What is the average salary in Nashville?

The median annual wage across all occupations in the Nashville-Davidson--Murfreesboro--Franklin, TN area is $48,840, according to Bureau of Labor Statistics OEWS data for May 2024. That covers roughly 1.1 million workers.

How much do you take home after taxes in Nashville?

On the $48,840 median wage, a single filer in Nashville takes home about $41,423 per year ($3,452 per month) after federal, state taxes — an effective rate of 15.2%.

Does Nashville have a city income tax?

No. Nashville does not levy a local income tax, so residents pay federal, FICA, and Tennessee state income tax — and Tennessee has no state income tax either.

Nashville Salary Calculator — Take-Home Pay After Tax (2026)

The median wage across all occupations in Nashville is $48,840, which leaves about $41,423 after federal, Tennessee state taxes.

✓No Tennessee state income tax and no city income tax

Median Wage

$48,840

all occupations

Take-Home

$41,423

$3,452/mo

Effective Tax Rate

15.2%

fed + state + FICA

Workers

1.1M

rank #16 of 20 by pay

Full Tax Breakdown — $48,840 in Nashville

Single filer, standard deduction, 2026 rates.

Annual Take-Home$41,423After all taxes

Monthly$3,452Net per month

Bi-Weekly$1,593Every 2 weeks

Effective Tax Rate15.2%Fed + state + FICA

Where Your Money Goes

15.2%effective rate

Take-Home$41,42384.8%

Federal Tax$3,6817.5%

FICA$3,7367.6%

Federal Tax Brackets

10%

$1,240

12%

$2,441

Affordability Snapshot

Based on your $3,452/mo take-home — 50/30/20 rule

Needs (50%)$1,726/mo

Rent, groceries, utilities, transport

Wants (30%)$1,036/mo

Dining, entertainment, hobbies

Savings (20%)$690/mo

401k, emergency fund, investments

🏠

Recommended Max Rent

$1,036/mo

30% of monthly take-home — the commonly recommended housing cost ceiling.

Annual Savings Potential

$8,285

Daily Take-Home

$159

Paycheck Breakdown

All figures in USD

Item	Annual	Monthly	Bi-Weekly	Weekly	Daily	Hourly
Gross Pay	$48,840	$4,070	$1,878	$939	$188	$23
Federal Income Tax	−$3,681	−$307	−$142	−$71	−$14	−$2
State Income Tax	$0	$0	$0	$0	$0	$0
Social Security	−$3,028	−$252	−$116	−$58	−$12	−$1
Medicare	−$708	−$59	−$27	−$14	−$3	−$0
Total Taxes	−$7,417	−$618	−$285	−$143	−$29	−$4
Take-Home Pay	$41,423	$3,452	$1,593	$797	$159	$20

Federal Rate

7.5%

State Rate

0.0%

Total Rate

15.2%

State-by-State Comparison

Same $48,840 salary across popular states

State	Take-Home	Total Tax	Eff. Rate
TNTennesseeNo TaxYou	$41,423	$7,417	15.2%
TXTexasNo Tax	$41,423	$7,417	15.2%
FLFloridaNo Tax	$41,423	$7,417	15.2%
NVNevadaNo Tax	$41,423	$7,417	15.2%
OHOhio	$40,862 -$561	$7,978 -$561/yr	16.3%
WAWashingtonNo Tax	$40,745 -$677	$8,095 -$677/yr	16.6%
PAPennsylvania	$39,889 -$1,534	$8,951 -$1,534/yr	18.3%
CACalifornia	$39,664 -$1,759	$9,176 -$1,759/yr	18.8%
ILIllinois	$39,150 -$2,273	$9,690 -$2,273/yr	19.8%
NYNew York	$39,140 -$2,283	$9,700 -$2,283/yr	19.9%

Ways to Increase Your Take-Home

📈

A $5,000 401(k) contribution saves $600/yr in taxes

Pre-tax 401(k) contributions reduce your federal and state taxable income. Contributing an additional $5,000 would increase your monthly take-home by $417 while building retirement savings.

💍

Married filing jointly saves $2,017/yr

If you're married, filing jointly gives you a $32,200 standard deduction (vs $16,100 single) and wider tax brackets. This would add $168/month to your take-home.

🏥

An HSA could save $865/yr in taxes

If you have a High-Deductible Health Plan (HDHP), you can contribute up to $4,400 to an HSA pre-tax. This reduces your taxable income and saves $865 in federal and state taxes — a triple tax advantage.

Results for $48,840 salary · 2026 tax year

Take-Home Pay by Salary in Nashville

Gross Salary	Take-Home / Year	Per Month	Effective Rate
$40,000	$34,320	$2,860	14.2%
$50,000	$42,355	$3,530	15.3%
$60,000	$50,390	$4,199	16.0%
$75,000	$61,593	$5,133	17.9%
$100,000	$79,180	$6,598	20.8%
$125,000	$96,704	$8,059	22.6%
$150,000	$113,791	$9,483	24.1%
$200,000	$148,927	$12,411	25.5%

Nashville Salaries by Occupation

BLS median wage for each occupation in the Nashville-Davidson--Murfreesboro--Franklin, TN area, with take-home after all 2026 taxes.

Occupation	Median Wage	Take-Home	Eff. Rate
Physician (General Practice)	$203,770	$151,704	25.6%
Dentist	$156,260	$118,070	24.4%
Software Engineering Manager	$153,920	$116,470	24.3%
Lawyer	$143,420	$109,294	23.8%
Pharmacist	$135,500	$103,880	23.3%
Marketing Manager	$131,420	$101,092	23.1%
Human Resources Manager	$128,810	$99,308	22.9%
Veterinarian	$128,710	$99,239	22.9%
Data Scientist	$127,770	$98,597	22.8%
Software Developer	$127,150	$98,173	22.8%
Physician Assistant	$124,010	$96,027	22.6%
Nurse Practitioner	$116,160	$90,549	22.0%
Electrical Engineer	$109,400	$85,793	21.6%
Operations Manager	$108,380	$85,075	21.5%
Construction Manager	$106,050	$83,436	21.3%
Physical Therapist	$103,750	$81,818	21.1%
Occupational Therapist	$102,280	$80,784	21.0%
Mechanical Engineer	$101,600	$80,306	21.0%
Civil Engineer	$99,780	$79,025	20.8%
Psychologist	$92,320	$73,777	20.1%
Financial Analyst	$92,160	$73,665	20.1%
Dental Hygienist	$92,160	$73,665	20.1%
Registered Nurse	$81,170	$65,933	18.8%
Accountant	$79,310	$64,625	18.5%
Radiologic Technologist	$73,700	$60,678	17.7%
Police Officer	$66,210	$55,380	16.4%
Social Worker	$64,090	$53,676	16.2%
Electrician	$61,130	$51,298	16.1%
Plumber	$59,870	$50,286	16.0%
Elementary School Teacher	$59,420	$49,924	16.0%
Truck Driver (Heavy)	$57,150	$48,100	15.8%
Graphic Designer	$53,290	$44,999	15.6%
Firefighter	$47,960	$40,716	15.1%
Real Estate Agent	$38,320	$32,970	14.0%

Source: BLS Occupational Employment and Wage Statistics, May 2024, Nashville-Davidson--Murfreesboro--Franklin, TN (MSA 34980). Occupations BLS does not publish an estimate for in this metro are omitted rather than guessed.

How these Nashville numbers are calculated

Wages are published BLS medians for the Nashville-Davidson--Murfreesboro--Franklin, TN metropolitan statistical area — the wider metro, not Nashville city limits. Taxes are 2026 federal brackets, FICA, and no Tennessee state income tax, for a single filer taking the standard deduction. Cost of living is not modeled — a higher wage here does not automatically mean more spending power. Full methodology.