Direct Answer
Clarksville, TN has a CostOfCity index of 88, which is 12% below the national baseline. Average modeled rent is $1,307/month and the single-adult living cost estimate is $3,692/month.
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Cost of Living in Clarksville: The Full Picture
How does Clarksville compare to the rest of America? With a population of 167,000 and an economy built on a value-oriented market where your dollar stretches further than in most American cities, this TN smaller city has a cost profile that's distinctly its own. A rapidly urbanizing landscape where new mixed-use developments spring up next to century-old churches. The 62 categories below translate these broad dynamics into specific dollar figures you can plan around.
Clarksville has a developing economy where lower costs attract first-time business owners and remote workers
The housing market features one of America's more affordable housing markets, where homeownership is within reach for most working families
Year-round warmth is the draw, but it comes with trade-offs: mold, termites, and AC units that run 10 months a year.. The lifestyle here is characterized by A rapidly urbanizing landscape where new mixed-use developments spring up next to century-old churches..
Clarksville is genuinely affordable by American standards. A cost index of 88 translates to real, material savings on housing, services, and daily expenses compared to most metro areas.
💰 Purchasing Power in Clarksville
Purchasing power adjusted to national average baseline. In Clarksville, your dollar buys 14% more than the national average.
🔺 Where Clarksville Costs More
🔽 Where Clarksville Costs Less
💰 Salary Landscape
vs national average · higher = better
Monthly Living Expenses in Clarksville
What it actually costs to live in Clarksville each month — from tight budgets to comfortable lifestyles.
Estimates include housing, food, transportation, utilities, insurance, and discretionary spending. Based on Clarksville's cost index of 88 applied to national spending surveys.
🏘️ Neighborhood Cost Variation
Within Clarksville, costs can vary by 25-40% depending on the neighborhood. Downtown and waterfront areas typically command the highest premiums, while suburbs provide genuine savings, often 15-20% below the metro average.
Clarksville vs U.S. Average Cost of Living
Category-by-category affordability grades — based on deviation from the national average.
🏠 Home Services in Clarksville
What contractors charge for the most common repairs, installations, and remodels
Roof Replacement
-3%HVAC Installation
-29%Plumbing Services
-11%Electrical Work
-33%Kitchen Remodel
-5%Bathroom Remodel
+4%House Painting
-24%Flooring Installation
-36%Landscaping
-15%Fence Installation
-45%Window Replacement
-40%Solar Panel Installation
-12%Water Heater Replacement
-32%Deck Building
-20%Pool Installation
-18%Tree Removal
-37%Garage Door Repair
+4%💼 Business Startup Costs in Clarksville
Full startup cost breakdowns — from lease deposits to working capital
Start a Restaurant
-40%Start a Coffee Shop
-23%Start a Food Truck
+1%Start a Gym
-4%Start a Daycare
-4%Start a Hair Salon
-20%Start a Laundromat
-9%Start a Bakery
-7%Start a Bar
+11%Start a Cleaning Business
-8%Start an Airbnb
-1%Start a Trucking Business
-38%📊 Cost of Living in Clarksville
Monthly expenses for housing, food, transportation, and everyday necessities
Cost of Living
-8%Rent Prices
-8%Grocery Costs
-9%Utility Costs
-21%Transportation Costs
-18%Childcare Costs
-8%Gym Membership
-8%🛡️ Insurance in Clarksville
Annual and monthly premium estimates for major insurance categories
Car Insurance
-19%Home Insurance
-3%Health Insurance
+9%Business Insurance
-10%Life Insurance
-28%Renters Insurance
-7%Pet Insurance
-20%Dental Insurance
0%Motorcycle Insurance
+10%⚖️ Legal Services in Clarksville
Attorney fees, court costs, and total legal service expenses
Personal Injury Lawyer
-32%Divorce Lawyer
-7%DUI Lawyer
+3%Immigration Lawyer
-24%Estate Planning Lawyer
-31%Workers Comp Lawyer
-12%Bankruptcy Lawyer
-1%💰 Salaries & Jobs in Clarksville
Annual compensation by experience level, role, and specialization
Software Developer Salary
-25%Registered Nurse Salary
+5%Teacher Salary
-19%Electrician Salary
-12%Plumber Salary
-21%Accountant Salary
+5%Physical Therapist Salary
-39%Police Officer Salary
-30%Dentist Salary
+5%Real Estate Agent Salary
-12%How Much Income Do You Need in Clarksville?
✅ Best For
- Retirees on fixed incomes
- First-time business owners
- Remote workers keeping coastal salaries
- Anyone building an emergency fund
⚠️ Not Ideal For
- Workers in highly specialized tech roles
- Those seeking dense urban amenities
Talk to current residents about hidden costs. The sticker savings are real — just factor in any commute or lifestyle adjustments. Local subreddits and Facebook groups are goldmines for this intel.
CostOfCity Value Index
The CostOfCity Value Index combines cost-of-living data with median income, savings potential, and cost growth trends to produce a single score. Higher = better value for your money. Updated quarterly.
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Frequently Asked Questions About Clarksville
Is Clarksville a good place to start a business?
Clarksville's business environment is shaped by TN's regulatory framework and local commercial real estate costs. Below-average operating costs give businesses more runway to reach profitability. Check our business startup cost data for specific figures.
How does Clarksville compare to other cities in TN?
Within Tennessee, Clarksville has a cost index of 88. Nearby options include Nashville and Bowling Green, which offer useful comparison points.
What are the most expensive cost categories in Clarksville?
Like most US cities, housing is the single largest expense in Clarksville, typically accounting for 30-40% of household budgets. Insurance and home services tend to be the next most variable categories, influenced by southern climate conditions and state regulations.
Explore Clarksville in Depth
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