SOC 13-2051

Financial Analyst Salary in Memphis, TN-MS-AR (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: 106.87 (+6.9% vs US)
Net Compensation Yield 75.4% Realized
$68,708 / net annual direct deposit
Gross Adjusted $91,180 $43.84/hr
Effective Tax Drag 18.65% Combined Jurisdictions
Marginal Top Bracket 22% Federal Statutory
Total Withheld -$17,001 $653.90/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 $43.84 / hour
0 hrs/wk (+$0/yr)
0 hrs (Standard) 10 hrs OT 20 hrs OT 25 hrs Max
6% (-$5,471/yr)
0% Tax Shield: ~$1,204/yr 15% (IRS limit: $24,500)
Itemized Statutory Withholdings Ledger
Federal Income Tax (IRS)
Progressive 10%–37%
-$10,026
Social Security (FICA OASDI)
Statutory 6.20% (Cap $184,500)
-$5,653
Medicare Hospital Insurance
Statutory 1.45%
-$1,322
Tennessee Individual Income Tax
State Marginal Bracket
-$0
Net Take-Home Annual Realized
$68,708 ($2,642.61 / check)
Category 2 of 6

Memphis, TN-MS-AR Financial Analyst Wage Distribution

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

Your Salary: $91,180
MIDDLE 50% (IQR RANGE) 10th $50.7k 25th $67.4k Median: $91,180 50th (Median) $91.2k 75th $124k 90th $194k You: $91,180
10th (Entry) $50,660 $24.36/hr
25th (Junior) $67,390 $32.40/hr
50th (Median) $91,180 $43.84/hr
75th (Senior) $124,070 $59.65/hr
90th (Lead/Master) $194,000 $93.27/hr
Career Progression & Licensing Milestones for Financial Analyst in Memphis, TN-MS-AR
1
Junior Financial AnalystBachelor's degree (most common O*NET requirement); entry into the field
$56,533$27.18/hr · 0-2 Years
2
Financial AnalystDemonstrated results in role; works independently on core responsibilities; CFA or equivalent progress
$70,377$33.84/hr · 2-5 Years
3
Senior Financial AnalystFull professional competence; leads projects or a small team
$91,145$43.82/hr · 5-9 Years
4
Finance ManagerOwns budget, hiring and outcomes for a department or large program
$118,301$56.88/hr · 9-14 Years
5
Director of FP&AExecutive or principal scope; sets strategy across the organization or profession
$160,546$77.19/hr · 14+ Years
Scaled to the Memphis, TN-MS-AR 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 Memphis, TN-MS-AR under the HUD 30% housing cost guideline.

Rent-to-Take-Home Ratio (HUD 30% Standard)
21% of Net Income
✓ Passes 30% Housing Affordability Standard
HUD Fair Market Rent (1-Bedroom) $1,191/month Requires minimum annual gross of $47,640
HUD Fair Market Rent (2-Bedroom) $1,301/month Requires minimum annual gross of $52,040
Hourly Living Wage Benchmark (EPI model)
1 Adult Earner: $23.64/hr
Per adult, 2 working adults + 1 child: $20.37/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 Memphis, TN-MS-AR.

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$91,180-$17,001$68,708$2,642.61
+5h Overtime/Wk45 hrs$108,276-$21,845$79,935$3,074.42
+10h Overtime/Wk50 hrs$125,373-$26,688$91,162$3,506.24
+15h Overtime/Wk55 hrs$142,469-$31,774$102,147$3,928.72
+20h Overtime/Wk60 hrs$159,565-$36,939$113,053$4,348.17
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 Memphis, TN-MS-AR: 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
$91,180/yr
$43.84/hr · SOC 13-2051
Statutory Tax Drag
18.65% Effective
-$17,001 in Total Taxes
HUD 1BR Shelter Ratio
21% Net Pay
✓ Passes 30% HUD Rule
Monthly Discretionary
+$4,535/mo
Post-$1,191/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 Memphis, TN-MS-AR: Market Snapshot

Financial Analyst roles in Memphis, TN-MS-AR report a median annual wage of $91,180, 11.3% below the national median of $102,740. The 10th to 90th percentile band runs from $50,660 to $194,000, and HUD’s $1,191 monthly one-bedroom fair market rent equals 15.7% of that median gross pay. The single-adult living wage benchmark for the area is $23.64 per hour.

Highest-paying metropolitan areas for Financial Analyst

Metropolitan areaMedian annual wageVs this market
Bridgeport-Stamford-Danbury, CT$158,310+73.6%
San Jose-Sunnyvale-Santa Clara, CA$144,910+58.9%
Prescott Valley-Prescott, AZ$135,680+48.8%
San Francisco-Oakland-Fremont, CA$130,520+43.1%
New York-Newark-Jersey City, NY-NJ$128,930+41.4%
Seattle-Tacoma-Bellevue, WA$124,790+36.9%
Barnstable Town, MA$121,530+33.3%
Idaho Falls, ID$119,170+30.7%
Boston-Cambridge-Newton, MA-NH$117,520+28.9%
Portland-Vancouver-Hillsboro, OR-WA$117,280+28.6%

Top-paying occupations benchmarked in Memphis, TN-MS-AR

OccupationMedian annual wageMedian hourly
Chief Executives$196,680$94.56/hr
Architectural and Engineering Managers$179,670$86.38/hr
Computer and Information Systems Managers$161,790$77.78/hr
Purchasing Managers$156,830$75.40/hr
Natural Sciences Managers$155,420$74.72/hr
Financial Manager$143,880$69.17/hr
Public Relations Managers$141,340$67.95/hr
Human Resources Managers$138,560$66.62/hr
Compensation and Benefits Managers$133,150$64.01/hr
Marketing Managers$132,540$63.72/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 Memphis, TN-MS-AR (2026) Overview

Financial Analyst median pay in Memphis, TN-MS-AR is $91,180 a year ($43.84/hr). See take-home pay after 2026 taxes, BLS wage percentiles, HUD rents & living. Official 2026 economic data for Financial Analyst in Memphis, TN-MS-AR 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 Memphis, TN-MS-AR?

The median annual wage is $91,180 ($43.84 per hour). The middle 80% of earners make between $50,660 and $194,000. Source: BLS OEWS (May 2025).

What is the take-home pay for a Financial Analyst in Memphis, TN-MS-AR after taxes?

On the median wage of $91,180, a single filer with no pre-tax deductions takes home about $72,975 a year ($6,081 a month) after $18,205 in federal, FICA, state and local taxes, an effective rate of 19.97%, using 2026 tax rules.