Cost of Living in Germantown, TN - Updated Prices & Insights

Solo nomad: Estimated monthly costs are $930 (excluding rent), and $2,532 including rent.

Family of 3: Estimated monthly costs are $2,569 (excluding rent), and $4,913 including rent.

Meal at Budget Restaurant

$19.30 $19.30

$12.19 $12.19

$35.78 $35.78

Three-Course Dinner for Two, Mid-Range

$74.4 $74.4

$49.57 $49.57

$124 $124

Fast Food Meal (McDonalds, etc)

$11.02 $11.02

$9.97 $9.97

$14.03 $14.03

Cappuccino

$5.02 $5.02

$3.45 $3.45

$7.90 $7.90

Coke/Pepsi/Fanta/Sprite (0.33 liter bottle)

$2.48 $2.48

$1.95 $1.95

$3.90 $3.90

Water (0.33 liter bottle)

$1.96 $1.96

$1.47 $1.47

$2.94 $2.94

Local Beer (0.5 liter draught)

$6.16 $6.16

$4.11 $4.11

$8.73 $8.73

Imported Beer (0.33 liter bottle)

$7.12 $7.12

$5.09 $5.09

$10.18 $10.18

Milk (1 liter)

$1.05 $1.05

$0.78 $0.78

$1.49 $1.49

White Bread (500g)

$3.44 $3.44

$2.11 $2.11

$5.41 $5.41

Rice (white) (1kg)

$4.28 $4.28

$2.06 $2.06

$8.46 $8.46

Eggs

$4.14 $4.14

$1.97 $1.97

$6.90 $6.90

Local Cheese (1kg)

$12.13 $12.13

$6.93 $6.93

$21.82 $21.82

Chicken Fillets (1kg)

$11.27 $11.27

$6.01 $6.01

$19.45 $19.45

Beef Round Steak (1kg)

$15.51 $15.51

$9.97 $9.97

$24.37 $24.37

Apples (1kg)

$4.95 $4.95

$2.58 $2.58

$8.89 $8.89

Banana (1kg)

$1.63 $1.63

$1.12 $1.12

$4.25 $4.25

Oranges (1kg)

$4.32 $4.32

$2.24 $2.24

$8.96 $8.96

Tomato (1kg)

$4.75 $4.75

$2.21 $2.21

$8.86 $8.86

Potato (1kg)

$2.90 $2.90

$1.35 $1.35

$6.27 $6.27

Onion (1kg)

$2.82 $2.82

$1.82 $1.82

$4.38 $4.38

Lettuce (1 head)

$2.12 $2.12

$1.43 $1.43

$3.09 $3.09

Water (1.5 liter bottle)

$2.18 $2.18

$1.22 $1.22

$3.29 $3.29

Cigarettes 20 Pack (Marlboro, Camel)

$9.41 $9.41

$7.85 $7.85

$11.77 $11.77

Wine (Bottle)

$14.36 $14.36

$9.69 $9.69

$23.29 $23.29

Local Beer (0.5 liter bottle)

$1.83 $1.83

$1.75 $1.75

$2.89 $2.89

Imported Beer (0.33 liter bottle)

$3.39 $3.39

$1.61 $1.61

$6.05 $6.05

One-way Ticket (Public Transport)

$2.02 $2.02

$1.26 $1.26

$2.02 $2.02

Taxi Start (Normal Tariff)

$3.48 $3.48

$2.98 $2.98

$4.97 $4.97

Taxi (Normal Tariff) (1km)

$1.66 $1.66

$1.58 $1.58

$2.22 $2.22

Taxi 1hour Waiting (Normal Tariff)

$29.59 $29.59

$26.76 $26.76

$35.48 $35.48

Gasoline (1 liter)

$0.86 $0.86

$0.76 $0.76

$1.01 $1.01

Midsize Hatchback 1.4l (Volkswagen Golf, Toyota Prius, Honda Civic, etc)

$29.4K $29.4K

$23.5K $23.5K

$35.8K $35.8K

Compact Sedan 1.6l (Toyota Corolla, Mazda3, Kia K4, Hyundai Elantra, etc)

$26.0K $26.0K

$25.3K $25.3K

$27.4K $27.4K

Utilities for 2 People in 2-bedroom Apartment (Heating, Electricity, Gas, Water, Garbage) (85m2)

$188 $188

$120 $120

$344 $344

SIM Card Monthly Plan (Calls and 10GB+ Data)

$53.8 $53.8

$30.54 $30.54

$102 $102

Internet (50+ Mbps, Unlimited Data)

$68.8 $68.8

$50.8 $50.8

$102 $102

Gym Membership (Monthly)

$43.55 $43.55

$17.72 $17.72

$50.6 $50.6

Cinema Ticket

$13.70 $13.70

$11.17 $11.17

$18.27 $18.27

Preschool or Kindergarten, Full Day, Private, 1 Child (Monthly)

$1,301 $1,301

$1,002 $1,002

$1,851 $1,851

International Primary School, 1 Child (Yearly)

$23.3K $23.3K

$16.7K $16.7K

$27.1K $27.1K

Jeans (Levis 501 Or Similar)

$50.5 $50.5

$29.66 $29.66

$79.1 $79.1

Summer Dress (H&M, Zara, etc)

$39.33 $39.33

$24.58 $24.58

$63.9 $63.9

Sport Shoes (Adidas, Nike)

$85.6 $85.6

$59.2 $59.2

$128 $128

Men's Leather Business Shoes

$113 $113

$64.7 $64.7

$202 $202

1-bedroom Apartment, City Center (Monthly)

$1,571 $1,571

$1,177 $1,177

$1,821 $1,821

1-bedroom Apartment, Outside City Center (Monthly)

$1,340 $1,340

$990 $990

$1,485 $1,485

3-bedroom Apartment, City Center (Monthly)

$2,605 $2,605

$1,981 $1,981

$2,972 $2,972

3-bedroom Apartment, Outside City Center (Monthly)

$2,221 $2,221

$1,699 $1,699

$2,499 $2,499

Buy Apartment in City Center (m2)

$2,696 $2,696

$1,969 $1,969

$2,696 $2,696

Buy Apartment Outside City Center (m2)

$2,474 $2,474

$2,039 $2,039

$2,474 $2,474

Average Monthly Net Salary (After Tax)

$7,817 $7,817

20-Year Fixed Mortgage Interest Rate (Annual %)

6.51

6.19

CityCost data is based on AI and user input – minor inaccuracies may occur.

Last update: January 13, 2026

Germantown, TN Median Internet Speeds (Updated December 2025)

Mobile

Mbps

Fixed Broadband

320

Mbps

The chart highlights the Precision Threshold for mobile and fixed broadband internet speeds, updated quarterly.

Digital Nomad Cost of Living Index

City tags:

🌎 North america

Cost of Living in Germantown, TN - Frequently Asked Questions

Germantown sits as a well-established suburb near Memphis, delivering a mix of upscale housing and small-city conveniences. For many, Cost of Living in Germantown, TN balances affluence with practicality, rooted in safe neighborhoods, strong schools, and clean, walkable streets. You will notice higher housing costs than some rural or inner-city options, but many residents offset that with predictable utility bills and a compact, efficient shopping scene. Dining and services offer good value when you favor midweek outings over peak weekends. The payoff is strongest for families, professionals, and digital nomads who want a calmer base with easy access to a big city. Tip: map your priorities – schools, commute, and green space to gauge fit.

Knowing Germantown, TN living cost helps you budget rental or mortgage, HOA dues, groceries, and utilities as you shop for a home. Housing search: seek single-family homes near quiet streets or a walkable center, then compare terms across neighborhoods. Food options blend national chains with local bakeries and family-owned spots. Transport tends to be car-centric, with ridesharing and occasional bus routes; walking and biking work best in dense pockets. Errands cluster around the town center and major corridors, making weekend shopping feasible. Tip: map a weekly errands loop to save time and fuel.

Quality of life in Germantown comes from safety, schools, green space, and a sense of community. Build a budgeting framework that separates housing, groceries, transport, and leisure, then shore up a small fund for seasonal spikes in utilities. Seasonality affects comfort costs and outdoor choices, so plan for air conditioning in warm months and efficient heating when the weather shifts. Neighborhood fit matters: look for tree-lined streets, parks, and nearby schools or libraries. Try a few weekend walks in different areas to feel vibe and noise levels. Tip: track a 3-month spending snapshot to identify quick savings.