Flint wins overall by ~7% (COL index)
Cost of living: Flint vs Memphis (2026)
A $60,000 salary in Flint buys roughly what $64,675 does in Memphis (COL-adjusted). Your real trade-offs are taxes, rent, and day-to-day prices — we break them down and personalize below.
Your move simulator
Tell us about your household — we calculate your real annual savings.
Estimated annual swing
+$1,039/yr
Favoring Flint for this income & household (illustrative).
With an extra $87/mo in Flint, you could max a Roth IRA contribution faster and still grow your savings buffer.
Studio rent/mo
1BR rent/mo
2BR rent/mo
Median home price
Groceries index (100 = US avg)
Budget meal (1 person)
Mid-range dinner (2)
Monthly transit pass/mo
Gas price/gal
Car insurance/mo
Monthly utilities bundle/mo
Internet/mo
Median household income/yr
State income tax%
Sales tax (combined)%
Movie ticket
Gym membership/mo
Beer at restaurant
Overall COL index (100 = US avg)
Walk score / 100
| Category | Flint Michigan | Memphis Tennessee | Who wins | Your impact at $60K · 1br · 1 car |
|---|---|---|---|---|
| 🏠 HousingQ1 2026 | ||||
| Studio rent/mo | $700Wins | $900 | Flint wins +$200/mo | $2,400/yr saves in Flint |
| 1BR rent/mo | $880Wins | $1,100 | Flint wins +$220/mo | $2,640/yr saves in Flint |
| 2BR rent/mo | $1,150Wins | $1,400 | Flint wins +$250/mo | $3,000/yr saves in Flint |
| Median home price | $145KWins | $200K | Flint wins +$55K | — |
| 🛒 Food & GroceriesQ1 2026 | ||||
| Groceries index (100 = US avg) | 91Better | 94 | Flint wins +3 | — |
| Budget meal (1 person) | $10Wins | $12 | Flint wins +$2/mo | — |
| Mid-range dinner (2) | $42Wins | $48 | Flint wins +$6/mo | — |
| 🚌 TransportationQ1 2026 | ||||
| Monthly transit pass/mo | $48Wins | $55 | Flint wins +$7/mo | — |
| Gas price/gal | $3.10 | $3.00Better | Memphis wins −$0.10 | — |
| Car insurance/mo | $250 | $190Wins | Memphis wins −$60/mo | $720/yr saves in Memphis |
| ⚡ UtilitiesQ1 2026 | ||||
| Monthly utilities bundle/mo | $168Better | $170 | Flint wins +$2/mo | — |
| Internet/mo | $55Better | $55 | — | — |
| 💰 Income & TaxesQ1 2026 | ||||
| Median household income/yr | $35K | $42KWins | Memphis wins +$7K more/yr | — |
| State income tax% | 4.1% | 0.0%Wins | Memphis wins -4.1 pp | $2,460/yr saves in Memphis |
| Sales tax (combined)% | 6.0%Wins | 9.8% | Flint wins +3.8 pp | — |
| 🎬 LeisureQ1 2026 | ||||
| Movie ticket | $12.00Better | $13.00 | Flint wins +$1.00 | — |
| Gym membership/mo | $28Better | $30 | Flint wins +$2/mo | — |
| Beer at restaurant | $4.50Better | $5.00 | Flint wins +$0.50 | — |
| 📊 OverviewQ1 2026 | ||||
| Overall COL index (100 = US avg) | 77Better | 83 | Flint wins +6 | — |
| Walk score / 100 | 30 | 31Better | Memphis wins +1 more/yr | — |
Complete the Picture
While you’re comparing — don’t leave money on the table.
Tax-smart rewards
Turn ~$2,460/yr tax difference into cash back
Flint fits your move math — cash-back cards stack on groceries, gas, and dining you're already doing.
Home + auto bundle
New state — new insurance rates
Bundling often saves hundreds/yr. Compare before you sign a lease in Flint.
High-yield savings
Park ~$2,640/yr rent savings at 4–5%+ APY
Don't let relocation cash sit at 0% — put it to work until closing day.
More ways to compare this move
Ready to move?
Open the full interactive tool to add up to 5 cities, drop in your salary, and see rent burden.
Open full interactive toolComplete the Picture
While you’re comparing — don’t leave money on the table.
If cash is tight
Knock down high-interest debt first
A move has upfront costs — a balance transfer or personal loan can lower APR while you settle in.
If you're saving big
Invest the surplus on autopilot
Brokerages and robo-advisors help you dollar-cost average into the market with your new slack.
Frequently asked questions
Is Flint cheaper than Memphis?
Yes. Flint is 7% cheaper than Memphis based on overall cost of living indices (77 vs 83, where 100 = US average).
What is the average rent in Flint vs Memphis?
As of Q1 2026, the median 1-bedroom rent in Flint is $880/month and in Memphis is $1,100/month. Flint is cheaper by 20%.
How much do I need to earn in Memphis to match a $75,000 salary in Flint?
To maintain a similar lifestyle, you would need approximately $80,844/year in Memphis to match a $75,000 salary in Flint. This estimate is based on overall cost of living indices and does not account for individual spending patterns.
Which city has lower taxes — Flint or Memphis?
Memphis has the lower state income tax rate at 0% vs 4.1%. Memphis has no state income tax at all, which can save thousands of dollars per year depending on your income. Note that sales tax and local taxes also vary — see the full breakdown in the table above.
Is it worth moving from Flint to Memphis?
It depends on your priorities. Flint offers lower overall costs and tax advantages, but both cities have different job markets, weather, and lifestyle trade-offs. Use the comparison table above to evaluate rent, groceries, transportation, and income potential side by side based on your specific budget.
Data sourced from Zillow, BLS, Numbeo, Tax Foundation, and US Census ACS · Updated Q1 2026 · For general guidance only
More move scenarios
Planning a move?
Salary equivalent: Flint ↔ Memphis
How much would you need to earn in Memphis to match your Flint purchasing power?