SOC 13-2051

Financial 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 75.4% Realized
$68,143 / net annual direct deposit
Gross Adjusted $90,320 $43.42/hr
Effective Tax Drag 18.55% Combined Jurisdictions
Marginal Top Bracket 22% Federal Statutory
Total Withheld -$16,758 $644.53/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 $43.42 / hour
0 hrs/wk (+$0/yr)
0 hrs (Standard) 10 hrs OT 20 hrs OT 25 hrs Max
6% (-$5,419/yr)
0% Tax Shield: ~$1,192/yr 15% (IRS limit: $24,500)
Itemized Statutory Withholdings Ledger
Federal Income Tax (IRS)
Progressive 10%–37%
-$9,848
Social Security (FICA OASDI)
Statutory 6.20% (Cap $184,500)
-$5,600
Medicare Hospital Insurance
Statutory 1.45%
-$1,310
Tennessee Individual Income Tax
State Marginal Bracket
-$0
Net Take-Home Annual Realized
$68,143 ($2,620.89 / check)
Category 2 of 6

Chattanooga, TN-GA Financial Analyst Wage Distribution

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

Your Salary: $90,320
MIDDLE 50% (IQR RANGE) 10th $48.0k 25th $65.9k Median: $90,320 50th (Median) $90.3k 75th $123k 90th $143k You: $90,320
10th (Entry) $48,010 $23.08/hr
25th (Junior) $65,870 $31.67/hr
50th (Median) $90,320 $43.42/hr
75th (Senior) $122,720 $59.00/hr
90th (Lead/Master) $143,430 $68.96/hr
Career Progression & Licensing Milestones for Financial Analyst in Chattanooga, TN-GA
1
Junior Financial AnalystBachelor's degree (most common O*NET requirement); entry into the field
$55,999$26.92/hr · 0-2 Years
2
Financial AnalystDemonstrated results in role; works independently on core responsibilities; CFA or equivalent progress
$69,714$33.52/hr · 2-5 Years
3
Senior Financial AnalystFull professional competence; leads projects or a small team
$90,285$43.41/hr · 5-9 Years
4
Finance ManagerOwns budget, hiring and outcomes for a department or large program
$117,186$56.34/hr · 9-14 Years
5
Director of FP&AExecutive or principal scope; sets strategy across the organization or profession
$159,031$76.46/hr · 14+ Years
Scaled to the Chattanooga, TN-GA medianView National Financial Analyst Salary Data
Adjacent Career Pivots & National Pay Differences
Financial Managers+$63,830/yr
National median: $166,570
Skill overlap: 97%View Salary
Personal Financial Advisors+$2,330/yr
National median: $105,070
Skill overlap: 96%
Securities, Commodities, and Financial Services Sales Agents-$24,080/yr
National median: $78,660
Skill overlap: 95%
Financial Specialists, All Other-$21,640/yr
National median: $81,100
Skill overlap: 95%
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)
22% 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$90,320-$16,758$68,143$2,620.89
+5h Overtime/Wk45 hrs$107,255-$21,555$79,264$3,048.63
+10h Overtime/Wk50 hrs$124,190-$26,353$90,386$3,476.37
+15h Overtime/Wk55 hrs$141,125-$31,368$101,290$3,895.76
+20h Overtime/Wk60 hrs$158,060-$36,484$112,092$4,311.25
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

Financial 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
$90,320/yr
$43.42/hr · SOC 13-2051
Statutory Tax Drag
18.55% Effective
-$16,758 in Total Taxes
HUD 1BR Shelter Ratio
22% Net Pay
✓ Passes 30% HUD Rule
Monthly Discretionary
+$4,448/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 13-2051
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

Financial Analyst in Chattanooga, TN-GA: Market Snapshot

Financial Analyst roles in Chattanooga, TN-GA report a median annual wage of $90,320, 12.1% below the national median of $102,740. The 10th to 90th percentile band runs from $48,010 to $143,430, and HUD’s $1,231 monthly one-bedroom fair market rent equals 16.4% of that median gross pay. The single-adult living wage benchmark for the area is $24.97 per hour.

Highest-paying metropolitan areas for Financial Analyst

Metropolitan areaMedian annual wageVs this market
Bridgeport-Stamford-Danbury, CT$158,310+75.3%
San Jose-Sunnyvale-Santa Clara, CA$144,910+60.4%
Prescott Valley-Prescott, AZ$135,680+50.2%
San Francisco-Oakland-Fremont, CA$130,520+44.5%
New York-Newark-Jersey City, NY-NJ$128,930+42.7%
Seattle-Tacoma-Bellevue, WA$124,790+38.2%
Barnstable Town, MA$121,530+34.6%
Idaho Falls, ID$119,170+31.9%
Boston-Cambridge-Newton, MA-NH$117,520+30.1%
Portland-Vancouver-Hillsboro, OR-WA$117,280+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, 323 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.

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

Financial Analyst median pay in Chattanooga, TN-GA is $90,320 a year ($43.42/hr). See take-home pay after 2026 taxes, BLS wage percentiles, HUD rents & living. Official 2026 economic data for Financial 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 Financial Analyst in Chattanooga, TN-GA?

The median annual wage is $90,320 ($43.42 per hour). The middle 80% of earners make between $48,010 and $143,430. Source: BLS OEWS (May 2025).

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

On the median wage of $90,320, a single filer with no pre-tax deductions takes home about $72,370 a year ($6,031 a month) after $17,950 in federal, FICA, state and local taxes, an effective rate of 19.87%, using 2026 tax rules.