SOC 11-3031

Financial Manager 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 71.6% Realized
$103,047 / net annual direct deposit
Gross Adjusted $143,880 $69.17/hr
Effective Tax Drag 22.38% Combined Jurisdictions
Marginal Top Bracket 24% Federal Statutory
Total Withheld -$32,200 $1,238.47/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 $69.17 / hour
0 hrs/wk (+$0/yr)
0 hrs (Standard) 10 hrs OT 20 hrs OT 25 hrs Max
6% (-$8,633/yr)
0% Tax Shield: ~$2,072/yr 15% (IRS limit: $24,500)
Itemized Statutory Withholdings Ledger
Federal Income Tax (IRS)
Progressive 10%–37%
-$21,193
Social Security (FICA OASDI)
Statutory 6.20% (Cap $184,500)
-$8,921
Medicare Hospital Insurance
Statutory 1.45%
-$2,086
Tennessee Individual Income Tax
State Marginal Bracket
-$0
Net Take-Home Annual Realized
$103,047 ($3,963.35 / check)
Category 2 of 6

Memphis, TN-MS-AR Financial Manager Wage Distribution

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

Your Salary: $143,880
MIDDLE 50% (IQR RANGE) 10th $80.1k 25th $109k Median: $143,880 50th (Median) $144k 75th $202k 90th $274k You: $143,880
10th (Entry) $80,110 $38.51/hr
25th (Junior) $109,380 $52.59/hr
50th (Median) $143,880 $69.17/hr
75th (Senior) $201,890 $97.06/hr
90th (Lead/Master) $273,740 $131.61/hr
Career Progression & Licensing Milestones for Financial Manager in Memphis, TN-MS-AR
1
Senior Financial AnalystBachelor's degree (most common O*NET requirement); entry into the field
$81,455$39.16/hr · 0-2 Years
2
Assistant Finance ManagerDemonstrated results in role; works independently on core responsibilities; CPA or CFA designation
$108,405$52.12/hr · 2-5 Years
3
Financial ManagerFull professional competence; leads projects or a small team
$143,906$69.19/hr · 5-9 Years
4
Senior Finance ManagerOwns budget, hiring and outcomes for a department or large program
$190,032$91.36/hr · 9-14 Years
5
Vice President of FinanceExecutive or principal scope; sets strategy across the organization or profession
$279,260$134.26/hr · 14+ Years
Scaled to the Memphis, TN-MS-AR 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 Memphis, TN-MS-AR 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) $1,191/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$143,880-$32,200$103,047$3,963.35
+5h Overtime/Wk45 hrs$170,858-$40,350$120,256$4,625.23
+10h Overtime/Wk50 hrs$197,835-$47,673$138,292$5,318.91
+15h Overtime/Wk55 hrs$224,813-$54,374$156,950$6,036.54
+20h Overtime/Wk60 hrs$251,790-$62,599$174,084$6,695.54
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 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
$143,880/yr
$69.17/hr · SOC 11-3031
Statutory Tax Drag
22.38% Effective
-$32,200 in Total Taxes
HUD 1BR Shelter Ratio
14% Net Pay
✓ Passes 30% HUD Rule
Monthly Discretionary
+$7,396/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 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 Memphis, TN-MS-AR: Market Snapshot

Financial Manager roles in Memphis, TN-MS-AR report a median annual wage of $143,880, 13.6% below the national median of $166,570. The 10th to 90th percentile band runs from $80,110 to $273,740, and HUD’s $1,191 monthly one-bedroom fair market rent equals 9.9% 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 Manager

Metropolitan areaMedian annual wageVs this market
San Jose-Sunnyvale-Santa Clara, CA$225,280+56.6%
New York-Newark-Jersey City, NY-NJ$221,010+53.6%
San Francisco-Oakland-Fremont, CA$216,150+50.2%
Bridgeport-Stamford-Danbury, CT$211,000+46.6%
Boston-Cambridge-Newton, MA-NH$209,780+45.8%
Denver-Aurora-Centennial, CO$193,400+34.4%
Boulder, CO$192,970+34.1%
Seattle-Tacoma-Bellevue, WA$185,550+29.0%
Washington-Arlington-Alexandria, DC-VA-MD-WV$185,270+28.8%
Trenton-Princeton, NJ$184,800+28.4%

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
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
Administrative Services Managers$130,580$62.78/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 Memphis, TN-MS-AR (2026) Overview

Financial Manager median pay in Memphis, TN-MS-AR is $143,880 a year ($69.17/hr). See take-home pay after 2026 taxes, BLS wage percentiles, HUD rents & living. Official 2026 economic data for Financial Manager 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 Manager in Memphis, TN-MS-AR?

The median annual wage is $143,880 ($69.17 per hour). The middle 80% of earners make between $80,110 and $273,740. Source: BLS OEWS (May 2025).

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

On the median wage of $143,880, a single filer with no pre-tax deductions takes home about $109,608 a year ($9,134 a month) after $34,272 in federal, FICA, state and local taxes, an effective rate of 23.82%, using 2026 tax rules.