Cost of Living in La Vergne
La Vergne runs genuinely affordable relative to the US national housing median, paired with Tennessee's zero state income tax -- though the state's near-highest-in-the-nation sales tax and a real, disclosed disagreement between housing-price sources are worth weighing against that headline affordability.
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Learn moreHousing priced below the national median, though sources disagree on direction
Redfin cited a $380,000 median sale price, up 4% year over year, while Zillow's separate average home value ran lower at $347,301 and DOWN 1.9% over the past year -- a real, disclosed disagreement in direction, not just level. Either figure sits below the roughly $410,000-$420,000 US national median cited across recent housing reports, and La Vergne is separately cited as the most affordable city within Rutherford County itself.
Zero state income tax, offset by a 9.75% combined sales tax
Tennessee levies no state income tax on wages, retirement income, or Social Security. That comes with a real offsetting cost: Rutherford County's 2.75% local-option sales tax on top of the state's 7% rate produces a 9.75% combined rate -- slightly above Tennessee's own ~9.61% statewide average, itself the second-highest combined rate in the nation after Louisiana.
Homeowners insurance runs notably below the Tennessee statewide average
A place-specific quote aggregator cited La Vergne homeowners insurance at roughly $686-$930 per year -- well below Tennessee's statewide $3,408/year average (LendingTree, June 2026, 7th-highest in the nation). Get a property-specific quote rather than relying on either figure alone, since the gap between the two is real and disclosed rather than reconciled.
A genuinely disputed median household income figure
World Population Review/Point2Homes cite a $81,313 median household income (15.09% poverty rate); a lower-confidence real-estate-blog source separately cited a notably lower $65,000 figure while describing La Vergne's 'working-class roots.' Both are disclosed rather than reconciled to one number, since neither source stated a clearly comparable methodology.
Key takeaways
- Housing runs below the US national median either way, though Redfin ($380,000, up 4% YoY) and Zillow ($347,301, down 1.9% YoY) disagree in direction -- a real, disclosed gap, not a data error.
- Zero state income tax is a real structural advantage, offset by a 9.75% combined sales tax -- above Tennessee's own already second-highest-in-the-nation statewide average.
- Homeowners insurance is cited well below the Tennessee statewide average ($686-$930/year vs. $3,408/year statewide) -- get a property-specific quote.
- Median household income is genuinely disputed between sources ($81,313 vs. $65,000) -- not reconciled this pass.
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