Retirement Lists

Cost of Living in Clarksville, Tennessee

Downtown Clarksville Tennessee
Photo by GatewayPolitics via Wikimedia Commons, CC BY-SA 4.0

Clarksville costs

A citywide median is only the first line of the budget

Census estimates for 2020 through 2024 place median owner value at $263,600, median gross rent at $1,307, and median selected owner costs at $1,541 with a mortgage and $480 without one. These figures are useful comparisons, not current quotes for a particular neighborhood.

A complete Clarksville budget should include taxes, insurance, utilities, repairs, transportation, care, prescriptions, flood coverage, and the cost of reaching family or specialists.

Planning a monthly budget

A local monthly estimate of $3,009 gives you the starting point, with transportation taking the largest share.

Housing
$1,049
Utilities (in rent)
$225
Food
$460/mo
Transportation
$1,064/mo
Healthcare
$436

Utilities are included in housing so they are not added twice. The separate Utilities row is a reference estimate.

How the total can change

A traveler style stay, a couple household, and long term rent answer different planning questions.

Comfortable Living
$4,280

Good

Cost of Living for Couple
$4,355

Very Good

Typical 1BR Rent
$1,049

Very Good

Everyday expenses

Dining, transportation, taxes, and car needs can change how the monthly budget feels.

Dining Out
$225/mo

Excellent

Need for a Car
Required
Property Taxes
Low

Good

Overall Feel
Good
Residents 65+ Below Poverty Level
6.7%
65+ Householder — Renter Occupied
24.2%
65+ Households With High Housing Costs
24.9%
Median Household Income, Householder 65+
$57,354

Could Clarksville fit your monthly retirement budget?

Compare your monthly budget with a city estimate. Add your expected housing amount when you have a more useful number.

Housing

Enter your expected rent and required housing charges, or leave this blank to use the current renter amount.

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Starting renter estimates

Use these broad monthly estimates as a starting point, then replace them with costs you know.

One person
$3,009 per month
Two people
$4,355 per month

One-person estimate breakdown

Housing
$1,049
Food
$460
Transportation
$1,064
Healthcare
$436

Taxes, debt, insurance, out-of-pocket care, travel, and one-time moving costs may not be included.

Clarksville in everyday life

Could Clarksville work for you?

What may work well

  • Census provides clear city housing benchmarks.
  • A large service base may support varied errands and care.

What to think about

  • Citywide numbers hide neighborhood differences.
  • Flood coverage and repairs may materially change costs.

Price a Clarksville household

  1. Compare several addresses

    Keep housing, taxes, insurance, utilities, repairs, and flood questions visible for each home.

  2. Map recurring trips

    Price care, groceries, pharmacy, family, transit, parking, and specialist travel from the exact address.

  3. Match the budget to income

    Compare the full monthly cost with the household's actual income and reserves.

Questions retirees ask

Is $480 the full cost of owning without a mortgage?

No. It is the Census median for selected owner costs without a mortgage. Add taxes, insurance, utilities, repairs, flood coverage, and care.

Why can two homes have different budgets?

Distance, taxes, insurance, drainage, utilities, parking, traffic, and neighborhood services vary across a large city.

Clarksville's Census benchmarks can anchor a budget, but the address decides whether taxes, flood planning, transportation, care, and repairs keep the home sustainable.

Sources

The budget value gives a starting point for everyday spending. Housing, healthcare, safety, and climate can change what feels comfortable for a household.

Housing mix, exchange rates, healthcare needs, car ownership, and travel style can move a real monthly budget materially.

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How this city research is made

Retirement Lists uses documented public sources and methods to research, review, and correct city information. Read our Editorial Policy.