Moving from Cincinnati to Memphis?
Here's what you'd need to earn to maintain your lifestyle.
To maintain your Cincinnati lifestyle in Memphis, you'd need to earn:
$72,491/year
▼ $2,509 less than you make now
| Category | Cincinnati | Memphis |
|---|---|---|
| Salary | $75,000 | $72,491 |
| Federal Income Tax | -$8,114 | -$7,562 |
| Social Security | -$4,650 | -$4,494 |
| Medicare | -$1,088 | -$1,051 |
| State Tax | -$1,346 | -$0 |
| Take-Home Pay | $59,802 | $59,383 |
Why the difference
- Cost of living is -3.3% in Memphis
- Housing is -8.9% in Memphis
- At the same $75,000 salary, you'd save $1,346/year in taxes in Memphis
Estimated Moving Costs
Distance: ~409 miles
DIY Truck
$2,000
Container
$3,500
Full-Service
$5,000
Salary Equivalents: Cincinnati to Memphis
| Your Cincinnati Salary | Memphis Equivalent | Difference | Memphis Take-Home |
|---|---|---|---|
| $40,000 | $38,662 | -$1,338 | $33,103 |
| $50,000 | $48,327 | -$1,673 | $40,869 |
| $60,000 | $57,992 | -$2,008 | $48,635 |
| $75,000 | $72,491 | -$2,509 | $59,383 |
| $100,000 | $96,654 | -$3,346 | $76,382 |
| $150,000 | $144,981 | -$5,019 | $109,848 |
Single filer, 2025 tax brackets, standard deduction. Equivalents based on BEA Regional Price Parities.
How Cincinnati and Memphis Compare
Housing (9% cheaper in Memphis)
The average 1-bedroom apartment in Memphis rents for $950/month compared to $1,080/month in Cincinnati. Median home prices: $236,000 in Memphis vs $260,000 in Cincinnati.
Taxes
Ohio has a progressive state income tax from 0.0% to 3.5%. Tennessee has no state income tax. On a $75,000 salary, moving to Memphis would save you about $1,346/year in taxes alone.
Overall Cost of Living
Memphis's overall cost of living is 3.3% lower than Cincinnati, based on the BEA Regional Price Parity index (where 100 = national average).Cincinnati: 95.4, Memphis: 92.2.
Plan Your Move
Get Free Moving Quotes
Compare rates from licensed movers for your Cincinnati to Memphis move. Average cost: $2,000–$5,000.
Compare Moving Quotes →Find Apartments in Memphis
Average 1BR rent in Memphis: $950/month. Browse available listings.
Search Apartments →High-Yield Savings
Park your moving fund in a 4.5%+ APY savings account while you plan your relocation.
Compare Savings Rates →