Home/Compare Cities/Memphis vs Little Rock

Memphis vs Little Rock

Memphis, TN  ·  Little Rock, AR

TL;DR

Memphis cost-of-living index is 84 vs 85 for Little Rock (US = 100). Median home: $195,000 vs $195,000. Median rent: $908/mo vs $825/mo.

Source: Zillow ZHVI/ZORI · Census ACS, 2026-04-19

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Memphis and Little Rock have similar costs of living.

Written by Jere Salmisto, Founder & Quantitative Systems Builder, CalcFi·Reviewed by CalcFi Editorial·Last reviewed 2026-04-19

Home Price

Memphis: $195,000

Little: $195,000

Monthly Rent

Memphis: $908/mo

Little: $825/mo

COL Index

Memphis: 84

Little: 85

Median Income

Memphis: $50,200

Little: $56,600

Side-by-Side Comparison

Metric
Memphis
Little Rock
Winner
🏠

Median Home Price

$195,000
$195,000
Tied
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Monthly Rent (Median)

$908/mo
$825/mo
Little Rock
💰

Median Household Income

$50,200
$56,600
Little Rock
📋

Property Tax Rate

0.69%
0.63%
Little Rock
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Cost of Living Index

100 = national average

84
85
Memphis
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Avg. Commute

24 min
22 min
Little Rock
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Unemployment Rate

5.4%
3.8%
Little Rock
👥

Median Age

35.4 yrs
36.2 yrs
Little Rock

What This Means For You

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Buying Power

A $100,000 salary in Memphis has the same purchasing power as $101,190 in Little Rock — based on each city's cost of living index.

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Housing

Home prices are similar in both cities — within 1% of each other.

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Renting

Renting in Little Rock saves you $83/month — $996 per year. Median rent: $908/mo in Memphis vs $825/mo in Little Rock.

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Property Taxes

On a median-priced home, Memphis owners pay roughly $1,346/year in property taxes vs $1,229/year in Little Rock. That's a $117 annual difference.

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Local Earnings

Median household income is $50,200 in Memphis and $56,600 in Little Rock. Memphis residents earn 13% more — but remember to factor in cost of living.

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Daily Commute

Average commute is 24 minutes in Memphis vs 22 minutes in Little Rock. Commute times are nearly identical.

Salary Equivalence

To maintain the same lifestyle when moving from Memphis to Little Rock, here's the salary you'd need:

Salary in MemphisEquivalent in Little RockDifference
$50,000$50,595+$595
$75,000$75,893+$893
$100,000$101,190+$1,190
$150,000$151,786+$1,786
$200,000$202,381+$2,381

* Calculated using cost of living indices (national average = 100). Does not account for state income tax differences.

Run the Numbers

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Mortgage Calculator

See monthly payments for homes in either city

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Rent vs Buy

Is it cheaper to rent or buy in these markets?

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Cost of Living

Full cost of living comparison tool

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Home Appreciation

Project future home value growth

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Affordability Calculator

How much home can you afford?

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Property Tax Calculator

Estimate taxes in Memphis or Little Rock

Memphis Calculators

→ Mortgage calculator for Memphis→ Rent vs buy in Memphis

Little Rock Calculators

→ Mortgage calculator for Little Rock→ Rent vs buy in Little Rock

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Memphis vs Little Rock: Common Questions

Is Memphis or Little Rock cheaper to live in?

Based on cost of living indices, Memphis is cheaper overall. Memphis has a COL index of 84 while Little Rock scores 85 (national average = 100).

How do home prices compare between Memphis and Little Rock?

The median home price in Memphis is $195,000 vs $195,000 in Little Rock — a difference of $0 (0%).

What salary do I need in Little Rock to match my Memphis income?

Use the salary equivalence table above. For example, a $100K salary in Memphis is equivalent to $101,190 in Little Rock in terms of purchasing power.

Which city has lower property taxes?

Little Rock has a lower property tax rate (0.63% vs 0.69%). On a median-priced home, that means paying $1,229/year vs $1,346/year.

How does rent compare in Memphis vs Little Rock?

Median monthly rent: $908 in Memphis vs $825 in Little Rock. Annualized: $10,896 vs $9,900.

What is the median household income in each city?

Memphis: $50,200/yr. Little Rock: $56,600/yr (Census ACS).

Which city is better for remote workers?

Lower-cost Memphis typically lets remote-workers keeping a coastal salary stretch further. Higher-cost cities usually win on amenities and labor-market depth.

Where does the data on this comparison come from?

Numbers are pulled from Zillow ZHVI/ZORI (home values, rent), the U.S. Census Bureau ACS (income), and BEA RPP (cost-of-living index). Each value is timestamped on the page.

How often is this comparison updated?

Source feeds refresh on their native cadence — hourly for mortgage rates, monthly for ZHVI/ZORI, annually for ACS. Page caches revalidate every 24 hours via Next.js ISR.

Does this comparison replace tax or financial advice?

No. This page is educational reference using public data and standard formulas. It is not personalized tax, legal, or investment advice. Consult a licensed professional for material decisions.

Sources & Citations

  1. Zillow Research — Zillow Home Value Index (ZHVI) and Observed Rent Index (ZORI) — zillow.com/research/data
  2. U.S. Census Bureau — American Community Survey (ACS) 5-year estimates for median household income, median age, commute time — census.gov/acs
  3. Bureau of Economic Analysis — Regional Price Parities (RPP) by state and metro — bea.gov/rpp
  4. Tax Foundation — effective property tax rates and state tax rates — taxfoundation.org
  5. U.S. Bureau of Labor Statistics — unemployment rates and regional CPI — bls.gov
  6. Council for Community and Economic Research (C2ER) — Cost of Living Index — coli.org
Methodology & Assumptions

City-level metrics (median home price, median rent, median household income, property tax rate, COL index, commute, unemployment, median age) are sourced from Zillow ZHVI/ZORI[1], Census ACS 5-year estimates[2], BEA Regional Price Parities[3], Tax Foundation[4], and BLS Local Area Unemployment Statistics[5].

The Cost of Living Index uses 100 = national average (C2ER methodology[6]): values above 100 indicate a city is more expensive than the national average, below 100 less expensive.

Salary equivalence uses the ratio adjustedSalary = salary × (colDestination / colOrigin). This accounts for cost-of-living differences but does not model state income tax variation, which can be significant.

Annual property tax is computed as medianHomePrice × propertyTaxRate. Actual assessed value may differ from sale price. Effective rates vary within a metro; these are metro-wide medians.

Commute-hours calculations assume 250 working days/year and a round-trip commute. "Tied" in the comparison table means values within ±1% of each other.

Last reviewed reflects the maximum retrievedAt timestamp across every sourced dataset feeding this page. When any source refreshes, the next ISR revalidation (every 24 hours) picks the new date.

Cost of living data sourced from [6] C2ER, [2] U.S. Census Bureau, and [1] Zillow Research. Tax rates from [4] Tax Foundation. Last reviewed 2026-04-19.