slow pace of small-town life. But for me, the pros and cons about living in Tennessee have always leaned in favor of staying.
If you’re thinking about making Tennessee your new home, or even just planning a visit, I hope this honest look at the pros and cons helps you feel a little more prepared and a lot more excited. And if you need a hand planning that first trip or finding the best local spots to explore, I’d be happy to help.
May your journey in Tennessee be everything you hope for!
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