SOC 11-3031

Financial Manager 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 71.2% Realized
$107,927 / net annual direct deposit
Gross Adjusted $151,530 $72.85/hr
Effective Tax Drag 22.78% Combined Jurisdictions
Marginal Top Bracket 24% Federal Statutory
Total Withheld -$34,511 $1,327.35/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 $72.85 / hour
0 hrs/wk (+$0/yr)
0 hrs (Standard) 10 hrs OT 20 hrs OT 25 hrs Max
6% (-$9,092/yr)
0% Tax Shield: ~$2,182/yr 15% (IRS limit: $24,500)
Itemized Statutory Withholdings Ledger
Federal Income Tax (IRS)
Progressive 10%–37%
-$22,919
Social Security (FICA OASDI)
Statutory 6.20% (Cap $184,500)
-$9,395
Medicare Hospital Insurance
Statutory 1.45%
-$2,197
Tennessee Individual Income Tax
State Marginal Bracket
-$0
Net Take-Home Annual Realized
$107,927 ($4,151.04 / check)
Category 2 of 6

Chattanooga, TN-GA Financial Manager Wage Distribution

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

Your Salary: $151,530
MIDDLE 50% (IQR RANGE) 10th $84.5k 25th $110k Median: $151,530 50th (Median) $152k 75th $188k 90th $294k You: $151,530
10th (Entry) $84,480 $40.62/hr
25th (Junior) $109,550 $52.67/hr
50th (Median) $151,530 $72.85/hr
75th (Senior) $187,710 $90.25/hr
90th (Lead/Master) $293,890 $141.29/hr
Career Progression & Licensing Milestones for Financial Manager in Chattanooga, TN-GA
1
Senior Financial AnalystBachelor's degree (most common O*NET requirement); entry into the field
$85,785$41.24/hr · 0-2 Years
2
Assistant Finance ManagerDemonstrated results in role; works independently on core responsibilities; CPA or CFA designation
$114,168$54.89/hr · 2-5 Years
3
Financial ManagerFull professional competence; leads projects or a small team
$151,557$72.86/hr · 5-9 Years
4
Senior Finance ManagerOwns budget, hiring and outcomes for a department or large program
$200,136$96.22/hr · 9-14 Years
5
Vice President of FinanceExecutive or principal scope; sets strategy across the organization or profession
$294,108$141.40/hr · 14+ Years
Scaled to the Chattanooga, TN-GA medianView National Financial Manager Salary Data
Adjacent Career Pivots & National Pay Differences
Accountants and Auditors-$82,890/yr
National median: $83,680
Skill overlap: 91%View Salary
Personal Financial Advisors-$61,500/yr
National median: $105,070
Skill overlap: 90%
Loan Officers-$89,880/yr
National median: $76,690
Skill overlap: 90%
Credit Analysts-$83,060/yr
National median: $83,510
Skill overlap: 84%
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)
14% 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$151,530-$34,511$107,927$4,151.04
+5h Overtime/Wk45 hrs$179,942-$43,094$126,051$4,848.11
+10h Overtime/Wk50 hrs$208,354-$50,274$145,579$5,599.18
+15h Overtime/Wk55 hrs$236,766-$57,726$164,834$6,339.75
+20h Overtime/Wk60 hrs$265,178-$66,940$182,327$7,012.57
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 Manager 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
$151,530/yr
$72.85/hr · SOC 11-3031
Statutory Tax Drag
22.78% Effective
-$34,511 in Total Taxes
HUD 1BR Shelter Ratio
14% Net Pay
✓ Passes 30% HUD Rule
Monthly Discretionary
+$7,763/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 11-3031
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 Manager in Chattanooga, TN-GA: Market Snapshot

Financial Manager roles in Chattanooga, TN-GA report a median annual wage of $151,530, 9.0% below the national median of $166,570. The 10th to 90th percentile band runs from $84,480 to $293,890, and HUD’s $1,231 monthly one-bedroom fair market rent equals 9.7% 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 Manager

Metropolitan areaMedian annual wageVs this market
San Jose-Sunnyvale-Santa Clara, CA$225,280+48.7%
New York-Newark-Jersey City, NY-NJ$221,010+45.9%
San Francisco-Oakland-Fremont, CA$216,150+42.6%
Bridgeport-Stamford-Danbury, CT$211,000+39.2%
Boston-Cambridge-Newton, MA-NH$209,780+38.4%
Denver-Aurora-Centennial, CO$193,400+27.6%
Boulder, CO$192,970+27.3%
Seattle-Tacoma-Bellevue, WA$185,550+22.5%
Washington-Arlington-Alexandria, DC-VA-MD-WV$185,270+22.3%
Trenton-Princeton, NJ$184,800+22.0%

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
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
Sales Managers$118,720$57.08/hr

Wage data: U.S. Bureau of Labor Statistics OEWS May 2025, 390 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 Manager Salary in Chattanooga, TN-GA (2026) Overview

Financial Manager median pay in Chattanooga, TN-GA is $151,530 a year ($72.85/hr). See take-home pay after 2026 taxes, BLS wage percentiles, HUD rents & living. Official 2026 economic data for Financial Manager 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 Manager in Chattanooga, TN-GA?

The median annual wage is $151,530 ($72.85 per hour). The middle 80% of earners make between $84,480 and $293,890. Source: BLS OEWS (May 2025).

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

On the median wage of $151,530, a single filer with no pre-tax deductions takes home about $114,837 a year ($9,570 a month) after $36,693 in federal, FICA, state and local taxes, an effective rate of 24.22%, using 2026 tax rules.