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Tennessee has no state tax break for 529 contributions, so you can pick any state's plan on fees and investments alone. Here are the facts on Tennessee's direct-sold 529 plan (the one you open yourself, without an advisor).
Tennessee's Hall Income tax on certain dividends and income was repealed for tax periods that begin on January 1, 2021, or later. Taxpayer should not file a return for any tax year that begins on or after January 1, 2021. T.C.A. 67-2-102(5). Tennessee does not have an individual income tax. 5-9 Texas No No No state individual income tax.
Summary of state law from the ICI 2025 state tax survey; it may predate 2026 changes.
2026 limits and parity: Savingforcollege. Manager, fees and minimum: only when stated on the plan's homepage text we read (2026-10-12); otherwise 'not found'. Check the plan's disclosure document for exact fees.
No state tax break for 529 contributions.
No. You can use any state's plan; you may lose your state's tax break if your state doesn't offer tax parity.
Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.