salary.city
●Index Last Audited: 2026

Occupational Therapists Salary in Memphis, TN

Projected Base $103,484 — but what does that actually buy you here?

2026 Base Projection (adjusted +5.1% for inflation from latest BLS release) 500 employed locally

Core Salary Percentiles

$98,500
Median Annual
$75k — $117k
$75k$81k$103k (Est. 2026)$107k$117k
Memphis is a purchasing power sweet spot for this role
A $103,484 salary stretches 14% further than the national average here. With a home-price-to-income ratio of just 2x, homeownership is realistically within reach — a rare combination in today's market.

Purchasing Power

$80,960/yr
After-Tax Income
$6,747/mo
Monthly Take-Home
87.5
Cost of Living Index
114%
Purchasing Power
Salary Equivalent
In San Francisco:$224,353/yr
In New York City:$221,397/yr

Tax Liability Blueprint

Base Compensation$103,484
Federal Tax-$14,607
FICA / Medicare-$7,917
State Tax (TN)$0
Net Take-Home$80,960
Effective Tax Rate21.8%
Calculations powered by zero-latency 2024 IRS Federal & State Marginal Tax engine. Data provided for estimation purposes.

Housing Affordability

$1,000/mo
HUD 1BR Fair Market Rent
15%
Rent-to-Income Ratio
$5,747/mo
Disposable After Rent

Run The Numbers

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Verified Big Tech Offers

Recent H-1B certified base salaries for Memphis, TN. Source: U.S. DoL OFLC.

Microsoft
Software Engineering
Base Salary$140,000
Effective Tax24%
After Tax (Net)$106,152

Occupational Therapists — Other Cities

CityMedianCOLPower
San Jose, CA $135k195.351%
San Francisco, CA $129k189.753%
Sacramento, CA $124k120.383%
Stockton, CA $119k105.895%
Los Angeles, CA $115k166.560%
San Diego, CA $112k160.162%
Riverside, CA $109k110.590%
Fresno, CA $107k99.2101%

Top Salaries in Memphis

Similar Healthcare Roles in Memphis

RoleMedianTake-Home
Pharmacists$134k$9k/mo
Physician Assistants$124k$8k/mo
Physical Therapists$101k$7k/mo
Registered Nurses$79k$6k/mo
Dental Hygienists$76k$5k/mo
VERIFIED DATA LAYER

Data Methodology & Authenticity

Eleanor Vance
Eleanor Vance(Credentials)
Lead Data Editor
01Official BLS Sources

Aggregated directly from the U.S. Bureau of Labor Statistics (BLS) OES National Dataset. This matrix continuously analyzes over 45,000+ verified tax and payroll records locally.

02Inflation Alignment

Raw historical BLS data is algorithmically projected to 2026 using a dynamic compound inflation adjustment model to reflect real-time economic buying power.

03IRS Tax Deduction Engine

Every wage band is meticulously processed through our proprietary 50-state local tax engine. We evaluate your gross base against 2024 progressive IRS Federal, FICA, and exact localized state tax brackets, guaranteeing highly precise "Net Take-Home" data streams rather than simple baseline median averages.

04HUD Fair Market Rents

Our housing affordability indices bypass estimation completely. We anchor localized rental deductions against empirical datasets published by the **U.S. Department of Housing and Urban Development (HUD)**, locking onto exact MSA-level 1-Bedroom Fair Market Rents (FMR).

05DoL H-1B Verification

Top-tier data logic is cross-audited against the **U.S. Department of Labor OFLC LCA Disclosures**. We ingest millions of records to extract verified base salary offers directly from established Big Tech giants (Google, Meta, Apple), stripping out low-confidence projections.

Frequently Asked Questions

A $98,500 salary in Memphis, TN provides 114% of national-average purchasing power. After federal and state taxes, you'd take home approximately $6,747/month. With the median home price at $210,000, the home-price-to-income ratio is 2x. This salary offers above-average purchasing power in this metro area.