Murfreesboro TN vs Schenectady NY — Cost of Living, Crime & Income Comparison 2026
Updated May 2026 · Source: US Census ACS 5-Year (2023), FBI CDE (2023), BLS OEWS (2024)
Murfreesboro, TN
Tennessee · Population: 40,828
- Median HH Income$107,847
- Median Home Price$427,410
- Unemployment3.5%
- Bachelor's+49.5%
Schenectady, NY
New York · Population: 28,542
- Median HH Income$100,485
- Median Home Price$321,835
- Unemployment2.3%
- Bachelor's+58.8%
Detailed Comparison
Demographics
Population
Murfreesboro
40,828
Murfreesboro +
Schenectady
28,542
Pop. Density / sq mi
Lower = more space
Murfreesboro
N/A
Schenectady
N/A
Median Age
Murfreesboro
39.1
Murfreesboro +
Schenectady
42.3
Foreign Born
Murfreesboro
9.8%
Murfreesboro +
Schenectady
6.8%
White
Murfreesboro
78.3%
Schenectady
86.7%
Schenectady +
Black
Murfreesboro
7.7%
Murfreesboro +
Schenectady
3.1%
Asian
Murfreesboro
4.8%
Murfreesboro +
Schenectady
3.0%
Hispanic
Murfreesboro
7.4%
Murfreesboro +
Schenectady
4.7%
Spanish at Home
Murfreesboro
N/A
Schenectady
N/A
| Metric | Murfreesboro, TN | Schenectady, NY | Better |
|---|---|---|---|
| Population | 40,828 | 28,542 | Murfreesboro + |
| Pop. Density / sq miLower = more space | N/A | N/A | - |
| Median Age | 39.1 | 42.3 | Murfreesboro + |
| Foreign Born | 9.8% | 6.8% | Murfreesboro + |
| White | 78.3% | 86.7% | Schenectady + |
| Black | 7.7% | 3.1% | Murfreesboro + |
| Asian | 4.8% | 3.0% | Murfreesboro + |
| Hispanic | 7.4% | 4.7% | Murfreesboro + |
| Spanish at Home | N/A | N/A | - |
Economy
Median HH Income
Murfreesboro
$107,847
Murfreesboro +
Schenectady
$100,485
Per Capita Income
Murfreesboro
$54,633
Schenectady
$62,931
Schenectady +
Per Capita Personal Income (MSA)
BEA MSA-level
Murfreesboro
$59,097
Schenectady
$77,425
Schenectady +
Unemployment Rate
Murfreesboro
3.5%
Schenectady
2.3%
Schenectady +
Poverty Rate
Murfreesboro
4.1%
Murfreesboro +
Schenectady
10.3%
Bachelor's Degree+
Murfreesboro
49.5%
Schenectady
58.8%
Schenectady +
| Metric | Murfreesboro, TN | Schenectady, NY | Better |
|---|---|---|---|
| Median HH Income | $107,847 | $100,485 | Murfreesboro + |
| Per Capita Income | $54,633 | $62,931 | Schenectady + |
| Per Capita Personal Income (MSA)BEA MSA-level | $59,097 | $77,425 | Schenectady + |
| Unemployment Rate | 3.5% | 2.3% | Schenectady + |
| Poverty Rate | 4.1% | 10.3% | Murfreesboro + |
| Bachelor's Degree+ | 49.5% | 58.8% | Schenectady + |
Housing
Median Home Value
Zillow ZHVI / Census ACS
Murfreesboro
$427,410
Schenectady
$321,835
Schenectady +
Homeownership Rate
Murfreesboro
74.9%
Murfreesboro +
Schenectady
57.5%
| Metric | Murfreesboro, TN | Schenectady, NY | Better |
|---|---|---|---|
| Median Home ValueZillow ZHVI / Census ACS | $427,410 | $321,835 | Schenectady + |
| Homeownership Rate | 74.9% | 57.5% | Murfreesboro + |
Safety
Violent Crime / 100K
FBI CDE (state-level est.)
Murfreesboro
639
Schenectady
434
Schenectady +
Property Crime / 100K
FBI CDE (state-level est.)
Murfreesboro
2350
Schenectady
1736
Schenectady +
| Metric | Murfreesboro, TN | Schenectady, NY | Better |
|---|---|---|---|
| Violent Crime / 100KFBI CDE (state-level est.) | 639 | 434 | Schenectady + |
| Property Crime / 100KFBI CDE (state-level est.) | 2350 | 1736 | Schenectady + |
Health
Obesity Rate
CDC PLACES
Murfreesboro
37.3%
Murfreesboro +
Schenectady
38.6%
Diabetes Rate
CDC PLACES
Murfreesboro
9.9%
Murfreesboro +
Schenectady
12.3%
Poor Mental Health
CDC PLACES — 14+ days/month
Murfreesboro
20.4%
Schenectady
19.2%
Schenectady +
No Health Insurance
CDC PLACES
Murfreesboro
11.0%
Schenectady
9.7%
Schenectady +
Binge Drinking
CDC PLACES
Murfreesboro
16.5%
Schenectady
15.2%
Schenectady +
Current Smokers
CDC PLACES
Murfreesboro
14.0%
Murfreesboro +
Schenectady
16.9%
| Metric | Murfreesboro, TN | Schenectady, NY | Better |
|---|---|---|---|
| Obesity RateCDC PLACES | 37.3% | 38.6% | Murfreesboro + |
| Diabetes RateCDC PLACES | 9.9% | 12.3% | Murfreesboro + |
| Poor Mental HealthCDC PLACES — 14+ days/month | 20.4% | 19.2% | Schenectady + |
| No Health InsuranceCDC PLACES | 11.0% | 9.7% | Schenectady + |
| Binge DrinkingCDC PLACES | 16.5% | 15.2% | Schenectady + |
| Current SmokersCDC PLACES | 14.0% | 16.9% | Murfreesboro + |
Climate
Avg Annual Temp
NOAA 1991–2020 normal
Murfreesboro
58.3°F
Schenectady
N/A
Annual Precipitation
NOAA 1991–2020 normal
Murfreesboro
53.4 in
Schenectady
N/A
| Metric | Murfreesboro, TN | Schenectady, NY | Better |
|---|---|---|---|
| Avg Annual TempNOAA 1991–2020 normal | 58.3°F | N/A | - |
| Annual PrecipitationNOAA 1991–2020 normal | 53.4 in | N/A | - |
Air Quality
PM2.5 Annual Avg
EPA AQS (state-level est.)
Murfreesboro
8.9 µg/m³
Schenectady
8.1 µg/m³
Schenectady +
Good Air Days
AQI ≤ 50
Murfreesboro
75.0%
Schenectady
75.0%
Tie
| Metric | Murfreesboro, TN | Schenectady, NY | Better |
|---|---|---|---|
| PM2.5 Annual AvgEPA AQS (state-level est.) | 8.9 µg/m³ | 8.1 µg/m³ | Schenectady + |
| Good Air DaysAQI ≤ 50 | 75.0% | 75.0% | Tie |
Commute
Mean Commute Time
Census ACS
Murfreesboro
33.8 min
Schenectady
26.2 min
Schenectady +
| Metric | Murfreesboro, TN | Schenectady, NY | Better |
|---|---|---|---|
| Mean Commute TimeCensus ACS | 33.8 min | 26.2 min | Schenectady + |
Which City is Right for You?
Murfreesboro leads in median household income at $107,847, while schenectady offers more affordable housing with a median home price of $321,835. On public safety, Schenectady is safer with a violent crime rate of 434 per 100,000 residents, compared to 639 in Murfreesboro. Schenectady has a lower unemployment rate at 2.3%, and Schenectady has cleaner air (PM2.5 avg 8.1 µg/m³). For overall health outcomes, Murfreesboro scores better with a lower obesity rate of 37.3%.
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