Salario de Farmacéutico en Tennessee (2026)
El salario promedio de un Farmacéutico en Tennessee es de $128,000/año. Después de impuestos, tu sueldo neto estimado es de $98,754/año ($8,230/mes).
Desglose del Sueldo Neto
| Categoría | Cantidad |
|---|---|
Sueldo Neto Anual | $98,754 |
Sueldo Neto Mensual | $8,230 |
Sueldo Neto Quincenal | $3,798 |
Sueldo Neto por Hora basado en 2,080 hrs/año | $47/hr |
Impuesto Federal | $19,454 |
Impuesto Estatal | $0 |
Impuestos FICA | $9,792 |
Tasa Efectiva de Impuesto impuestos totales ÷ salario bruto | 22.85% |
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¿Trabajas horas extra? La deducción OBBBA 2025 puede ahorrarte hasta $12,500 en impuesto federal. Abrir la calculadora de horas extra →
Rangos de Salario de Farmacéutico en Tennessee
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 $7,500-$9,500/year higher than equivalent base in NC (3.99%), GA (5.19%), or KY (4.0%). At $165K oncology specialty pharmacist comp, the gap widens to $9,500-$12,000/year. Compounded over a 25-year career: $200-$300K 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 $5,880/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 $47K/year pre-tax shelter. Federal compounding compounds harder in TN with no state offset on contributions or distributions.
Backdoor Roth IRA is highly relevant — at $138K+ pharmacist comp, direct Roth IRA phases out (single phase-out $146K-$161K, $230K-$240K). at HCA / Vanderbilt / BCBSTN if employer's 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 $5,880/year. At Vanderbilt 501(c)(3), max AND = $47K 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.
- →Backdoor Roth IRA $7,500/year — direct Roth phases out at $146K single / $230K ; backdoor only path at TN pharmacist comp tier.
- → 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
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