Take-home pay in Tennessee on a 2025 paycheck.
On a $80,000 single-filer salary, Tennessee keeps $64,667/yr after federal income tax, FICA, and no state income tax (+$2,608 vs the 51-state average of $62,059).
Tennessee take-home at common income points
| Salary | Filing | Take-home | Effective rate |
|---|---|---|---|
| $50,000 | Single | $42,214 | 15.6% |
| $80,000 | Single | $64,667 | 19.2% |
| $80,000 | MFJ (2) | $68,358 | 14.6% |
| $150,000 | Single | $113,276 | 24.5% |
| $150,000 | MFJ (4) | $126,298 | 15.8% |
| $250,000 | Single | $182,742 | 26.9% |
Effective rate = total federal + FICA + state tax as a share of gross. Excludes pre-tax deductions, local tax, and SDI.
How Tennessee compares
On the standard $80,000 single-filer benchmark, Tennessee keeps $64,667 — $2,608 more than the 51-state average. Tennessee levies no state income tax, putting it among the nine states (AK, FL, NV, NH, SD, TN, TX, WA, WY) where take-home is highest at any given salary level — though property and sales taxes can offset some of the savings. For the live cross-state comparison and a state-locked “compare to” view, see the interactive paycheck map.
Top 7 Tennessee metros for paycheck comparison
Take-home is identical at the state level — but cost of living varies dramatically between Nashville and the rest of Tennessee. Pick a metro to see paycheck vs cost-of-living together.
- Nashvillepop 2.0M · COL 112median $72,200 →
- Memphispop 1.4M · COL 84median $50,200 →
- Knoxvillepop 0.9M · COL 93median $58,000 →
- Chattanoogapop 0.6M · COL 92median $57,800 →
- Clarksvillepop 0.3M · COL 89median $56,400 →
- Murfreesboropop 0.2M · COL 96median $68,500 →
- Franklinpop 0.1M · COL 112median $115,200 →
More Tennessee metros coming as we expand city coverage.
Tennessee paycheck — common questions
What is the Tennessee state income tax rate in 2025?
Tennessee has no state income tax. Wage earners pay only federal income tax + FICA.
How much take-home will I have on $80,000 in Tennessee?
A single filer earning $80,000 in Tennessee takes home approximately $64,667/yr (80.8% of gross). A married couple filing jointly earning $80,000 takes home $68,358/yr due to the larger MFJ standard deduction. These figures exclude pre-tax 401(k), HSA, and health insurance contributions.
Are there any Tennessee-specific paycheck deductions I should know about?
No state income tax on wages. Hall Income Tax (on dividends/interest) repealed 2021. Truly no state income tax now. No local income taxes.
Does Tennessee have local income taxes?
Yes — see the Tennessee paycheck quirk above for the local-tax detail.
Reviewed by CalcFi Editorial · Last verified against TN Department of Revenue tax tables on 2026-04-19. Methodology + sources at /about/editorial.