City comparison
Chattanooga, TN vs Hartford, CT
What a paycheck is really worth in each city: prices, rent and state taxes.
Key findings
- Prices in Hartford, CT are 12.3% higher than in Chattanooga, TN. Someone earning $100,000 in Chattanooga, TN would need about $112,300 in Hartford, CT to live the same way.
- Rent differs too: a typical 1-bedroom costs $1,477 a month in Hartford, CT versus $1,263 in Chattanooga, TN. On $100,000, that's 24% of take-home pay in Hartford, CT and 19% in Chattanooga, TN.
- On $100,000, estimated state income tax is about $3,925 a year higher in Hartford, CT than in Chattanooga, TN.
- For federal employees, locality pay changes a GS-13 step 1 salary by +12.8% moving from Chattanooga, TN to Hartford, CT ($106,437 → $120,094), while prices change by +12.3%. Net effect of the transfer: +0.4% in real buying power.
- Chattanooga, TN: price level 91.5 (much cheaper)
- Hartford, CT: price level 102.7 (pricier)
Map drawn from Census Bureau state boundaries and metro locations9,10; dot colours show BEA price levels2.
Side by side
| Chattanooga, TN | Hartford, CT | |
|---|---|---|
| Price level (U.S. = 100)2 | 91.5 | 102.7 |
| $100,000 is worth, in the other city2 | $112,335 in Hartford | $89,020 in Chattanooga |
| Typical 1-bedroom rent3 | $1,263/mo | $1,477/mo |
| Take-home on $100,00014,15,8 | $79,180 | $75,255 |
| State income tax on $100,000 (estimate)8 | $0 (TN) | $3,925 (CT) |
| Rent burden on $100,000 | 19% | 24% |
| Median pay, all jobs4 | $46,700 | $59,940 |
| Federal locality pay area7 | Rest of U.S. | Hartford-East Hartford, CT-MA |
Rent areas: Chattanooga, TN-GA MSA and Hartford-West Hartford-East Hartford, CT MSA. Metro areas: Chattanooga, TN-GA and Hartford-West Hartford-East Hartford, CT.
What costs more or less
| Price level (U.S. = 100) | Chattanooga | Hartford |
|---|---|---|
| Housing (rent) | 76.5 | 110.2 |
| Goods | 96.0 | 97.3 |
| Utilities | 74.2 | 144.9 |
| Other services | 95.3 | 102.7 |
| Overall | 91.5 | 102.7 |
Moving with the same $100,000 salary
Chattanooga, TN → Hartford, CT
Same pay buys less
Buying power −11.0%; rent takes 24% of take-home; state tax +$3,925/yr.
38 Weak offer
Hartford, CT → Chattanooga, TN
Same pay goes further
Buying power +12.3%; rent takes 19% of take-home; state tax −$3,925/yr.
100 Strong offer
On the GS pay scale?
Chattanooga, TN is in the Rest of U.S. pay area; Hartford, CT is in Hartford-East Hartford, CT-MA. The last column shows what a transfer from Chattanooga, TN to Hartford, CT at the same grade and step does to real buying power.
| Grade5,2 | Chattanooga, TN | Hartford, CT | Real change, Chattanooga → Hartford |
|---|---|---|---|
| GS-9 step 1 | $61,722 | $69,642 | +0.4% |
| GS-11 step 1 | $74,678 | $84,260 | +0.4% |
| GS-12 step 1 | $89,508 | $100,992 | +0.4% |
| GS-13 step 1 | $106,437 | $120,094 | +0.4% |
| GS-14 step 1 | $125,776 | $141,915 | +0.4% |
Pay for common jobs
| Median annual pay4 | Chattanooga, TN | Hartford, CT | Hartford pay in Chattanooga dollars |
|---|---|---|---|
| Elementary School Teachers, Except Special Education | $59,830 | $79,800 | $71,038 (+18.7%) |
| Software Developers | $106,750 | $132,520 | $117,969 (+10.5%) |
| Accountants and Auditors | $76,680 | $95,940 | $85,405 (+11.4%) |
| Registered Nurses | $79,770 | $101,470 | $90,328 (+13.2%) |
"Not published" means BLS doesn't release an estimate for that job in that metro.