SOC 13-2031

Budget Analyst Salary in Chattanooga, TN-GA (2026)

Data updated · Sources: BLS OEWS May 2025, HUD FY 2027 Fair Market Rents, EPI 2026 Family Budget, 2026 tax tables · Methodology

Tax Tables: 2026 Fed + TN
COL Index: 112.89 (+12.9% vs US)
Net Compensation Yield 76.5% Realized
$62,601 / net annual direct deposit
Gross Adjusted $81,880 $39.37/hr
Effective Tax Drag 17.55% Combined Jurisdictions
Marginal Top Bracket 22% Federal Statutory
Total Withheld -$14,367 $552.56/check
Category 1 of 6

Wage Benchmarking & After-Tax Paycheck Engine

Dynamic statutory tax calculations based on IRS Publication 15-T and state statutory schedules.

$
2,080 annual statutory base hours $39.37 / hour
0 hrs/wk (+$0/yr)
0 hrs (Standard) 10 hrs OT 20 hrs OT 25 hrs Max
6% (-$4,913/yr)
0% Tax Shield: ~$1,081/yr 15% (IRS limit: $24,500)
Itemized Statutory Withholdings Ledger
Federal Income Tax (IRS)
Progressive 10%–37%
-$8,103
Social Security (FICA OASDI)
Statutory 6.20% (Cap $184,500)
-$5,077
Medicare Hospital Insurance
Statutory 1.45%
-$1,187
Tennessee Individual Income Tax
State Marginal Bracket
-$0
Net Take-Home Annual Realized
$62,601 ($2,407.72 / check)
Category 2 of 6

Chattanooga, TN-GA Budget Analyst Wage Distribution

Bureau of Labor Statistics Occupational Employment and Wage Statistics (OEWS) Percentiles & Career Ladders

Your Salary: $81,880
MIDDLE 50% (IQR RANGE) 10th $65.7k 25th $77.0k Median: $81,880 50th (Median) $81.9k 75th $109k 90th $124k You: $81,880
10th (Entry) $65,710 $31.59/hr
25th (Junior) $76,960 $37.00/hr
50th (Median) $81,880 $39.37/hr
75th (Senior) $108,840 $52.33/hr
90th (Lead/Master) $123,590 $59.42/hr
Career Progression & Licensing Milestones for Budget Analyst in Chattanooga, TN-GA
1
Junior Budget AnalystFund accounting, budget variance tracking, financial reporting spreadsheets
$50,036$24.06/hr · 0-2 Years
2
Budget AnalystDepartmental appropriation requests, fiscal impact statements, revenue forecasting
$75,054$36.08/hr · 2-5 Years
3
Senior Budget AnalystLegislative/board budget defense, capital expenditure planning, fiscal policy analysis
$98,285$47.25/hr · 5-8 Years
4
Budget DirectorEnterprise / municipal budget formulation, fiscal policy governance
$126,876$61.00/hr · 8+ Years
Scaled to the Chattanooga, TN-GA medianView National Budget Analyst Salary Data
Adjacent Career Pivots & National Pay Differences
Credit Analysts-$8,130/yr
National median: $83,510
Skill overlap: 95%
Accountants and Auditors-$7,960/yr
National median: $83,680
Skill overlap: 93%View Salary
Financial Managers+$74,930/yr
National median: $166,570
Skill overlap: 90%View Salary
Personal Financial Advisors+$13,430/yr
National median: $105,070
Skill overlap: 87%
Category 3 of 6

HUD Fair Market Rent & EPI Living Wage Affordability Index

Evaluating housing affordability vs. net take-home pay in Chattanooga, TN-GA under the HUD 30% housing cost guideline.

Rent-to-Take-Home Ratio (HUD 30% Standard)
24% of Net Income
✓ Passes 30% Housing Affordability Standard
HUD Fair Market Rent (1-Bedroom) $1,231/month Requires minimum annual gross of $49,240
HUD Fair Market Rent (2-Bedroom) $1,340/month Requires minimum annual gross of $53,600
Hourly Living Wage Benchmark (EPI model)
1 Adult Earner: $24.97/hr
Per adult, 2 working adults + 1 child: $20.79/hr
Category 4 of 6

Hourly Wage to Annual & Overtime Matrix

Translating base hourly pay and 1.5× overtime into net take-home pay based on 2,080 annual work hours in Chattanooga, TN-GA.

Swipe horizontally to inspect full pay schedule
Schedule Total Hours/Wk Gross Annual Est. Taxes Net Take-Home Bi-Weekly Check
Standard (40 hrs)40 hrs$81,880-$14,367$62,601$2,407.72
+5h Overtime/Wk45 hrs$97,233-$18,716$72,683$2,795.48
+10h Overtime/Wk50 hrs$112,585-$23,065$82,765$3,183.25
+15h Overtime/Wk55 hrs$127,938-$27,415$92,847$3,571.02
+20h Overtime/Wk60 hrs$143,290-$32,022$102,671$3,948.87
Category 5 of 6

Interstate MSA Relocation & State Tax Migration Comparator

Calculate required compensation, cost-of-living differences, and annual state/local tax savings between two metropolitan areas.

Equivalent Salary in Austin, TX $83,505 Cost of Living Ratio: 69.6%
Annual State & Local Tax Delta +$8,331/yr Tax savings in Austin-Round Rock-San Marcos, TX
Annual Rent Difference (1BR) -$17,676/yr Based on HUD Fair Market Rents
Net Discretionary Cash Flow Impact

Combining state tax savings and annual rent variance when relocating from San Francisco-Oakland-Fremont, CA to Austin-Round Rock-San Marcos, TX.

+$26,007/year
Category 6 of 6 · Executive Economic Briefing
2026 Fiscal Intelligence

Budget Analyst in Chattanooga, TN-GA: Compensation & Purchasing Power Briefing (2026)

Estimates compiled from BLS OEWS wages, IRS 2026 withholding rules, HUD Fair Market Rents, and Tennessee tax codes.

Market Baseline
$81,880/yr
$39.37/hr · SOC 13-2031
Statutory Tax Drag
17.55% Effective
-$14,367 in Total Taxes
HUD 1BR Shelter Ratio
24% Net Pay
✓ Passes 30% HUD Rule
Monthly Discretionary
+$3,986/mo
Post-$1,231/mo 1BR Rent

Key Economic & Compensation Takeaways

Statutory Withholding Architecture

Frequently Asked Questions

Verified Government Data Sources & Statutory Attribution

Wages sourced from US Bureau of Labor Statistics (BLS OEWS). Rents calibrated to HUD Fair Market Rents. Tax schedules calibrated to IRS IRC Title 26, IRS Pub 15-T, and state statutory revenue codes.

BLS OEWS May 2025 HUD FY2027 FMR IRS 15-T
Metro Pay Comparison SOC 13-2031
2026 Statutory Thresholds
  • Federal Standard Deduction (Single) $16,100
  • FICA OASDI Wage Base Cap $184,500
  • Pre-Tax 401(k) Elective Deferral $24,500
  • HSA Individual Annual Limit $4,400

Budget Analyst in Chattanooga, TN-GA: Market Snapshot

Budget Analyst roles in Chattanooga, TN-GA report a median annual wage of $81,880, 10.7% below the national median of $91,640. The 10th to 90th percentile band runs from $65,710 to $123,590, and HUD’s $1,231 monthly one-bedroom fair market rent equals 18.0% of that median gross pay. The single-adult living wage benchmark for the area is $24.97 per hour.

Highest-paying metropolitan areas for Budget Analyst

Metropolitan areaMedian annual wageVs this market
Iowa City, IA$134,850+64.7%
San Jose-Sunnyvale-Santa Clara, CA$131,730+60.9%
Ann Arbor, MI$127,860+56.2%
Washington-Arlington-Alexandria, DC-VA-MD-WV$125,050+52.7%
San Francisco-Oakland-Fremont, CA$117,360+43.3%
Huntsville, AL$113,400+38.5%
Santa Maria-Santa Barbara, CA$110,470+34.9%
San Diego-Chula Vista-Carlsbad, CA$107,010+30.7%
Gainesville, GA$106,610+30.2%
Lexington Park, MD$106,280+29.8%

Top-paying occupations benchmarked in Chattanooga, TN-GA

OccupationMedian annual wageMedian hourly
Chief Executives$209,990$100.96/hr
Architectural and Engineering Managers$163,720$78.71/hr
Computer and Information Systems Managers$152,980$73.55/hr
Financial Manager$151,530$72.85/hr
Administrative Services Managers$130,540$62.76/hr
Human Resources Managers$129,900$62.45/hr
Marketing Managers$124,360$59.79/hr
Purchasing Managers$123,750$59.50/hr
Industrial Production Managers$121,670$58.50/hr
Physician Assistant$121,600$58.46/hr

Wage data: U.S. Bureau of Labor Statistics OEWS May 2025, 174 metropolitan areas publishing this occupation; HUD FY2027 Fair Market Rents; EPI Family Budget Calculator. Taxes use 2026 federal and state rules. Data last updated .

Regional Labor Market & Career Mobility Network

Explore adjacent occupations and neighboring metropolitan wage benchmarks for peer compensation analysis.

Budget Analyst Salary in Chattanooga, TN-GA (2026) Overview

Budget Analyst median pay in Chattanooga, TN-GA is $81,880 a year ($39.37/hr). See take-home pay after 2026 taxes, BLS wage percentiles, HUD rents & living. Official 2026 economic data for Budget Analyst in Chattanooga, TN-GA compiled from Bureau of Labor Statistics OEWS surveys, HUD Fair Market Rents, and statutory tax codes.

Quick answers
What is the median salary for a Budget Analyst in Chattanooga, TN-GA?

The median annual wage is $81,880 ($39.37 per hour). The middle 80% of earners make between $65,710 and $123,590. Source: BLS OEWS (May 2025).

What is the take-home pay for a Budget Analyst in Chattanooga, TN-GA after taxes?

On the median wage of $81,880, a single filer with no pre-tax deductions takes home about $66,433 a year ($5,536 a month) after $15,447 in federal, FICA, state and local taxes, an effective rate of 18.87%, using 2026 tax rules.