Tennessee · Census, HUD and BEA figures · Updated

Cost of Living in Campbell County, TN

Prices around Campbell County, TN run 7.4% below the U.S. average (BEA, the metro area). The typical household there earns $51,557 a year, and HUD puts a two-bedroom at $947 a month. Keeping that rent under 30% of income takes about $37,880 a year.

Campbell County, TN at a glance

Median household income

$51,557$4,296 per month · U.S. Census Bureau ACS 5-Year
2-bedroom rent$947HUD FY2026 Fair Market Rent
Price level (U.S. = 100)92.6-7.4% · BEA, the metro area
Electricity14.1¢per kWh · EIA Residential TN
Population39,761Census ACS 5-year estimate

How much rent can you afford in Campbell County, TN?

HUD’s fair market rent for each size, against what a typical household here earns. Change the income to see yours.

Affordable (< 30% of income)
HUD Fair Market Rent$947Monthly market rent
Share of gross income22%Recommended max: 30%
Annual income needed$37,880To meet the 30% standard
Max affordable rent$1,289At 30% of $51,557
0%30% (Affordability standard)100%
Compare against:

How much is rent in Campbell County, TN? By bedroom, 2026

HUD's fiscal 2026 Fair Market Rents for Campbell County, TN HUD Metro FMR Area, with the income each one takes if rent stays under 30% of it.

HUD Fair Market Rent in Campbell County, TN, fiscal 2026
Unit SizeMonthly RentAnnual Rent30% Rule Min. Income% of Median Income
Studio / Efficiency$717$8,604$28,68016.7%
1-Bedroom Apartment$722$8,664$28,88016.8%
2-Bedroom ApartmentBenchmark$947$11,364$37,88022%
3-Bedroom Home$1,249$14,988$49,96029.1%
4-Bedroom Home$1,254$15,048$50,16029.2%

Rent in Campbell County, TN, with the wage each unit needs →

What a typical income covers in Campbell County, TN

The 50/30/20 rule applied to the local median of $51,557 a year ($4,296 a month before tax).

Needs (50%)$2,148/moRent ($947 2-BR), utilities (~$127/mo), groceries, transit
Wants (30%)$1,289/moEating out, travel, subscriptions and the rest
Savings and debt (20%)$859/moEmergency fund, retirement, paying down loans

What $51,557 leaves after Tennessee taxes

Federal income tax, Social Security, Medicare and Tennessee tax on the local median income. Change the salary to see yours.

$51,557
$20,000$105,000
Filing status:
Gross salary breakdown$51,557
Net 85%
Fed 8%
FICA 8%
Annual take-home$43,606After all taxes
Monthly deposit$3,634Estimated per month
Biweekly paycheck$1,677Every 2 weeks (26/yr)
Effective tax rate15.4%Total tax burden
Federal income tax$4,007 / yr
Tennessee state income taxNo state wage tax$0
FICA (Social Security & Medicare)$3,944 / yr

Living in Campbell County, TN: common questions

What is the median household income in Campbell County, TN?

According to the latest U.S. Census Bureau ACS 5-Year survey, the median household income in Campbell County, TN is $51,557 per year (approximately $4,296 per month).

What is the average rent in Campbell County, TN?

The closest official figure is HUD's Fair Market Rent for 2026: $717 for a studio, $722 for one bedroom, $947 for two, $1,249 for three and $1,254 for four, utilities included.

It is not an average of listings. HUD sets it at the rent 40% of recent movers paid or less for a standard unit, so a new lease on a nicer place will usually cost more.

Is Campbell County, TN expensive to live in?

Prices there run 7.4% below the U.S. average. BEA's regional price parity for the metro area is 92.6, where the U.S. is 100. Rent moves the number most: housing is where places differ, while goods cost about the same everywhere.

How much do you need to earn to comfortably afford rent in Campbell County, TN?

To keep a $947 two-bedroom under 30% of gross income, a household needs about $37,880 a year, or $3,157 a month. That is 73% of what the typical household in Campbell County, TN earns.

How much do you need to live comfortably in Campbell County, TN?

On the local median income of $51,557 ($4,296 a month before tax), the 50/30/20 rule leaves $2,148 a month for needs like rent, utilities and groceries, $1,289 for everything else and $859 for savings or debt. A two-bedroom at $947 takes 44% of the needs share.

How much is the electric bill in Campbell County, TN?

Homes in Tennessee paid 14.1¢ per kWh on average (EIA). At 900 kWh a month, a typical use, that is about $127. Your bill depends mostly on heating and cooling.