12 Cheapest and Safest Places to Live in Tennessee – 2025 Update
When searching for the cheapest and safest place to live in Tennessee, you’ll find a mix of affordability and charm across the Volunteer State.
Tennessee offers a blend of cost-effective living, serene neighborhoods, and vibrant communities that make it ideal for families, retirees, and individuals alike.
This article explores the most affordable and safest places to live in Tennessee based on how we assessed each town or city based on cost of living, crime rates, and points of interest.
Table of Contents
Methodology
To determine the safest and cheapest place to live in Tennessee, we analyzed recent data from trusted sources. This includes cost of living indices, median home prices, local and state tax rates, and comprehensive crime statistics.
We considered trends that indicate long-term affordability and safety, such as community development and infrastructure projects.
Each city or town on this list has a crime rate below the national average and is significantly affordable compared to other parts of the country. Points of interest and local charm also played a part in shaping the final rankings of the cheapest and safest cities in Tennessee.
The 12 Cheapest and Safest Places to Live in Tennessee
#12. Smyrna
Cost of Living Index: 8% Below US Average
Median Home Prices: $325,000
Crime Index: 15% Below US Average
Location: Check on Google Maps
Just south of Nashville, Smyrna offers a blend of suburban tranquility and accessibility to city life. With a moderate cost of living and steadily low crime rates, it’s a prime spot for families and young professionals.
Points of interest include Percy Priest Lake for outdoor recreation and the Sam Davis Home for history enthusiasts.
#11. Hendersonville
Cost of Living Index: 10% Below US Average
Median Home Prices: $340,000
Crime Index: 18% Below US Average
Location: Check on Google Maps
Known for its lakefront views along Old Hickory Lake, Hendersonville is both affordable and scenic. It’s a great pick for those seeking a safe community with recreational opportunities.
The city’s parks, marinas, and local eateries add to its charm, making it one of the safest and cheapest places to live in Tennessee, especially for those who love living near the water.
#10. Morristown
Cost of Living Index: 12% Below US Average
Median Home Prices: $265,000
Crime Index: 20% Below US Average
Location: Check on Google Maps
Located near the Great Smoky Mountains, Morristown offers affordable housing and a peaceful environment.
With historical sites like the Crockett Tavern Museum and outdoor activities at Cherokee Lake, it’s ideal for nature and history lovers alike.
#9. Spring Hill
Cost of Living Index: 7% Below US Average
Median Home Prices: $375,000
Crime Index: 22% Below US Average
Location: Check on Google Maps
Spring Hill’s rapidly growing community is known for its excellent schools and family-friendly atmosphere.
The Rippavilla Plantation and Harvey Park add local charm, making it a top choice for those seeking safety and affordability.
#8. Johnson City
Cost of Living Index: 14% Below US Average
Median Home Prices: $220,000
Crime Index: 25% Below US Average
Location: Check on Google Maps
Johnson City combines affordability with access to stunning mountain views and cultural attractions.
With festivals like the Blue Plum Festival and trails like the Tweetsie Trail, it’s a lively yet budget-friendly place to settle down, making it one of the best cheapest and safest places to live in Tennessee.
#7. Cookeville
Cost of Living Index: 13% Below US Average
Median Home Prices: $240,000
Crime Index: 27% Below US Average
Location: Check on Google Maps
Cookeville, often referred to as the “Hub of the Upper Cumberland,” offers a low-cost lifestyle paired with natural beauty, making it one of the safest and cheapest places to live in Tennessee.
It’s home to Tennessee Tech University and attractions like Cummins Falls State Park.
#6. Cleveland, TN
Cost of Living Index: 13% Below US Average
Median Home Prices: $240,000
Crime Index: 32% Below US Average
Location: Check on Google Maps
Cleveland is a vibrant city with a unique blend of affordability, safety, and charm, making it one of the cheapest and safest cities in Tennessee.
This city offers a rich historical backdrop, including the iconic Red Clay State Historic Park, which is steeped in Cherokee heritage. Cleveland’s thriving economy is bolstered by major employers like Whirlpool and Amazon, ensuring job stability for residents.
The downtown area features a delightful mix of boutique shops, local eateries, and historic architecture, giving the city its own identity.
#5. Columbia, TN
Cost of Living Index: 15% Below US Average
Median Home Prices: $230,000
Crime Index: 35% Below US Average
Location: Check on Google Maps
Columbia, often referred to as “Muletown,” combines small-town charm with a vibrant cultural scene, securing its spot as one of the safe and affordable places to live in Tennessee.
This city is known for its historic downtown, which boasts a mix of art galleries, antique shops, and local restaurants. Annual events like Mule Day add to its quirky appeal and foster a strong sense of community.
Affordability meets opportunity here, with a growing job market and a cost of living well below the national average. Residents enjoy proximity to Nashville, providing access to metropolitan amenities without the high cost of living.
#4. Clarksville
Cost of Living Index: 9% Below US Average
Median Home Prices: $260,000
Crime Index: 35% Below US Average
Location: Check on Google Maps
Clarksville, situated near the Kentucky border, boasts a strong sense of community and affordability. With landmarks like the Customs House Museum and Cultural Center, it blends safety with culture.
It’s also home to Austin Peay State University, making it a lively area for education and arts.
#3. Kingsport
Cost of Living Index: 17% Below US Average
Median Home Prices: $200,000
Crime Index: 38% Below US Average
Location: Check on Google Maps
Kingsport’s affordability and proximity to nature make it a top contender. Bays Mountain Park and the Kingsport Greenbelt offer plenty of outdoor activities for residents and visitors alike.
Its thriving downtown area with local shops and dining options further enhances its appeal, making it a top contender for those looking for the cheapest and safest places to live in Tennessee.
#2. Maryville
Cost of Living Index: 12% Below US Average
Median Home Prices: $280,000
Crime Index: 40% Below US Average
Location: Check on Google Maps
Maryville’s location near the Great Smoky Mountains makes it both scenic and safe. Its affordable housing market and attractions like the Foothills Mall create a balanced living experience.
Residents also enjoy proximity to the National Park, offering year-round recreational opportunities.
#1. Oak Ridge
Cost of Living Index:20% Below US Average
Median Home Prices:$210,000
Crime Index: 42% Below US Average
Location: Check on Google Maps
Oak Ridge tops the list for its affordability and exceptional safety, making it the cheapest and safest place to live in Tennessee.
The city is steeped in history as the home of the Manhattan Project and offers a variety of cultural and recreational attractions, including the American Museum of Science and Energy.
With access to great schools, a tight-knit community, and nearby outdoor activities at Melton Lake, Oak Ridge offers a well-rounded lifestyle at a fraction of the cost found in larger cities.
Frequently Asked Questions
What factors determine the cheapest and safest place to live in Tennessee?
We consider cost of living indices, median home prices, crime rates, tax rates, and local amenities. Data is compiled from trusted sources such as government reports, real estate trends, and crime statistics.
Are these cities family-friendly?
Yes, each city on this list has been selected for its safety, affordability, and community atmosphere, making them ideal for families. Many also offer excellent schools and family-oriented activities.
Which city on this list is the most scenic?
Maryville and Johnson City stand out for their proximity to the Great Smoky Mountains and stunning natural landscapes. These areas provide ample opportunities for outdoor recreation and scenic views.
Is Tennessee a tax-friendly state?
Tennessee is considered tax-friendly, with no state income tax and relatively low property taxes. This contributes to the overall affordability of living in the state.
How does Tennessee’s cost of living compare to the national average?
Most cities and towns in Tennessee have a cost of living below the national average, with affordable housing, lower utility costs, and budget-friendly groceries and services.
Are there job opportunities in these cities?
Yes, many of these cities offer diverse job opportunities in sectors like healthcare, education, manufacturing, and technology. Oak Ridge, for example, has a robust technology and research sector.