Cost of Living in Church Hill, TN

Population 7,057 · Tennessee · Data vintage 2023

70
Cost Index
(100 = US avg)
Page updated: · Data vintage: 2023 ACS 5-Year
Sources: Census ACS·BLS·NOAA·EPA·Zillow · Methodology

Buyers in Church Hill can reasonably expect a home to cost less than three years of household income — $193,000 against $69,433 in typical earnings — a ratio that has collapsed to 5:1 or worse in much of the country. At 13.3%, the local unemployment rate runs well above the US figure, pointing to structural rather than cyclical labor-market issues.

Located 80 miles northeast of Knoxville, Church Hill is far enough out that local conditions diverge meaningfully from the big-metro baseline. Median home values run roughly 10% lower than Knoxville's $214,000.

Cost Overview

Housing 63
Rent 79

Scale: 100 = US national average. Green < 90, Red > 110.

About the Cost of Living in Church Hill

The median home value in Church Hill is $192,600 — 37% below the national median of $305,000. Median rent runs $1,041/month, 21% lower than the national median of $1,314/month. The median household income of $69,433/year is 7% lower than the US median of $74,580. The local unemployment rate is 13.3%, above the national average of 4.8%. Tennessee charges no state income tax, a meaningful advantage for take-home pay. The climate averages highs of 68.2°F and lows of 44.9°F, with about 9.2" of annual snowfall. Overall, Church Hill has a cost of living index of 70 versus the US average of 100, meaning it is 30% less expensive.

🏠 Housing

Median Home Value
$192,600
37% below avg
Zillow Home Value
$257,004
Zillow ZHVI
Median Rent
$1,041/mo
21% below avg
Price-to-Rent Ratio
15.4x
Favors buying
Property Tax Rate
0.7%
Effective rate

HUD Fair Market Rents by Bedroom

Studio
$731
1 BR
$809
2 BR
$948
3 BR
$1,265
4 BR
$1,510
Owner-occupied 87.2%
Renter-occupied 12.8%

💰 Estimated Monthly Budget

Rent median rent
$1,041
Groceries national estimate
$400
Utilities local estimate
$88
Transportation local gas prices
$126
Estimated Total $1,655/mo

Estimates based on median data and national averages. Actual costs vary.

🛒 Food & Groceries

National BLS average prices (2023). Local prices may vary.

🥚
Eggs (dozen)
$0.548
🍞
White Bread (lb)
$1.912
🥩
Ground Beef (lb)
$5.61

🚗 Transportation

Avg Commute
30.3 min
12% above avg
Gas Price
$3.145/gal
0% below avg
Work From Home
8.9%

Commute Mode

Drove alone
89.1%
Carpooled
2.0%
Work from home
8.9%

Utilities

Electricity
$0.176/kWh
0% below avg

📋 Taxes

State Income Tax (flat) None
Total Sales Tax 9.6%
State rate 7.0%
Avg local rate 2.5%
Property Tax 0.7%

💼 Income & Employment

Median Household Income
$69,433
7% below avg
Per Capita Income
$33,906
Unemployment Rate
13.3%
176% above avg
Poverty Rate
6.8%
Labor Force Participation
57.4%

🎓 Education

Bachelor's degree+ 12.2%
Graduate degree 6.4%

👥 Demographics

Median Age 46.4
Male median age 42.1
Female median age 48.4

🌤 Climate

NOAA 1991–2020 Climate Normals

Avg High
68.2°F
Avg Low
44.9°F
Annual Precip
44"
Annual Snowfall
9.2"
20° 38° 55° 73° 90° JFMAMJJASOND High Low Precip
Month JanFebMarAprMayJunJulAugSepOctNovDec
High °F 475159697784868681705950
Low °F 262935435261656356443429
Precip" 3.653.813.963.793.823.925.003.762.842.523.143.76
Snow" 3.03.01.10.10.00.00.00.00.00.00.31.7

Frequently Asked Questions

What is the cost of living in Church Hill, TN?

Church Hill has a cost index of 70 (100 = national average). It is 30% below the national average.

What is average rent in Church Hill, TN?

The median gross rent in Church Hill is $1,041 per month based on 2023 Census data.

What is the average home price in Church Hill?

The median home value in Church Hill is $192,600 according to Zillow and Census data.

What is the median income in Church Hill?

The median household income in Church Hill is $69,433 per year (2023 ACS 5-year estimates).

What is the sales tax in Church Hill, TN?

The combined state and local sales tax rate in Church Hill is 9.6%. Tennessee has no state income tax.

Is Church Hill, TN affordable?

Yes, Church Hill is generally considered affordable, with a cost of living index of 70 — about 30% below the US national average of 100.

What is the weather like in Church Hill?

Church Hill has average high temperatures of 68.2°F and average lows of 44.9°F. Annual precipitation is 44". Average annual snowfall is 9.2". Data from NOAA 1991–2020 Climate Normals.

Church Hill at a Glance

Population
7,057
Median Income
$69,433
Home Value
$192,600
Median Rent
$1,041/mo
Unemployment
13.3%
Avg High Temp
68.2°F
Sales Tax
9.6%
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