Registered Nurse Salary in Tennessee: Median $69,340 in 2026
Tennessee (TN) · No state income tax · RPP 92.1 · Rank #6 of 51 for take-home
A Registered Nurse in Tennessee earns a median of $69,340 per year, based on the most recent 2023 BLS Occupational Employment and Wage Statistics release[1]adjusted for Tennessee's Bureau of Economic Analysis Regional Price Parity of 92.1 (US = 100)[2]. The 10th percentile starts at about $37,180, while the 90th percentile reaches $145,570. After federal income tax, FICA, and no Tennessee income tax (one of the handful of no-tax states), a single-filer takes home roughly $57,333/year — about $4,778/month or $2,205 every other week.
Because Tennessee is a low-cost state (RPP 92.1), the real purchasing power of that take-home is roughly $62,255 in national-average terms. Among all 51 jurisdictions in the US, Tennessee ranks #6 for take-home pay on a $69,340 gross — a Registered Nurse keeps 82.7% of every dollar earned after federal, state, and payroll taxes. Nationally, BLS projects 6% growth in this occupation through 2034[3], which typically translates into comparable demand at the Tennessee state level.
Registered Nurse Salary Snapshot — Tennessee (2026)
Every row cites a primary public dataset. Percentiles are BLS OEWS state-level where published; otherwise scaled from the national distribution by Tennessee's RPP.
| Metric | Tennessee | National | Source |
|---|---|---|---|
| Median wage (P50) | $69,340 | $86,070 | [1] |
| 10th percentile (state) / 25th percentile (national) | $37,180 | $68,890 (P25) | [1] |
| 90th percentile | $145,570 | $132,680 | [1] |
| State employment (SOC group) | 208,550 | 3,310,800 | [1] |
| Cost-of-living index (BEA RPP) | 92.1 | 100.0 | [2] |
| Annual take-home (single filer) | $57,333 | $69,102* | [4][6] |
| Take-home rank (51 jurisdictions) | #6 | — | [4] |
| COL-adjusted take-home (real $) | $62,255 | — | [2] |
*National reference column uses Texas as a no-income-tax baseline to isolate the state-tax effect.
How Registered Nurse Salaries Work in Tennessee
A Registered Nurse paycheck in Tennessee is stacked the same way as every US paycheck: gross wage, then federal income tax withholding based on IRS Publication 17 bracket tables[4], then FICA — Social Security 6.2% (up to the 2025 wage base of $176,100) and Medicare 1.45% (plus 0.9% above $200,000)[5], then whatever the state layers on top. Tennessee is one of a small group of states with no individual income tax. On a $69,340 gross, you save roughly $3,120–$4,854 per year vs an average-tax state — that's the Tennessee "tax premium" built into take-home.[6]
Beyond income tax, two Tennessee floors matter. State minimum wage sets the price of entry-level labor and pulls up the bottom of the wage distribution[7]. Cost of living — measured by the BEA Regional Price Parity of 92.1 — sets the price of housing, groceries, utilities, and services that determine how far the paycheck goes[2]. Together these two numbers explain most of the variance between nominal and real Registered Nurse compensation across states.
Local demand also matters. State-level OEWS puts about 208,550 people in this SOC group across Tennessee, which lets employers compete on wages rather than benefits alone.The lower cost base in this state means employers can offer 5–10% below the national nominal median and still win talent competition against mid-cost states. Two workers with identical Registered Nurse titles can therefore see very different take-home outcomes depending purely on Tennessee's tax and cost profile.
The complete identity: take_home = gross − federal_tax − state_tax − FICA − pre_tax_deductions. Every number in the table above, and every paycheck calculator on CalcFi, runs that identity client-side. No inputs leave your browser.
Registered Nurse Salary by City in Tennessee
Estimated median Registered Nursesalary by metro, using each city's composite cost-of-living index against the Tennessee statewide OEWS median. Rent is ACS + Zillow ZORI; unemployment is BLS LAUS.
| City | Est. median salary | COL index | Median rent | Est. net (monthly) |
|---|---|---|---|---|
| Nashville, TN | $77,661 | 112 | $1,556/mo | $5,266 |
| Memphis, TN | $58,246 | 84 | $908/mo | $4,077 |
| Knoxville, TN | $64,486 | 93 | $1,100/mo | $4,493 |
| Chattanooga, TN | $63,793 | 92 | $1,100/mo | $4,449 |
| Clarksville, TN | $61,713 | 89 | $1,000/mo | $4,310 |
Sources: Zillow ZORI / Census ACS[9], BLS OEWS[1], BEA RPP[2]. City-level salary estimates scale the statewide OEWS median by each metro's composite COL index; actual employer wages can deviate by ±10–20% depending on industry mix.
Tennessee vs Neighbor States — Registered Nurse Take-Home
Same $69,340 gross salary, different state tax regimes. The table shows what a single-filer Registered Nursewould net in each bordering state. Useful if you're comparing job offers across state lines or considering a relocation.
| State | State tax (eff.) | Annual take-home | vs TN |
|---|---|---|---|
| Tennessee ★ | None | $57,333 | — |
| Alabama | 4.6% | $54,131 | -$3,202 |
| Arkansas | 3.6% | $54,808 | -$2,525 |
| Georgia | 4.5% | $54,242 | -$3,091 |
| Kentucky | 3.8% | $54,690 | -$2,643 |
★ = no state individual income tax. Numbers assume identical $$69,340 gross, single filer, standard deduction. Real-world comparisons should also factor in cost-of-living differences (RPP) and any local income taxes[6][2].
Cost of Living vs Salary — Purchasing Power in Tennessee
Nominal dollars only tell part of the story. The BEA Regional Price Parity for Tennessee is 92.1 (US = 100)[2]. That means an identical basket of goods and services costs 7.9% less in Tennessee than in an average-cost US location. A Registered Nurse's $57,333 nominal take-home therefore equals about $62,255 of national-average purchasing power.
Concretely, that shows up in three budget buckets:
- Housing. The single biggest driver. In lower-RPP states like Tennessee, housing often stays under 25% of take-home for a median-salary Registered Nurse.
- Groceries + services.BEA publishes sub-indexes for goods, rents, and other services. Goods tend to be closer to national averages (they're traded); services and rents are where the big state-level spreads show up.
- State + local tax. Tennessee's lack of state income tax improves real purchasing power by 6.5% to 9.0% vs average-tax states on a $69,340 salary — a meaningful wedge that stacks on top of the RPP effect.
The classic rule of thumb — "aim for take-home ≥ 3x your monthly housing cost" — holds in Tennessee only above the 60th-percentile wage band for this occupation. Below that threshold, the RPP hit compounds with fixed housing costs and the real savings rate collapses. Above it, Tennessee's lower cost base makes this a strong wealth-building state for Registered Nurses.
Where Registered Nurses Work in Tennessee
BLS OEWS attributes roughly 208,550 Tennessee workers to the Healthcare major group containing Registered Nurse.Major hiring industries for Registered Nurses tend to cluster into three groups: (1) large private employers in healthcare (primary source of wage pressure at the top of the distribution); (2) state and local government — consistently one of the top five healthcare employers in most US states; and (3) federal government and contractors — especially relevant in states with large DoD or federal civilian footprints.
Typical entry requirement for this role is a bachelor's degree (bsn) or associate's degree. Common tax-deductible professional expenses that Registered Nurses in Tennessee can consider — where itemizing makes sense — include: Nursing license renewal fees, Scrubs and medical footwear, Continuing education credits, Union dues (if applicable). Confirm deductibility with a CPA; 2017 TCJA changes limited unreimbursed employee expenses, but self-employed or contractor Registered Nurses still get full Schedule C treatment.
Career Progression & Related Professions in Tennessee
Early-career Registered Nurses in Tennessee typically start near the 10th percentile ($37,180), reach the median ($69,340) after 4–8 years, and enter the 90th percentile ($145,570) with senior or specialized roles. Related healthcare occupations in Tennessee:
Useful calculators for Registered Nurses in Tennessee
Other professions in Tennessee
Local context: Tennessee
Housing economics in Tennessee. The median home value runs 3.6% below the U.S. baseline for Tennessee is $345,000 per Zillow's home-value index. Effective property tax sits at 0.71% of assessed value, below the 0.99% national average tracked by the Tax Foundation. Lenders in Tennessee have quoted 6.30% on the 30-year fixed product over the trailing four-week window per Freddie Mac PMMS — the prevailing posted rate before any borrower-specific lock-ins.
Income and tax climate. Median household income in Tennessee reaches $75,860 per the ACS five-year vintage, trailing the $78,538 U.S. median. Tennessee's top marginal state income tax bracket lands at 0.00% — one of nine states that levies no broad-based income tax, shifting the revenue burden onto sales, property, and severance levies. BEA's Regional Price Parity scores Tennessee at 93.0 (national = 100), meaning a dollar in Tennessee buys 108¢ — more goods and services than the same dollar nationally.
How Tennessee affects take-home pay. Federal FICA, Medicare, and income tax are identical for every wage earner regardless of state. Tennessee's contribution is the state income tax overlay plus any state-level disability or paid-family-leave deductions. Where applicable, the calculator factors in the local minimum wage when an hourly-to-salary conversion is involved, and uses BLS OEWS median earnings for Tennessee as the contextual baseline shown alongside your inputs.
Local context as of 2026-06-13. Live data sources are listed in the Sources section below; each metric carries its own retrieval date.
Tennessee versus the U.S. baseline
How does Tennessee stack up against the national average on the metrics that drive the calculators on this page? The table below pairs the Tennessee-specific reading against the U.S. baseline so you can see at a glance whether your local scenario runs above or below typical. Three to five percentage points of difference on most of these inputs translates into meaningful changes in calculator output — for example, a 50-basis-point difference in mortgage rate moves the monthly payment on a $400,000 30-year loan by roughly $130.
| Metric | Tennessee | U.S. baseline | Difference |
|---|---|---|---|
| Median Registered Nurse salary[bls-oews] | $69,340 | $86,070 | -19.4% |
| Annual take-home (single filer)[irs] | $57,333 | $69,102 | -17.0% |
| Top marginal state income tax[state-dor] | None | ~4.08% (volume-weighted) | −4.08 pp |
| Cost-of-living index (BEA RPP)[bea-rpp] | 92.1 | 100.0 | -7.9 pts |
| Effective combined tax rate[irs] | 17.3% | ~24-28% (typical) | — |
How to use the Registered Nurse salary calculator for Tennessee
Walk through estimating Registered Nurse pay in Tennessee using state-specific BLS OEWS percentiles, IRS / state tax math, and BEA cost-of-living adjustments.
- Pre-fill with local dataEach calculator on this page loads with state- or city-specific defaults pulled live from primary sources (FRED, BLS, Zillow, Freddie Mac PMMS, IRS, BEA). The blue values shown next to each input are the local averages so you can see how your scenario compares to the typical case before changing anything.
- Override the inputs you controlChange any field to model your actual situation. The math reruns in your browser the moment you change a value — no signup, no API call, no data transmission. Hover over the small (i) icon next to each label to see the formula that field feeds and where the default came from.
- Read the derived valuesThe result panel shows the primary calculation (monthly payment, take-home pay, savings projection, etc.) plus the intermediate values that drive it. Each line item is labeled with the formula component it represents so you can verify the arithmetic against any agency publication, textbook, or competing calculator.
- Adjust assumptions and re-runMost calculators have a section for assumption inputs that are easy to overlook — annual raises, expected return, inflation, vacancy rate, depreciation schedule, marginal vs. effective tax treatment. The defaults are conservative; aggressive scenarios usually require explicit overrides.
- Save to "My Numbers"When the inputs match your reality, click Save to "My Numbers". The values persist to your device's local storage (IndexedDB) and reload automatically on your next visit. Nothing is transmitted to any CalcFi server — the saved-state feature is deliberately client-side only for privacy.
- Compare scenarios side by sideMost calculators offer a comparison view that shows two or more scenarios side by side. Use this to model decision points: 15-year vs 30-year mortgage, Roth vs Traditional IRA, salary vs hourly, lease vs buy. The comparison view also produces a shareable summary you can download as PNG or PDF.
Frequently Asked Questions — Registered Nurse in Tennessee
What is the median salary for a Registered Nurse in Tennessee?
Based on BLS OEWS 2023 state-level data and BEA RPP cost-of-living adjustments, the median Registered Nurse in Tennessee earns approximately $69,340/year. The 10th percentile is around $37,180 and the 90th percentile reaches $145,570. State OEWS lists about 208,550 people employed in this occupational group statewide.
How much does a Registered Nurse take home after taxes in Tennessee?
On a $69,340 gross salary, a single-filer Registered Nurse in Tennessee takes home approximately $57,333/year ($4,778/month, $2,205 bi-weekly) after federal income tax (9.7%), FICA (Social Security + Medicare). Combined effective rate: 17.3%. Numbers assume the standard deduction; itemizing or pre-tax 401(k) contributions will raise your net.
How does Tennessee compare to other states for Registered Nurse take-home pay?
Tennessee ranks #6 out of 51 for Registered Nurse take-home pay at the $69,340 state median salary. The best state for this gross is Alaska ($57,333/yr take-home) and the worst is Oregon ($51,820/yr). A Registered Nurse in Tennessee keeps 82.7% of every gross dollar earned.
What is the cost-of-living-adjusted salary for a Registered Nurse in Tennessee?
Tennessee's BEA regional price parity is 92.1 (US = 100), meaning the state's $57,333 take-home is equivalent to about $62,255 of national-average purchasing power. Because living costs are 7.9% below average, your salary stretches further in Tennessee than in an average-cost state.
How do Registered Nurse salaries vary by city in Tennessee?
Within Tennessee, Registered Nurse salaries scale with metro-level cost of living. For example, Nashville (112 COL index, estimated median $77,661), Memphis (84 COL index, estimated median $58,246), Knoxville (93 COL index, estimated median $64,486). Higher-COL metros pay more in nominal terms, but after rent and groceries the net purchasing power often evens out.
What state taxes affect a Registered Nurse paycheck in Tennessee?
Tennessee has no state individual income tax. A Registered Nurse earning $69,340 saves roughly $3,120–$4,854 annually compared to an average-tax state. You still pay federal income tax and FICA. Tennessee's property tax rate is 0.7% and state sales tax is 7.0%. No income tax on wages. Hall Tax (dividends/interest) fully repealed as of 2021.
What is the career outlook for Registered Nurses in Tennessee?
Nationally, BLS Employment Projections expect 6% growth in the Registered Nurse occupation through 2034. Tennessee-specific demand typically tracks national trends, with adjustments for local industry mix. The typical entry requirement is a bachelor's degree (bsn) or associate's degree, and Registered nurses provide patient care, education, and emotional support in hospitals, clinics, and other healthcare settings. They are the largest healthcare occupation in the US.
Methodology — How we compute this page
Wage percentiles. Primary source is the BLS Occupational Employment and Wage Statistics (OEWS) state-level release, 2023 vintage. We pull the state row for the SOC major group that contains Registered Nurse (29-0000). When the BLS suppresses a cell for data-quality reasons, we fall back to the national percentile scaled by Tennessee's BEA RPP — the same method BLS's own reports use.
Take-home tax math. Federal tax uses 2025 IRS brackets and the single standard deduction ($15,000). State tax uses the Tennessee2026 brackets from the state Department of Revenue, mirrored by Tax Foundation where the DoR's PDF is paywalled or split across multiple publications. FICA is Social Security 6.2% (capped at $176,100 wage base) + Medicare 1.45% + 0.9% Additional Medicare above $200,000. All math is the deterministic identity take_home = gross − federal − state − FICA; no Monte Carlo or estimator models.
Cost-of-living adjustments.We use BEA's Regional Price Parities (RPP) for all-items. RPP is a purchasing-power index where US = 100. Real (COL-adjusted) take-home is nominal_take_home / (RPP / 100). City-level estimates scale the statewide OEWS median by each metro's composite COL index from our /data/cities.ts dataset, which merges Census ACS, BLS, and Zillow inputs.
Refresh cadence. BLS OEWS releases once a year (typically March, for the prior May reference period). BEA RPP releases once a year in December. Federal tax brackets are updated annually by the IRS (October inflation adjustment). State brackets refresh per legislative calendar. The dateModified shown above auto-bumps when any sourced value's retrievedAt changes — no template edit required.
Known limits.Statewide medians mask large intra-state variance — metros and rural counties can differ by 20–40% for the same SOC code. We don't currently bake in local income taxes (e.g. NYC, Portland-OR supplemental). We assume single-filer, standard deduction, no pre-tax contributions; users with itemized deductions or 401(k) deferrals should plug their specifics into the linked calculators. Suppressed BLS cells fall through to national-scaled fallbacks, which can under-estimate demand in specialty states.
Sources
Every number on this page cites a primary public dataset. Last reviewed (auto-bumped on the next ISR refresh after an ETL run).
- BLS Occupational Employment and Wage Statistics (OEWS) — state-level occupational wages — www.bls.gov/oes. Retrieved 2026-06-13.
- BLS Employment Projections — 2024–34 occupational growth rates — www.bls.gov/emp. Retrieved 2026-06-13.
- Bureau of Economic Analysis — Regional Price Parities by State (all-items RPP) — www.bea.gov/data/prices-inflation/regional-price-parities-state-and-metro-area. Retrieved 2026-06-13.
- Internal Revenue Service — Federal individual income tax brackets and standard deductions — www.irs.gov/forms-pubs/about-publication-17. Retrieved 2026-06-13.
- Social Security Administration — OASDI / Medicare contribution and wage-base rules — www.ssa.gov. Retrieved 2026-06-13.
- Tennessee Department of Revenue — 2026 individual income tax brackets (accessed via Tax Foundation mirror) — taxfoundation.org/data/all/state/state-income-tax-rates. Retrieved 2026-06-13.
- U.S. Department of Labor, Wage and Hour Division — State Minimum Wage Laws — www.dol.gov/agencies/whd/minimum-wage/state. Retrieved 2026-06-13.
- FRED (Federal Reserve Economic Data) — real median household income per state — fred.stlouisfed.org. Retrieved 2026-06-13.
- U.S. Census Bureau — American Community Survey (ACS) 5-year estimates — www.census.gov/programs-surveys/acs. Retrieved 2026-06-13.
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