Cost of Living in Harrogate, TN
Population 4,355 · Tennessee · Data vintage 2023
(100 = US avg)
Harrogate is a smaller Tennessee community of around 4000 residents, where median household incomes of $63,257 and housing costs ($179,000 for a typical home) give the local cost-of-living profile a distinctly small-town shape. At 6.2%, the local unemployment rate runs well above the US figure, pointing to structural rather than cyclical labor-market issues.
Located 45 miles northeast of Knoxville, Harrogate falls within that metro's commuting orbit. Median home values run roughly 17% lower than Knoxville's $214,000.
Cost Overview
Scale: 100 = US national average. Green < 90, Red > 110.
About the Cost of Living in Harrogate
The median home value in Harrogate is $178,600 — 41% below the national median of $305,000. Median rent runs $1,277/month, 3% lower than the national median of $1,314/month. The median household income of $63,257/year is 15% lower than the US median of $74,580. The local unemployment rate is 6.2%, 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 67.5°F and lows of 46.2°F. Overall, Harrogate has a cost of living index of 74 versus the US average of 100, meaning it is 26% less expensive.
Harrogate has limited residential data
Detailed housing and income data is limited for this location. Here are the nearest cities with full cost of living data:
🏠 Housing
HUD Fair Market Rents by Bedroom
💰 Estimated Monthly Budget
Estimates based on median data and national averages. Actual costs vary.
🛒 Food & Groceries
National BLS average prices (2023). Local prices may vary.
🚗 Transportation
Commute Mode
⚡ Utilities
📋 Taxes
💼 Income & Employment
🎓 Education
👥 Demographics
🌤 Climate
NOAA 1991–2020 Climate Normals
| Month | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| High °F | 45 | 50 | 58 | 69 | 77 | 84 | 86 | 86 | 80 | 70 | 58 | 49 |
| Low °F | 27 | 30 | 36 | 45 | 54 | 62 | 66 | 65 | 58 | 45 | 36 | 30 |
| Precip" | 3.89 | 4.02 | 4.57 | 4.65 | 5.04 | 5.06 | 5.16 | 3.97 | 3.55 | 3.29 | 3.52 | 4.54 |
💨 Air Quality
EPA AQS 2023 — county-level monitoring data
Frequently Asked Questions
What is the cost of living in Harrogate, TN?
Harrogate has a cost index of 74 (100 = national average). It is 26% below the national average.
What is average rent in Harrogate, TN?
The median gross rent in Harrogate is $1,277 per month based on 2023 Census data.
What is the average home price in Harrogate?
The median home value in Harrogate is $178,600 according to Zillow and Census data.
What is the median income in Harrogate?
The median household income in Harrogate is $63,257 per year (2023 ACS 5-year estimates).
What is the sales tax in Harrogate, TN?
The combined state and local sales tax rate in Harrogate is 9.6%. Tennessee has no state income tax.
Is Harrogate, TN affordable?
Yes, Harrogate is generally considered affordable, with a cost of living index of 74 — about 26% below the US national average of 100.
What is the weather like in Harrogate?
Harrogate has average high temperatures of 67.5°F and average lows of 46.2°F. Annual precipitation is 51.3". Data from NOAA 1991–2020 Climate Normals.
Harrogate at a Glance
- Population
- 4,355
- Median Income
- $63,257
- Home Value
- $178,600
- Median Rent
- $1,277/mo
- Unemployment
- 6.2%
- Avg High Temp
- 67.5°F
- Sales Tax
- 9.6%
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Tennessee Rankings
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