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:
$70,264/year
▼ $4,736 less than you make now
| Category | Cincinnati | Memphis |
|---|---|---|
| Salary | $75,000 | $70,264 |
| Federal Income Tax | -$8,114 | -$7,072 |
| Social Security | -$4,650 | -$4,356 |
| Medicare | -$1,088 | -$1,019 |
| State Tax | -$1,346 | -$0 |
| Take-Home Pay | $59,802 | $57,817 |
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 | $38,144 | -$1,856 | $32,687 |
| $50,000 | $47,475 | -$2,525 | $40,185 |
| $60,000 | $56,806 | -$3,194 | $47,682 |
| $75,000 | $70,264 | -$4,736 | $57,817 |
| $100,000 | $93,472 | -$6,528 | $74,144 |
| $150,000 | $139,111 | -$10,889 | $105,835 |
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 →