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🎸 Memphis, TN · No state income tax

Memphis Salary Calculator: Your Take-Home Pay

Memphis sits in Tennessee, one of the nine states with no income tax on wages. The city of Memphis adds no local income tax either, so your only paycheck deductions are federal income tax and FICA. That makes Memphis one of the better-value big cities for take-home pay. Enter your salary to see your net pay.

● TN: no income tax ● No city income tax ● 2026 federal data

🎸 Memphis take-home pay

Memphis rules

How Memphis paychecks are taxed in 2026

Memphis is in Tennessee, which levies no state income tax on wages — the former Hall tax on investment income was fully repealed in 2021. The city of Memphis adds no local income tax, so a Memphis paycheck is reduced only by federal income tax, 6.2% Social Security and 1.45% Medicare.

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The no-tax advantage: Because Tennessee takes nothing from your wages, a Memphis salary stretches further than the same pay in a high-tax state. Tennessee funds its budget partly through one of the highest combined sales-tax rates in the country, so day-to-day purchases cost more — but your paycheck itself keeps the full state share.

Why your state line is $0

On any Memphis salary you owe federal income tax plus FICA, but the state income-tax line is zero. The result panel above shows that line as $0 — every dollar Tennessee would have taxed stays in your take-home pay.

Compare Memphis with other cities

See how your salary fares in nearby no-tax Nashville, or compare with Atlanta (Georgia 5.19%) and the statewide Tennessee calculator.

Questions

Memphis Salary Calculator FAQ

Does Memphis have a city income tax?

No. The city of Memphis levies no local income tax, and Tennessee has no state income tax on wages. Memphis workers pay only federal income tax and FICA (Social Security and Medicare) — there is no state or city income tax to subtract.

Does Tennessee tax income in Memphis?

No. Tennessee is one of nine states with no tax on earned income. The former Hall tax on interest and dividends was fully repealed in 2021, so wages, salaries and investment income are all free of Tennessee state income tax.

What is the take-home pay on $58,000 in Memphis?

A single filer earning $58,000 in Memphis takes home roughly $48,000 to $49,000 a year after federal income tax and FICA — with no state or city income tax deducted. Use the calculator above for your exact figure, including any pre-tax 401(k) contributions.

Is Memphis a good city for take-home pay?

Yes, on the tax side. With no Tennessee state income tax and no Memphis city tax, you keep more of each paycheck than in almost any high-tax metro. Tennessee's high sales tax offsets some of that at the register, but your paycheck itself is among the most tax-efficient of any major city.

Mustafa Bilgic
Reviewed & maintained by
Mustafa Bilgic — Editor, SalaryCalculator.us

Memphis's tax treatment is verified with the Tennessee Department of Revenue; federal figures from the IRS.

  • Sources: Tennessee Department of Revenue (no state income tax on wages; Hall tax repealed 2021) · City of Memphis (no local income tax) · IRS Rev. Proc. 2025-32 · SSA 2026 wage base.
  • 🔄 Last updated June 9, 2026 · Tax year 2026

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