Salario de Farmacéutico en Tennessee (2026)
Salario promedio de Farmacéutico en Tennessee
$131,270/año
≈ $63/hora antes de impuestos
Después de impuestos (soltero)
$100,989/año
$8,416/mes · tasa efectiva 23.07%
- Federal $20,239
- FICA $10,042
- Neto
Salario por puesto en Tennessee
- Hospital Staff Pharmacist$130,000–$148,000
- Specialty / Oncology Pharmacist$135,000–$165,000
- Retail Chain Pharmacist$120,000–$142,000
- Compounding / Specialty Pharmacy$128,000–$155,000
- PBM / Managed Care Pharmacist$135,000–$170,000
- Pharmacy Manager (Retail or Hospital)$148,000–$185,000
Ver el desglose fiscal completo
| Categoría | Cantidad |
|---|---|
Sueldo Neto Anual | $100,989 |
Sueldo Neto Mensual | $8,416 |
Sueldo Neto Quincenal | $3,884 |
Sueldo Neto por Hora basado en 2,080 hrs/año | $49/hr |
Impuesto Federal | $20,239 |
Impuesto Estatal | $0 |
Impuestos FICA | $10,042 |
Tasa Efectiva de Impuesto impuestos totales ÷ salario bruto | 23.07% |
Tennessee pharmacy comp anchors at $130-148K mid-career staff at HCA Healthcare (Nashville HQ), Vanderbilt University Medical Center, BlueCross BlueShield TN (Chattanooga HQ), and the dense Walgreens / CVS / Kroger retail network. Tennessee charges 0% state income tax on every dollar, and the Hall income tax (which historically taxed dividends and interest at 6%) was fully repealed effective 2021 — so investment income is also 0% state. Property tax is 0.64% effective — among the lowest in the country. The trade-offs: TN retail pharmacy has contracted nationally (Walgreens closures, CVS pricing pressure) and base salary runs slightly below high-tax states like CA or NY. The 0% state stack still produces meaningfully better take-home math at every comp tier.
No todas las Farmacéuticos ganan lo mismo — ni de cerca
TN pharmacy splits across hospital, retail chain, specialty/oncology, and PBM/managed-care. Vanderbilt University Medical Center anchors academic + specialty oncology pharmacy; HCA Healthcare's 180+ hospitals run a substantial pharmacy operations network; BlueCross BlueShield TN is one of the largest US Blues plans with PBM functions; Walgreens / CVS / Kroger / Publix retail dense across Nashville / Memphis / Knoxville / Chattanooga. ETSU + UT Health Sciences Memphis + Belmont produce the in-state PharmD pipeline.
Hospital Staff Pharmacist
$130,000–$148,000
Vanderbilt / HCA / Methodist Le Bonheur · standard W-2 + benefits + retirement match
Specialty / Oncology Pharmacist
$135,000–$165,000
BCOP / oncology cert premium · Vanderbilt-Ingram / HCA cancer centers
Retail Chain Pharmacist
$120,000–$142,000
Walgreens / CVS / Kroger · base + sign-on (declining post-2023 industry contraction)
Compounding / Specialty Pharmacy
$128,000–$155,000
Specialty cert · USP 797 / 800 compliance · long-term-care market
PBM / Managed Care Pharmacist
$135,000–$170,000
BCBSTN PBM operations · CVS Caremark TN ops · Cigna / Express Scripts
Pharmacy Manager (Retail or Hospital)
$148,000–$185,000
P&L responsibility · DEA-registered controlled-substance management
Clinical Pharmacist (Hospital Specialty)
$132,000–$160,000
PGY1/PGY2 residency-trained · ICU / cardiology / ID specialty
PharmD New Graduate
$115,000–$132,000
Sign-on bonus standard · retail vs hospital track decision year 1
Vale la pena saber: HCA Healthcare (Nashville HQ, ~190 hospitals nationwide) and Vanderbilt University Medical Center anchor TN hospital pharmacy. Vanderbilt-Ingram Cancer Center is NCI-Designated Comprehensive — premium specialty oncology pharmacy market. BlueCross BlueShield of Tennessee (Chattanooga HQ, ~6,500 employees) operates one of the largest US Blues plans with internal PBM functions. ETSU Bill Gatton College of Pharmacy + UT Health Sciences Memphis College of Pharmacy + Belmont University College of Pharmacy + Lipscomb College of Pharmacy + Union University School of Pharmacy + South College School of Pharmacy produce the TN PharmD pipeline. TN Board of Pharmacy licensure required; reciprocity with most states.
OBBBA overtime, the 0% state stack, and Tennessee pharmacy industry context
0%
TN state income tax + 0% on investment income (Hall tax repealed 2021)
0.64%
TN effective property tax — among the lowest in the US
$130-148K
TN hospital staff pharmacist base · Vanderbilt / HCA / Methodist Le Bonheur tier
Pharmacist OT depends on classification — most retail pharmacy positions are FLSA-exempt (professional exemption applies), so OT isn't standard. Hospital staff pharmacist roles vary by employer; some are FLSA-exempt (no OT) while shift-based per-diem and nights/weekends often pay shift differentials and OT premiums. Floater retail and per-diem hospital pharmacist work at $65-90/hour is the most common form of OT-eligible income.
The 2025 law (One Big Beautiful Bill Act) created a brand-new federal deduction on the premium portion of overtime pay. For tax years 2025 through 2028, you can deduct up to $12,500/year (single) or $25,000 (married filing jointly) of qualifying OT premium from your federal taxable income. Premium portion = the half of time-and-a-half. For TN pharmacists, this most commonly applies to per-diem hospital shifts paid at hourly rates with OT triggers above 40 hours/week aggregate.
Real numbers for a Vanderbilt staff pharmacist at $138K base + per-diem floater $24K supplemental ($75/hr × 320 hours/year). If structured as hourly with OT premium portion on hours above 40/week aggregate, roughly $4,000-$6,000 typically qualifies as -eligible OT premium. Single filer at the 22-24% federal bracket → about $880-$1,440 federal back annually. TN's 0% state means the OBBBA federal deduction is the entire savings story — no state conformity to wait on.
Tennessee for pharmacists — the honest take
TN pharmacy clusters in three main metros. Nashville (HCA Healthcare HQ + Vanderbilt + Saint Thomas + Williamson Medical) is the densest hospital pharmacy market and largest PBM-adjacent employer market. Memphis (Methodist Le Bonheur Healthcare + Regional One Health + UT Health Memphis) anchors west TN with strong oncology / pediatric specialty pharmacy. Knoxville (UT Medical Center + Covenant Health) and Chattanooga (Erlanger + BlueCross BlueShield TN HQ) anchor east TN. Plus the dense Walgreens / CVS / Kroger / Publix retail networks across all metros.
Nashville housing has appreciated sharply since 2020 — Williamson County (Franklin, Brentwood, Nolensville) at $700K-$1.2M, Davidson County premium neighborhoods (Green Hills, Belle Meade) at $800K-$1.5M. Most senior pharmacists commute from Hendersonville (Sumner County, $400-600K) or Murfreesboro (Rutherford County, $375-525K). Memphis suburbs (Germantown, Collierville) at $400-700K, Knoxville suburbs (Farragut, West Knoxville) at $400-650K, Chattanooga (Hamilton County) at $325-500K — all materially more affordable than Nashville post-2020 boom.
Most senior TN pharmacists retire in-state. TN's 0% state extends to retirement income ( / IRA / pension distributions, Social Security all entirely state-tax-free), and the Hall tax repeal (2021) means investment income is also 0% state. Property tax 0.64% effective on a paid-off home is among the lowest in the US. The relocation pressure that pushes senior pharmacists out of CA / NY / NJ doesn't exist in TN — late-career math is already among the most favorable in the country. Common retirement-relocation patterns are intra-state: Smoky Mountains foothills, Knoxville area, or staying in Williamson County.
How Tennessee taxes work for pharmacists (and where the levers are)
Tennessee charges 0% state income tax — full stop. No tax on base salary, hospital shift differentials, retail bonus, per-diem hourly, oncology specialty premium, or PBM/managed-care comp. The Hall income tax (which historically taxed dividends and interest at 6%) was fully repealed effective 2021, so investment income is also 0% state. For a $138K mid-career TN hospital pharmacist, the 0% state means take-home is roughly $4,800-$6,900/year higher than equivalent base in NC (3.99%), GA (4.99%), or KY (3.5%). At $165K oncology specialty pharmacist comp, the gap widens to $5,800-$8,200/year. Compounded over a 25-year career: $150-$200K in cumulative state-tax savings.
maxing is the central active-duty move. Most TN hospital and corporate pharmacy employers offer 401(k) with 4-6% match. At $138K pharmacist comp + ~24% federal bracket, maxing the $24,500 limit saves about $5,700/year in federal tax. HCA / Vanderbilt / BCBSTN typically offer additional voluntary (non-profit hospitals only) or options — Vanderbilt as a 501(c)(3) academic medical center offers both 403(b) and 457(b) for combined $49K/year pre-tax shelter. Federal compounding compounds harder in TN with no state offset on contributions or distributions.
Backdoor Roth IRA matters only at the top of the pharmacist range — at $138K a maxed brings to about $113,500, well under the single phase-out ($153K-$168K, $242K-$252K), so direct Roth works; pharmacy managers near $185K or a heavy per-diem year are where the backdoor comes in. Mega Backdoor Roth at HCA / Vanderbilt / BCBSTN if employer's 401(k) plan offers after-tax contributions + in-plan Roth conversion — adds up to $47.5K/year of additional Roth shelter on top of the standard $24,500 pre-tax. Verify with HR; not all TN pharmacy employers offer the after-tax + in-plan-conversion structure.
Property tax 0.64% effective is the regional advantage. On a $475K Williamson County home that's $3,040/year — vs $5,800 on equivalent NC home (1.21%) or $8,000+ on equivalent NJ home (2.21%). TN homestead exemption applies to elderly / disabled homeowners under specific income thresholds. The TN pharmacist who buys long-term in Williamson County or Knox County captures both the 0% income tax during working years AND low property tax through retirement.
- →Stay in TN for retirement — 0% state on + IRA + Social Security + investment income (post-Hall-repeal). Among the most favorable US pharmacist retirement tax structures.
- →Max at $24,500/year — at $138K TN pharmacist 24% federal marginal, saves about $5,700/year. At Vanderbilt 501(c)(3), max AND = $49K combined federal pre-tax. Federal-only savings compound harder with no state offset.
- → at HCA / Vanderbilt / BCBSTN if employer's plan offers after-tax + in-plan-Roth-conversion — $47.5K/year additional Roth shelter. Verify with HR.
- →Pursue oncology specialty (BCOP cert) at Vanderbilt-Ingram Cancer Center — $135-165K + cert premium. NCI-Designated Comprehensive Cancer Center, premium specialty market.
- →Roth IRA $7,500/year — direct at most TN pharmacist comp once the is maxed ( under the $153K single / $242K phase-out start); backdoor only above $168K MAGI.
- → for non-profit hospital pharmacists at Vanderbilt / Methodist Le Bonheur / Erlanger / UT Medical Center — 10 years qualifying payments → tax-free PharmD debt forgiveness on remaining federal balance.
The Tennessee pharmacist career arc — PharmD entry to retirement
Years 0-3 (new grad PharmD): $115-132K with sign-on bonus typical $5-15K. PharmD + TN Board of Pharmacy licensure (NAPLEX + MPJE TN-specific). Decision point: retail (Walgreens / CVS / Kroger / Publix) vs hospital (Vanderbilt / HCA / Methodist Le Bonheur / UT Medical). Retail offers higher entry comp + sign-on but contracting industry; hospital offers PGY1 residency pathway + specialty career arc. accumulating at non-profit hospitals from year 1.
Years 3-10 (established staff / specialty pursuit): $132-160K depending on track. Hospital staff at Vanderbilt / HCA / Methodist Le Bonheur runs $132-148K base + benefits. Specialty pharmacy (oncology, ID, cardiology, ICU) with PGY2 residency + cert (BCOP, BCIDP, BCCCP, BCPS) adds $5-15K premium. PBM/managed-care pivot at BCBSTN / CVS Caremark TN runs $135-170K with corporate-track bonus. Maxing + / at non-profits is the central active-duty move.
Years 10+ (senior + management + retirement): $148-185K pharmacy manager track at retail or hospital. Senior specialty / management roles at HCA HQ Nashville or BCBSTN Chattanooga reach $165-200K. Most TN pharmacists retire in-state — 0% state on + IRA + Social Security + investment income makes the late-career math materially favorable vs CA / NY / NJ peers. Property tax 0.64% on paid-off home keeps housing burden low through retirement.
Where Tennessee pharmacists actually live
TN pharmacist housing tracks employer + metro. Vanderbilt / HCA HQ pharmacists cluster in Nashville (Green Hills, Belle Meade, Williamson County). Memphis pharmacists in Germantown / Collierville. Knoxville pharmacists in Farragut / West Knoxville. Chattanooga pharmacists in Hamilton County suburbs.
Franklin / Brentwood (Williamson County)
Vanderbilt / HCA HQ commute · top-tier schools · $700K-$1.2M family homes
Hendersonville / Mt. Juliet (Sumner / Wilson)
Vanderbilt / HCA commute 25-40 min · $400-600K · more affordable
Germantown / Collierville (Shelby County)
Methodist Le Bonheur / UT Memphis commute · $400-700K · top suburban districts
Farragut / West Knoxville (Knox County)
UT Medical Center / Covenant commute · $400-650K · UT-Knoxville academic adjacency
Hamilton County (Chattanooga)
Erlanger / BCBSTN HQ · $325-500K · cleanest cost-to-pay ratio in TN pharmacy
Most senior TN pharmacists retire in-state — 0% state on retirement income + low property tax (0.64% effective) + lower COL than coastal peer states make the late-career math among the most favorable in the country.
¿Es la decisión correcta?
Tennessee pharmacy — who it's best for
A tu favor
- +0% state income tax + Hall tax repealed 2021 — also 0% on investment income · among most favorable US pharmacist tax structures
- +Property tax 0.64% effective — among the lowest in the country
- +Vanderbilt-Ingram NCI-Designated Comprehensive Cancer Center · premium oncology pharmacy specialty market
- +HCA Healthcare HQ Nashville + BCBSTN HQ Chattanooga · strong corporate-track + PBM career options
Vale la pena saber antes de firmar
- −TN retail pharmacy contracting nationally — Walgreens closures + CVS pricing pressure affect retail track
- −TN base pharmacist comp slightly below coastal high-tax states — 0% state stack required to reach competitive take-home
- −Nashville housing appreciated sharply post-2020 — Williamson County premium tier $700K-$1.2M
- −Limited collective bargaining for non-academic hospital pharmacists — direct employer negotiation standard
Fuentes y Metodología
- →IRS Rev. Proc. 2025-32 — tramos federales y deducción estándar 2026
- →IRS Notice 2025-67 — límites de aportación a planes de jubilación 2026
- →IRS Rev. Proc. 2025-19 — límites de aportación a HSA 2026
- →Administración del Seguro Social — base salarial del Seguro Social 2026
- →Estadísticas de Empleo y Salarios por Ocupación (BLS OES) — datos salariales de Farmacéutico en Tennessee
Las cifras salariales son estimaciones de mercado para Farmacéutico en Tennessee y varían según el empleador, la especialidad, la antigüedad y el área metropolitana. Los cálculos de sueldo neto asumen un declarante soltero sin dependientes, la deducción estándar y ningún impuesto estatal sobre la renta (Tennessee no lo cobra). Los impuestos locales, las primas de seguro y las aportaciones antes de impuestos cambiarán tu resultado — usa la calculadora para tu situación específica.
Calcula tu caso
- Calculadora de sueldo de Tennessee → · 401(k), HSA, dependientes
- calculadora de bonos → · fin de año, firma, retención
- calculadora 1099 → · impuesto de autoempleo 15.3%
- calculadora de horas extra → · hasta $12,500 menos de impuesto federal
Frequently Asked Questions
Find answers to common questions about your taxes and our calculator.
Comparar dos estados
Compara el impuesto sobre la renta, el salario neto y la carga fiscal total entre cualquier par de estados de EE.UU.
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