Tennessee · Census, HUD and BEA figures · Updated

Cost of Living in DeKalb County, TN

Prices around DeKalb County, TN run 8.1% below the U.S. average (BEA, Tennessee). The typical household there earns $53,153 a year, and HUD puts a two-bedroom at $953 a month. Keeping that rent under 30% of income takes about $38,120 a year.

DeKalb County, TN at a glance

Median household income

$53,153$4,429 per month · U.S. Census Bureau ACS 5-Year
2-bedroom rent$953HUD FY2026 Fair Market Rent
Price level (U.S. = 100)91.9-8.1% · BEA, Tennessee
Electricity14.1¢per kWh · EIA Residential TN
Population20,959Census ACS 5-year estimate

How much rent can you afford in DeKalb 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$953Monthly market rent
Share of gross income21.5%Recommended max: 30%
Annual income needed$38,120To meet the 30% standard
Max affordable rent$1,329At 30% of $53,153
0%30% (Affordability standard)100%
Compare against:

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

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

HUD Fair Market Rent in DeKalb County, TN, fiscal 2026
Unit SizeMonthly RentAnnual Rent30% Rule Min. Income% of Median Income
Studio / Efficiency$722$8,664$28,88016.3%
1-Bedroom Apartment$726$8,712$29,04016.4%
2-Bedroom ApartmentBenchmark$953$11,436$38,12021.5%
3-Bedroom Home$1,143$13,716$45,72025.8%
4-Bedroom Home$1,532$18,384$61,28034.6%

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

What a typical income covers in DeKalb County, TN

The 50/30/20 rule applied to the local median of $53,153 a year ($4,429 a month before tax).

Needs (50%)$2,215/moRent ($953 2-BR), utilities (~$127/mo), groceries, transit
Wants (30%)$1,329/moEating out, travel, subscriptions and the rest
Savings and debt (20%)$886/moEmergency fund, retirement, paying down loans

What $53,153 leaves after Tennessee taxes

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

$53,153
$20,000$110,000
Filing status:
Gross salary breakdown$53,153
Net 84%
Fed 8%
FICA 8%
Annual take-home$44,888After all taxes
Monthly deposit$3,741Estimated per month
Biweekly paycheck$1,726Every 2 weeks (26/yr)
Effective tax rate15.6%Total tax burden
Federal income tax$4,198 / yr
Tennessee state income taxNo state wage tax$0
FICA (Social Security & Medicare)$4,066 / yr

Living in DeKalb County, TN: common questions

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

According to the latest U.S. Census Bureau ACS 5-Year survey, the median household income in DeKalb County, TN is $53,153 per year (approximately $4,429 per month).

What is the average rent in DeKalb County, TN?

The closest official figure is HUD's Fair Market Rent for 2026: $722 for a studio, $726 for one bedroom, $953 for two, $1,143 for three and $1,532 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 DeKalb County, TN expensive to live in?

Prices there run 8.1% below the U.S. average. BEA's regional price parity for Tennessee is 91.9, 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 DeKalb County, TN?

To keep a $953 two-bedroom under 30% of gross income, a household needs about $38,120 a year, or $3,177 a month. That is 72% of what the typical household in DeKalb County, TN earns.

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

On the local median income of $53,153 ($4,429 a month before tax), the 50/30/20 rule leaves $2,215 a month for needs like rent, utilities and groceries, $1,329 for everything else and $886 for savings or debt. A two-bedroom at $953 takes 43% of the needs share.

How much is the electric bill in DeKalb 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.