SOC 49-9021

HVAC/R Technician 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 78.9% Realized
$44,805 / net annual direct deposit
Gross Adjusted $56,780 $27.30/hr
Effective Tax Drag 15.09% Combined Jurisdictions
Marginal Top Bracket 12% Federal Statutory
Total Withheld -$8,568 $329.56/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 $27.30 / hour
0 hrs/wk (+$0/yr)
0 hrs (Standard) 10 hrs OT 20 hrs OT 25 hrs Max
6% (-$3,407/yr)
0% Tax Shield: ~$409/yr 15% (IRS limit: $24,500)
Itemized Statutory Withholdings Ledger
Federal Income Tax (IRS)
Progressive 10%–37%
-$4,225
Social Security (FICA OASDI)
Statutory 6.20% (Cap $184,500)
-$3,520
Medicare Hospital Insurance
Statutory 1.45%
-$823
Tennessee Individual Income Tax
State Marginal Bracket
-$0
Net Take-Home Annual Realized
$44,805 ($1,723.26 / check)
Category 2 of 6

Memphis, TN-MS-AR HVAC/R Technician Wage Distribution

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

Your Salary: $56,780
MIDDLE 50% (IQR RANGE) 10th $38.8k 25th $47.4k Median: $56,780 50th (Median) $56.8k 75th $72.5k 90th $87.7k You: $56,780
10th (Entry) $38,820 $18.66/hr
25th (Junior) $47,350 $22.76/hr
50th (Median) $56,780 $27.30/hr
75th (Senior) $72,480 $34.85/hr
90th (Lead/Master) $87,650 $42.14/hr
Career Progression & Licensing Milestones for HVAC/R Technician in Memphis, TN-MS-AR
1
HVAC Apprentice / HelperEPA 608 Universal Certification, trade school certificate
$35,551$17.09/hr · 0-2 Years
2
Service TechnicianNATE certification, independent diagnostic electrical skills
$54,909$26.40/hr · 2-5 Years
3
Lead Commercial HVAC TechChiller, VRF, and building automation system certifications
$73,057$35.12/hr · 5-9 Years
4
HVAC Mechanical ContractorState Mechanical Contractor license, bonded, business operations
$100,512$48.32/hr · 9+ Years
Scaled to the Memphis, TN-MS-AR medianView National HVAC/R Technician Salary Data
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)
32% of Net Income
⚠️ Cost-Burdened (Exceeds 30% Rule)
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$56,780-$8,568$44,805$1,723.26
+5h Overtime/Wk45 hrs$67,426-$10,584$52,797$2,030.65
+10h Overtime/Wk50 hrs$78,073-$13,288$60,100$2,311.55
+15h Overtime/Wk55 hrs$88,719-$16,304$67,092$2,580.45
+20h Overtime/Wk60 hrs$99,365-$19,320$74,083$2,849.35
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

HVAC/R Technician 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
$56,780/yr
$27.30/hr · SOC 49-9021
Statutory Tax Drag
15.09% Effective
-$8,568 in Total Taxes
HUD 1BR Shelter Ratio
32% Net Pay
⚠️ Exceeds 30% HUD Rule
Monthly Discretionary
+$2,543/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 49-9021
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

HVAC/R Technician in Memphis, TN-MS-AR: Market Snapshot

HVAC/R Technician roles in Memphis, TN-MS-AR report a median annual wage of $56,780, 6.9% below the national median of $61,010. The 10th to 90th percentile band runs from $38,820 to $87,650, and HUD’s $1,191 monthly one-bedroom fair market rent equals 25.2% of that median gross pay. The single-adult living wage benchmark for the area is $23.64 per hour.

Highest-paying metropolitan areas for HVAC/R Technician

Metropolitan areaMedian annual wageVs this market
Fairbanks-College, AK$93,820+65.2%
Anchorage, AK$85,620+50.8%
Napa, CA$84,570+48.9%
San Jose-Sunnyvale-Santa Clara, CA$82,050+44.5%
Seattle-Tacoma-Bellevue, WA$80,100+41.1%
Santa Rosa-Petaluma, CA$79,510+40.0%
Peoria, IL$78,710+38.6%
Santa Maria-Santa Barbara, CA$78,640+38.5%
Boston-Cambridge-Newton, MA-NH$78,530+38.3%
San Francisco-Oakland-Fremont, CA$78,490+38.2%

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, 389 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.

HVAC/R Technician Salary in Memphis, TN-MS-AR (2026) Overview

HVAC/R Technician median pay in Memphis, TN-MS-AR is $56,780 a year ($27.30/hr). See take-home pay after 2026 taxes, BLS wage percentiles, HUD rents & living. Official 2026 economic data for HVAC/R Technician 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 HVAC/R Technician in Memphis, TN-MS-AR?

The median annual wage is $56,780 ($27.30 per hour). The middle 80% of earners make between $38,820 and $87,650. Source: BLS OEWS (May 2025).

What is the take-home pay for a HVAC/R Technician in Memphis, TN-MS-AR after taxes?

On the median wage of $56,780, a single filer with no pre-tax deductions takes home about $47,803 a year ($3,984 a month) after $8,977 in federal, FICA, state and local taxes, an effective rate of 15.81%, using 2026 tax rules.