Quick answer
Chattanooga costs $230/month less overall ($1,780 vs $2,010/mo). Chattanooga also has lower state income tax (None vs 5.39%), widening the advantage for higher earners.
City Comparison · 2026
Chattanooga vs Savannah
Side-by-side on rent, home prices, taxes, walkability, jobs, and climate — with a straight verdict for each type of mover.
Last updated: April 23, 2026
Chattanooga vs Savannah at a Glance
| Metric | Chattanooga | Savannah |
|---|---|---|
| 1BR Monthly Rent | $1,250 ✓ | $1,750 |
| 2BR Monthly Rent | $1,550 ✓ | $1,750 |
| Median Home Price | $295K ✓ | $330K |
| Avg Utilities/mo | $155 ✓ | $170 |
| Avg Groceries/mo | $375 ✓ | $390 |
| Monthly Cost (1BR) | $1,780 ✓ | $2,010 |
| Walk Score | 41/100 | 45/100 ✓ |
| Transit Score | 24/100 | 29/100 ✓ |
| State Income Tax | None ✓ | 5.39% |
Monthly cost = 1BR rent + utilities + groceries for one person. ✓ marks the lower/better value.
Cost of Living: What the Numbers Actually Mean
Rent gap: Chattanooga's 1BR averages $1,250/month vs $1,450 in Savannah — a $200/month difference, or $2,400/year. That's a meaningful gap worth factoring into your decision.
State tax: Chattanooga charges None state income tax vs 5.39% in Savannah. On an $80K salary that's a $4,312/year difference. On $120K, the gap grows to $6,468 vs $0 — important context if you're choosing between tech job offers.
Home buying: Median homes in Chattanooga are $295K vs $330K in Savannah. At a 20% down payment, that's a $7,000 difference in upfront cash — significant at early-career savings rates.
Utilities: Savannah utilities run $15 more per month than Chattanooga.
Walkability, Transit & Daily Life
Chattanooga, TN
Chattanooga is partially walkable in denser neighborhoods but car-dependent in most areas.
TOP NEIGHBORHOODS
Savannah, GA
Savannah is partially walkable in denser neighborhoods but car-dependent in most areas.
TOP NEIGHBORHOODS
Climate
Chattanooga
Humid subtropical with mild winters; summer highs 88-90°F
Savannah
Subtropical: hot, humid summers (80–90°F); mild winters (40–55°F); significant rainfall; hurricane/tropical storm risk June–November
Job Market
Chattanooga top industries
Savannah top industries
Who Should Pick Which City
Move to Chattanooga if…
- →You're a Remote workers and digital nomads (gig-speed fiber)
- →You're a Manufacturing and automotive professionals
- →You're a Outdoor enthusiasts (mountain biking, hiking, river access)
- →You're a Cost-conscious families seeking affordability + amenities
- →You want zero state income tax
- →You're buying a home and want more for your money
Move to Savannah if…
- →You're a Artists and designers (SCAD alumni, creative economy)
- →You're a Aerospace and manufacturing professionals (Gulfstream)
- →You're a Southern charm seekers wanting walkable historic urban life
- →You're a Tourism/hospitality workers and business owners
Frequently Asked Questions
Is Chattanooga or Savannah cheaper to live in?
Chattanooga is cheaper overall. Monthly costs (1BR rent + utilities + groceries) run $1,780 in Chattanooga vs $2,010 in Savannah — a $230/month difference.
Which city is more walkable — Chattanooga or Savannah?
Savannah is more walkable with a Walk Score of 45/100 vs 41/100. Chattanooga is more car-dependent.
Chattanooga vs Savannah: which has lower state income tax?
Chattanooga has lower state income tax (None). On an $80K salary, that saves $4,312/year vs Savannah (5.39%).
Is Chattanooga or Savannah better for buying a home?
Chattanooga has lower median home prices at $295K vs $330K in Savannah — a $35,000 difference on the median home.