Median rent is 47% lower in Memphis ($1,181/mo vs $2,229/mo). Buying is cheaper in Memphis, where the median home runs $169,000 versus $758,700. Households earn more in Chula Vista ($108,032 vs $51,736 a year). Taken together, Memphis is the more affordable choice with a cost index of 91.9 against 110.7 — about 17% lower overall prices. After adjusting income for local prices, a typical paycheck stretches further in Chula Vista, CA.
Cost of living verdict
Memphis is 17% cheaper overall
Cost of Living Index: 91.9 in Memphis vs 110.7 in Chula Vista (US national average = 100)
City A
Chula Vista, CA
City B
Memphis, TN
How much would you need to earn in Memphis, TN to maintain your standard of living from Chula Vista, CA?
Equivalent salary in Memphis, TN
$62,272
You could earn $12,728 less (17% lower) and break even.
Based on BEA Regional Price Parity (cost index) for each metro area. This estimates overall purchasing power; it does not account for taxes or take-home pay differences.
Metric
Chula Vista
California
Memphis
Tennessee
Population
Median Household Income
Annual
Median Gross Rent
Per month
Median Home Value
Cost of Living Index
US avg = 100
1BR Fair Market Rent
HUD FMR
2BR Fair Market Rent
HUD FMR
3BR Fair Market Rent
HUD FMR
Air Quality Index
Lower = cleaner
Top State Income Tax
Top marginal rate
State Sales Tax
Statewide base rate
Median Age
Years
✓ = better value · Sources: Census ACS, BEA, HUD Fair Market Rents, EPA AirNow, Tax Foundation
Renters will find significantly cheaper housing in Memphis — median rent of $1,181/mo versus $2,229/mo in Chula Vista, a 47% difference. Home buyers face a steeper market in Chula Vista: the median home is $758,700 versus $169,000 in Memphis — 78% more expensive.
1BR Fair Market Rent
2BR Fair Market Rent
BLS OEWS 2023 — metro-level data
State tax data is not yet available for these cities.
Chula Vista
Income tax: N/A
Sales tax: N/A
Memphis
Income tax: N/A
Sales tax: N/A
Memphis has cleaner air on average: 19.0 AQI (Good) compared to 57.0 AQI (Moderate) in the other city. Lower AQI means cleaner, healthier air.
Pick Memphis if you prioritize lower overall cost of living (index 91.9 vs 110.7).
Pick Chula Vista if you prioritize higher median household income ($108,032/yr).
Pick Memphis if you prioritize cheaper rent ($1,181/mo median).
Pick Memphis if you prioritize cleaner air quality (avg AQI 19.0).
Is Chula Vista cheaper than Memphis?
Memphis is cheaper overall, with a cost of living index of 91.9 versus 110.7 (US average = 100). That means prices run about 17% lower in Memphis.
How much is rent in Chula Vista vs Memphis?
Median rent is $2,229/mo in Chula Vista, CA and $1,181/mo in Memphis, TN. Memphis, TN has the lower rent by about 47%.
Which has higher salaries — Chula Vista or Memphis?
Median household income is $108,032 in Chula Vista, CA and $51,736 in Memphis, TN. Chula Vista, CA has the higher median income. Note that BLS occupational wages in the table above show wages for specific jobs.
Which city has better air quality?
Memphis, TN has better air quality on average: 19.0 AQI versus 57.0 AQI. Both are EPA AirNow annual averages; lower is better.
Which has lower taxes — Chula Vista or Memphis?
State tax data is not yet available for one or both cities.
What salary do I need in Memphis to match my Chula Vista income?
To maintain the same purchasing power, a salary of $100,000 in Chula Vista, CA is equivalent to roughly $83,029 in Memphis, TN (using the BEA Regional Price Parity ratio). Use the salary calculator above for any income amount.
Data last updated: December 1, 2026 · Sources: US Census ACS, BEA RPP, BLS OEWS, HUD FMR, EPA AirNow, Tax Foundation · Methodology
