To keep the same standard of living as $100,000 in Atlanta, you'd need about $91,600 in Memphis — a $8,400 saving per year.
Estimated monthly spending for a middle-income household, adjusted by each metro's BEA price level.
The salary you'd need in Memphis to maintain the same purchasing power as each income level in Atlanta, using the BEA price ratio of 0.916.
| Salary in Atlanta | Equivalent in Memphis | Difference |
|---|---|---|
| $50,000 | $45,800 | −$4,200 |
| $75,000 | $68,700 | −$6,300 |
| $100,000 | $91,600 | −$8,400 |
| $150,000 | $137,400 | −$12,600 |
| $200,000 | $183,200 | −$16,800 |
Moving from Atlanta, GA to Memphis, TN means your everyday costs are cheaper by roughly 8.4%. The U.S. Bureau of Economic Analysis measures Atlanta's overall price level at 100.9 and Memphis's at 92.4, where 100 represents the national average. In practical terms, a household spending $5,147 per month in Atlanta would spend about $4,687 for the equivalent lifestyle in Memphis — a swing of $460 every month, or $5,520 per year.
Housing is the decisive factor. Estimated monthly housing runs $2,134 in Atlanta against $1,813 in Memphis. Because rent and mortgage costs vary far more between metros than groceries or utilities, the housing line alone accounts for most of the 8.4% gap.
For salary negotiation or a remote-work relocation, the key number is the equivalent salary. A $100,000 income in Atlanta has the same purchasing power as $91,600 in Memphis. Looked at the other way, $100,000 in Memphis is worth about $109,200 in Atlanta terms. Use the Cost of Living Calculator to plug in your own expenses.
Price levels don't include income tax, which can significantly swing your real take-home pay — especially between GA and TN.
Memphis is 8.4% cheaper than Atlanta overall. Based on the U.S. Bureau of Economic Analysis Regional Price Parities (2023), Atlanta has a price level of 100.9 versus 92.4 for Memphis, where 100 equals the national average.
To maintain the same purchasing power as a $100,000 salary in Atlanta, you would need about $91,600 in Memphis — a difference of $8,400 per year.
Estimated monthly housing runs about $2,134 in Atlanta versus $1,813 in Memphis. Housing is the single biggest driver of the cost-of-living gap between the two metros.
Sources & methodology
Price levels use the U.S. Bureau of Economic Analysis Regional Price Parities for metropolitan areas (2023, the most recent metro-level release). Atlanta maps to the Atlanta-Sandy Springs-Alpharetta, GA MSA; Memphis maps to the Memphis, TN-MS-AR MSA. Category spending baselines come from the U.S. Bureau of Labor Statistics Consumer Expenditure Survey. Category-level figures are modeled estimates and are illustrative; actual costs vary by household. This is a planning tool, not financial advice.
