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Central, TN
Full City Profile · Tennessee · Carter County County
3.3
/5.0
B
Good
1,944
Population
552/sq mi density
$42,292
Median Income
$25,164 per capita
$126,700
Home Value
$253,652 Zillow
$889
Median Rent
22.7% income on rent
56°F
Avg Temperature
305 sunny days/yr
B
Overall
3.3 / 5.0
Good overall score based on economy, affordability, safety and education
B
Economy
3.4 / 5.0
$42,292 median income, 3.2% unemployment
A+
Affordability
5.0 / 5.0
$126,700 home value, $889/mo rent
C+
Safety
2.5 / 5.0
0 violent crimes/100K
C
Education
2.1 / 5.0
14.2% bachelor's degree or higher
Cost Overview
Cost of Living Index
91.9
Below national average
100 = US average
Median Monthly Rent
$889
24% below US avg
Avg Annual Property Tax
$3,250
7% below US avg ($3,500)
Fair Market Rents (HUD FY2026)
Studio
$882
per month
1 Bedroom
$924
per month
2 Bedroom
$1,118
per month
3 Bedroom
$1,445
per month
4 Bedroom
$1,644
per month
Childcare Costs
Infant (Center)
$567/mo
$6,804/year
Toddler (Center)
$476/mo
$5,712/year
Preschool (Center)
$476/mo
$5,712/year
Infant (Family)
$393/mo
$4,716/year
Toddler (Family)
$422/mo
$5,064/year
Preschool (Family)
$422/mo
$5,064/year
Healthcare 40 services
| Doctor Visit (Primary Care) | $229.75 |
| Specialist Visit | $321.65 |
| Urgent Care Visit | $183.80 |
| Emergency Room Visit | $2,021.80 |
| Dental Cleaning | $119.47 |
| Dental Filling | $229.75 |
| Root Canal | $919.00 |
| Dental Crown | $1,102.80 |
| Tooth Extraction | $229.75 |
| Wisdom Teeth Removal | $1,378.50 |
| Teeth Whitening | $459.50 |
| Dental Implant | $3,676.00 |
| Eye Exam | $183.80 |
| Glasses (Prescription) | $321.65 |
| Contact Lenses (Annual) | $229.75 annual |
| LASIK (Per Eye) | $2,297.50 per eye |
| X-Ray | $229.75 |
| MRI | $1,378.50 |
| CT Scan | $1,102.80 |
| Ultrasound | $367.60 |
| Blood Test (Basic Panel) | $137.85 |
| Physical Therapy (Session) | $137.85 per session |
| Chiropractor Visit | $68.93 |
| Dermatologist Visit | $229.75 |
| Mental Health Therapy | $160.83 per session |
| Psychiatrist Visit | $275.70 |
| Colonoscopy | $2,297.50 |
| Mammogram | $275.70 |
| Knee Replacement | $32,165.00 |
| Hip Replacement | $29,408.00 |
| Cataract Surgery (Per Eye) | $3,216.50 per eye |
| ACL Surgery | $22,975.00 |
| Appendectomy | $13,785.00 |
| C-Section Delivery | $20,218.00 |
| Normal Childbirth | $11,947.00 |
| Flu Shot | $36.76 |
| COVID Test | $91.90 |
| Prescription (Generic, 30-day) | $13.79 per month |
| Prescription (Brand, 30-day) | $229.75 per month |
| Ambulance Ride | $1,102.80 |
Auto Repair 18 services
| Oil Change (Conventional) | $41.36 |
| Oil Change (Synthetic) | $68.93 |
| Brake Pad Replacement | $275.70 |
| Tire Rotation | $36.76 |
| New Tires (Set of 4) | $551.40 set of 4 |
| Battery Replacement | $183.80 |
| Transmission Repair | $2,757.00 |
| AC Repair | $459.50 |
| Windshield Replacement | $321.65 |
| Wheel Alignment | $91.90 |
| Spark Plug Replacement | $183.80 |
| Alternator Replacement | $459.50 |
| Timing Belt Replacement | $643.30 |
| Car Detailing (Full) | $183.80 |
| Towing (Per Mile) | $4.60 per mile |
| State Inspection | $27.57 |
| Emissions Test | $45.95 |
| Check Engine Diagnostic | $91.90 |
Home Services 25 services
| Plumber (Per Hour) | $91.90 per hour |
| Electrician (Per Hour) | $82.71 per hour |
| HVAC Repair | $367.60 |
| HVAC System Install | $6,433.00 |
| Roof Repair | $919.00 |
| Roof Replacement | $8,271.00 |
| Interior Painting (Avg Home) | $2,297.50 |
| Exterior Painting (Avg Home) | $3,216.50 |
| Pest Control (One-Time) | $183.80 |
| Pest Control (Annual Plan) | $459.50 annual |
| Carpet Cleaning (3 Rooms) | $160.83 |
| Lawn Mowing (Per Visit) | $45.95 per visit |
| Lawn Care (Monthly) | $137.85 monthly |
| Tree Removal | $735.20 |
| Gutter Cleaning | $183.80 |
| Pressure Washing (House) | $275.70 |
| Foundation Repair | $4,595.00 |
| Kitchen Remodel (Mid-Range) | $27,570.00 |
| Bathroom Remodel (Mid-Range) | $11,028.00 |
| Flooring Install | $7.35 per sq ft |
| Window Replacement | $597.35 per window |
| Fence Install (Wood) | $27.57 per ft |
| Garage Door Replacement | $1,102.80 |
| Water Heater Replacement | $1,378.50 |
| Septic Tank Pumping | $367.60 |
Legal 12 services
| Divorce (Uncontested) | $1,378.50 |
| Divorce (Contested) | $13,785.00 |
| DUI Defense | $4,595.00 |
| Bankruptcy (Chapter 7) | $1,378.50 |
| Will Preparation | $459.50 |
| Trust Preparation | $2,297.50 |
| Real Estate Closing | $1,838.00 |
| Traffic Ticket Defense | $275.70 |
| LLC Formation | $459.50 |
| Immigration Consultation | $275.70 |
| Criminal Defense (Misdemeanor) | $2,757.00 |
| Personal Injury (Contingency) | $30.33 % of settlement |
Personal Care 12 services
| Men's Haircut | $22.98 |
| Women's Haircut | $50.55 |
| Hair Coloring (Full) | $137.85 |
| Manicure | $22.98 |
| Pedicure | $36.76 |
| Massage (1 Hour) | $73.52 per session |
| Facial Treatment | $91.90 |
| Gym Membership | $45.95 monthly |
| Personal Trainer (Session) | $64.33 per session |
| Dry Cleaning (Suit) | $13.79 |
| Laundromat (Per Load) | $3.68 per load |
| Spa Day Package | $229.75 |
Food & Grocery 20 services
| Gallon of Milk | $3.77 per gallon |
| Dozen Eggs | $3.22 per dozen |
| Loaf of Bread | $3.49 |
| Chicken Breast | $4.14 per lb |
| Ground Beef | $5.05 per lb |
| Rice | $0.92 per lb |
| Bananas | $0.60 per lb |
| Apples | $1.65 per lb |
| Coffee | $6.89 per lb |
| Gasoline | $3.22 per gallon |
| Fast Food Meal | $9.19 |
| Restaurant Meal (Casual) | $16.54 |
| Restaurant Meal (Fine Dining) | $55.14 |
| Pizza Delivery (Large) | $16.54 |
| Coffee (Cafe Latte) | $5.05 |
| Beer (6-Pack Domestic) | $9.19 |
| Wine (750ml, Mid-Range) | $13.79 |
| Cigarettes (Pack) | $7.81 per pack |
| Baby Formula (Can) | $22.98 |
| Dog Food (Monthly) | $45.95 monthly |
Utilities 8 services
| Electricity (Monthly) | $128.66 monthly |
| Natural Gas (Monthly) | $64.33 monthly |
| Water/Sewer (Monthly) | $64.33 monthly |
| Internet (Monthly) | $64.33 monthly |
| Cell Phone Plan (Monthly) | $59.74 monthly |
| Cable TV (Monthly) | $78.12 monthly |
| Trash Collection (Monthly) | $32.17 monthly |
| Home Insurance (Annual) | $1,838.00 annual |
Transportation 8 services
| Monthly Parking (Downtown) | $183.80 monthly |
| Car Insurance (Annual) | $1,838.00 annual |
| Bus Pass (Monthly) | $64.33 monthly |
| Taxi/Uber (5-Mile Ride) | $13.79 |
| Car Registration (Annual) | $91.90 annual |
| Driver's License Renewal | $27.57 |
| Tolls (Monthly Commuter) | $45.95 monthly |
| Vehicle Property Tax (Annual) | $367.60 annual |
Education & Childcare 8 services
| Daycare (Infant, Monthly) | $1,102.80 monthly |
| Daycare (Toddler, Monthly) | $919.00 monthly |
| After-School Care (Monthly) | $367.60 monthly |
| Tutoring (Per Hour) | $45.95 per hour |
| SAT/ACT Prep Course | $919.00 |
| Private School (K-12, Annual) | $11,487.50 annual |
| Community College (Annual) | $3,676.00 annual |
| State University (Annual) | $9,190.00 annual |
Pets 9 services
| Vet Visit (Routine Checkup) | $55.14 |
| Dog Vaccination (Annual) | $91.90 annual |
| Dog Grooming | $55.14 |
| Pet Boarding (Per Night) | $36.76 per night |
| Dog Spay/Neuter | $275.70 |
| Cat Spay/Neuter | $183.80 |
| Pet Emergency Visit | $735.20 |
| Dental Cleaning (Dog) | $367.60 |
| Microchipping | $45.95 |
Complete Cost Data
Housing Costs
| Cost of Living Index | 91.9 |
| Median Rent | $889 |
| Rent Burden | 22.7% |
| Property Tax (IRS) | $3,250 |
| FMR Studio | $882 |
| FMR 1-Bedroom | $924 |
| FMR 2-Bedroom | $1,118 |
| FMR 3-Bedroom | $1,445 |
| FMR 4-Bedroom | $1,644 |
Childcare (Monthly)
| Infant (Center) | $567 |
| Toddler (Center) | $476 |
| Preschool (Center) | $476 |
| Infant (Family) | $393 |
| Toddler (Family) | $422 |
| Preschool (Family) | $422 |
Income Context
| Median Income | $42,292 |
| Per Capita Income | $25,164 |
| IRS Avg AGI | $55,024 |