Georgia and Tennessee at a glance
Moving between Georgia and Tennessee changes more than the scenery. On a $60,000 salary, Georgia leaves $24,354 a year after taxes, rent, food, energy and gasoline; Tennessee leaves $29,389.
Tennessee comes out ahead by $5,035 a year ($420 a month). The calculation starts from the same gross pay in both states, subtracts federal tax, Social Security and Medicare, then each state's own income tax, and then the population-weighted cost of a one-bedroom rental, groceries, home energy and gasoline across 10,940,407 people in 159 counties in Georgia and 7,066,383 people in 95 counties in Tennessee.
Taxes: what each paycheck loses
Federal income tax ($5,072) and FICA ($4,590) on $60,000 are the same on both sides of the border. Tennessee does not tax wages, while Georgia takes $2,491 of a $60,000 salary in state income tax, so take-home pay is $2,491 higher in Tennessee.
At $100,000
At $100,000 take-home pay is $74,334 in Georgia and $78,901 in Tennessee, a difference of $4,567. The gap widens with income because graduated state brackets take a growing share.
Living costs
One-bedroom rent averages $1,374 a month in Georgia and $1,196 in Tennessee, so Tennessee is $177 a month cheaper for housing. Food costs $3,436 a year in both, because the USDA Thrifty Food Plan is a national figure; home energy $2,207 and $1,733, and gasoline $1,366 and $1,426. Together the basics cost $23,493 a year in Georgia and $20,949 in Tennessee.
What the Census adds
Median household income is $77,353 in Georgia and $69,595 in Tennessee. Homeowners pay a median of $2,341 a year in property tax in Georgia and $1,442 in Tennessee. Commuters travel 28.3 minutes each way on average in Georgia and 25.7 in Tennessee.
Method
Taxes use the 2025 rules for a single filer with wage income only and the standard deduction. Housing and living costs are county figures from HUD (one-bedroom Fair Market Rent), the USDA Thrifty Food Plan and state energy prices from the Energy Information Administration, averaged across each state's counties and weighted by population, so large counties count more. Local income taxes are not included. Counties differ widely inside every state, so use the county pages for a specific place.