Surgeon Salary in Georgia (2026)
Average Surgeon pay in Georgia
$459,440/year
≈ $221/hour before tax
After tax (single filer)
$292,888/year
$24,407/month · effective tax rate 36.25%
- Federal $123,938
- State $22,178
- FICA $20,436
- Take-home
Pay by role in Georgia
- Surgeon (CT / neuro / oncology / general)BLS · middle 50%$368,170–$529,100
- AnesthesiologistBLS · middle 50%$218,210–$341,560
See the full tax breakdown
| Category | Amount |
|---|---|
Annual Take-Home Pay | $292,888 |
Monthly Take-Home Pay | $24,407 |
Biweekly Take-Home Pay | $11,265 |
Hourly Take-Home Pay based on 2,080 hrs/year | $141/hr |
Federal Tax | $123,938 |
State Tax | $22,178 |
FICA Taxes | $20,436 |
Effective Tax Rate total taxes ÷ gross salary | 36.25% |
Atlanta is the medical capital of the Southeast and Georgia is structurally one of the strongest US Sun Belt surgeon markets nobody mentions next to TX / FL. Emory Healthcare anchors a top-20 US academic medicine ecosystem (Emory University Hospital + Emory Saint Joseph's + Emory Decatur + Emory University School of Medicine), Children's Healthcare of Atlanta (CHOA) is a top-10 US pediatric hospital, and Northside Hospital handles ~27,000 deliveries/year — among the highest-volume single-system OB programs in the country. GA flat 4.99% income tax (HB 463, 2026) with no local income tax + GA $65K retirement income exclusion at 65+ ($35K at 62-64) makes the late-career math meaningfully better than NJ / NY / IL peers. Property tax averages 0.92%; Sun Belt growth supports sustained surgical demand.
Not all Surgeons earn the same — not even close
GA surgeon comp clusters around three regional ecosystems plus the Atlanta cosmetic plastic surgery cluster. Metro Atlanta: Emory Healthcare + Northside Hospital + Piedmont Healthcare + Wellstar Health System + CHOA + Grady Memorial (Trauma I + safety-net). Augusta: Augusta University Health System (academic — Augusta University Medical College of Georgia, oldest US medical schools). Coastal: Memorial Health Savannah + St. Joseph's/Candler. Cosmetic plastic surgery cluster on Atlanta Buckhead / Sandy Springs / Piedmont Hospital area.
Surgeon (CT / neuro / oncology / general)
$368,170–$529,100
Emory Heart & Vascular Institute · transplant + complex CT · 403(b) + 457(b) + research time
Source: BLS May 2025 · Surgeons, All Other · Georgia · middle 50%
Anesthesiologist
$218,210–$341,560
CRNA-supervision · ASC partnership at outpatient surgical centers
Source: BLS May 2025 · Anesthesiologists · Georgia · middle 50%
Worth knowing: GA-specific layers: GA flat 4.99% for 2026, cut from 5.49% when the flat structure began in 2024 — among the lower non-zero rates in the Southeast. GA $65K retirement income exclusion at 65+ ($35K at 62-64) is meaningful for late-career — exempts pension / / IRA / dividends / interest / rental income. No local income tax overlay (cleaner than OH RITA / CCA or PA EIT). GA conforms to federal pre-tax 401(k) / / . Atlanta has emerged as major medical-relocation destination post-2020 — physician flow from NY / NJ / IL specifically for the 4.99% flat + cheaper housing + Hartsfield-Jackson access. Hurricane risk meaningful in coastal Savannah but moderate inland.
Surgical comp levers, GA retirement exclusion, and the Sun Belt growth dynamic
Top 10
Children's Healthcare of Atlanta (CHOA) — top-10 US pediatric hospital
~27K
Northside Hospital annual deliveries — among highest-volume US single-system OB programs
$65K / $130K
GA retirement income exclusion at 65+ (single / MFJ) — meaningful late-career advantage
GA surgeon RVU compensation parallels PA / IL — $55-$75 per work-RVU above threshold. High-volume orthopedic + cardiothoracic surgeons at Emory / Piedmont / Wellstar / Northside clear 12,000-15,000 work-RVU/year ($650K-$950K combined comp before ASC). Call coverage at Grady Trauma I + Wellstar Trauma + Emory + Piedmont adds $1,500-$5,000/24-hour shift. Combined federal + GA + Medicare marginal at $700K is ~43-45% — meaningfully lower than CA's 50-54% or NY+NYC's 50-53%. The Sun Belt growth dynamic supports sustained surgical demand — Atlanta is consistently among fastest-growing US metros, with population aging into Medicare-volume specialties.
eligibility at Emory Healthcare, Piedmont Healthcare, Wellstar Health System, CHOA, Grady Memorial, Northside Hospital, Augusta University Health, Memorial Health Savannah (all 501(c)(3) non-profit + government) = $0 tax-free $300K-$500K student loan forgiveness over 10 years post-PGY1. Pair with + dual-shelter at Emory faculty appointment + research time, and the academic comp gap closes substantially. CHOA pediatric subspecialty career arc is structurally distinctive — top-10 US pediatric program at GA's flat 4.99% rather than a coastal-state equivalent.
Atlanta has emerged as a major medical-relocation destination post-2020 — substantial physician flow from NY / NJ / IL / MA for the 4.99% flat + cheaper housing + Hartsfield-Jackson access. Many established northeastern surgeons transition to Atlanta private practice + Emory faculty at year 8-15 of career — capturing both the working-years tax advantage AND the GA $65K retirement exclusion at 65+. The Big-city-with-Sun-Belt-affordability combination is structurally hard to replicate elsewhere in the Southeast.
ASC partnership in GA operates at substantial scale — Atlanta metropolitan ASC density. Buy-in $200K-$1.5M generates $80K-$400K/year facility-fee distribution as / partnership . Atlanta Buckhead / Sandy Springs orthopedic / GI / pain / cosmetic plastic ASC partnership equity sales to PE consolidator 2022-2026 realize $500K-$3M+ partner capital gains at federal 23.8% + a 4.99% GA layer. GA conforms to federal Section 1202 QSBS — federal $10M exclusion preserved at GA state level.
GA malpractice premium for high-risk surgical specialties (neurosurgery / cardiothoracic / OB-Gyn) runs $40K-$100K/year — mid-low tier US (between TX HB 4 capped $25K-$60K and IL no-cap $80K-$200K). GA $350K cap on non-economic damages (held constitutional 2010, currently in effect at 2026 — periodic legislative challenge but standing). Tail coverage on group / partnership separation $30K-$160K. Cash-balance + Solo stack at GA 1099 / surgeon: same federal architecture — $272K-$372K/year pre-tax shelter at age 50+. GA cap workaround via PTET (Pass-Through Entity Tax) election available — saves $4K-$9K/year for surgeon S-corp / partnership at $400-800K net SE income.
Georgia surgeon economics — Atlanta + Augusta + coastal Savannah
Atlanta surgeon market: Emory Healthcare + Northside Hospital + Piedmont Healthcare + Wellstar + CHOA + Grady within 30-60 minutes of suburban North Atlanta residence. Emory University Hospital + Emory Saint Joseph's + Emory Decatur anchor academic + private-practice equivalent. Workforce housing in North Atlanta (Sandy Springs / Roswell / Alpharetta / Johns Creek) at $700K-$1.5M for top-tier school districts; East Cobb (Marietta / Vinings) for Wellstar; Decatur / Druid Hills closer to Emory. Buckhead / Sandy Springs cosmetic plastic surgery cluster operates the Southeast aesthetic market.
Augusta surgeon market: Augusta University Health System (academic, Augusta University Medical College of Georgia — one of the oldest US medical schools) + Doctors Hospital + University Hospital. Smaller market than Atlanta but offers complete academic-medicine ecosystem with strong cardiothoracic + surgical oncology + neurosurgery subspecialty depth. Workforce housing dramatically affordable — Evans / Martinez (top suburbs) at $350-525K vs $700K+ Atlanta equivalents. Augusta hosts Masters Tournament annually but medical economy is steady year-round.
Savannah / coastal Georgia surgeon market: Memorial Health (HCA Healthcare-owned, Trauma I) + St. Joseph's/Candler Health System (~700 beds combined). Smaller market covers coastal GA + northeast FL tertiary referrals. Workforce housing in Pooler / Richmond Hill / Wilmington Island ($400-650K) for top-tier suburbs at coastal lifestyle premium. Hurricane risk meaningful (mandatory evacuations have historical precedent — Hurricane Matthew 2016 + Hurricane Dorian 2019); summer heat + humidity is real.
GA late-career retirement: GA $65K retirement income exclusion at 65+ ($35K at 62-64) makes late-career math meaningfully better than NJ / NY / IL peers. For a senior GA surgeon retiring with $250K-$400K of cash-balance + + pension distribution + Social Security: GA exempts the first $65K (single) or $130K () — net GA tax burden $5K-$15K/year. Combined with paid-off Atlanta exurban housing + Hartsfield-Jackson direct-flight access, GA in-state retirement is genuinely competitive with FL or TN at most income levels. Many late-career GA surgeons stay through retirement; some still relocate to FL (Naples / Sarasota) for partner-tier comp + winter lifestyle.
How GA's flat 4.99% + retirement exclusion + Sun Belt growth reshape surgeon comp
GA flat 4.99% for 2026 on wages + RVU + ASC + distribution — meaningfully cheaper than NJ's 10.75% top or NY+NYC's 14.776% top. For a $700K-TC surgeon, GA state tax = ~$34K/year vs NJ-resident ~$48K or NYC-resident ~$74K (NY state + NYC). No local income tax overlay (cleaner than OH RITA / CCA or PA EIT next door). Combined federal + GA + Medicare marginal at $700K is ~43-45% — 6-10 points lower than CA / NY+NYC equivalent.
GA $65K retirement income exclusion at 65+ ($35K at 62-64) is the late-career structural advantage — exempts pension / / IRA / dividends / interest / rental income. Married couples can each claim ($130K combined ). Social Security is fully GA-exempt. For a senior GA surgeon retiring with $250K of cash-balance + 401(k) + SS: net GA tax burden $5K-$15K/year. Over 25-30 retirement years, GA-vs-NJ saves $200K-$400K cumulative state tax.
eligibility is broad: Emory, Piedmont, Wellstar, CHOA, Grady, Northside, Augusta University Health, Memorial Health Savannah, Atrium Health Navicent all qualify = $0 tax-free $300K-$500K student loan forgiveness. CHOA pediatric subspecialty + Emory cardiothoracic faculty career arcs are the marquee Atlanta surgical paths.
GA conforms to federal Section 1202 — federal $10M exclusion preserved at GA state level (no addback). Surgeon-investors with MedTech / robotics / digital-health founder equity get the full federal exclusion + a 4.99% GA layer. Cash-balance + Solo stack at GA 1099 / surgeon: same federal architecture — $272K-$372K/year pre-tax shelter at age 50+, with GA $65K exclusion at distribution at 65+.
GA $350K cap on non-economic damages (held constitutional 2010, currently in effect at 2026) caps malpractice premium pressure. GA malpractice premium for high-risk surgical specialties (neurosurgery / cardiothoracic / OB-Gyn) runs $40K-$100K/year — mid-low tier US (between TX HB 4 capped $25K-$60K and IL no-cap $80K-$200K). The GA cap is periodically challenged in legislative + judicial cycles but has remained standing through 2026. GA cap workaround via PTET election available — saves $4K-$9K/year for surgeon / partnership at $400-800K net SE income.
- →Cash-balance + Solo stack at 1099 / = $272K-$372K/year pre-tax shelter at age 50+, with GA $65K exclusion at 65+ on distribution
- → at Emory / Piedmont / Wellstar / CHOA / Grady / Northside / Augusta University / Memorial Health = $0 tax-free $300K-$500K student loan forgiveness
- →Emory / Piedmont / Wellstar ASC partnership equity — facility-fee distribution flows non-, may preserve partial Section 199A
- →GA PTET election for / partnership = federal -cap workaround saving $4K-$9K/year on $400-800K net SE income
- →Late-career retirement-income exclusion planning — at 65+ , $130K combined exclusion structures distributions to maximize benefit
- →Section 1202 at MedTech surgeon-investor — GA conforms (preserves state-level $10M exclusion)
- →Backdoor Roth IRA $7.5K/year + at certain Emory / Piedmont plans — $47.5K/year additional Roth shelter (employer-plan-dependent)
Three Georgia surgeon markets — what each one looks like
GA surgeon comp varies by metro + Emory academic vs private practice + ASC partnership + cosmetic cluster concentration. Atlanta dominates; Augusta + Savannah secondary academic + community markets.
Metro Atlanta (Emory / Northside / Piedmont / Wellstar / CHOA / Grady)
Academic faculty $485K-$835K · Northside / Piedmont private $465K-$725K · Buckhead cosmetic owner $650K-$1.5M+Emory Healthcare top-20 US academic + Emory University Hospital + Emory Saint Joseph's + Emory Decatur. Northside Hospital ~27K deliveries/year (among highest US single-system OB). Piedmont Healthcare largest private-practice-friendly system. Wellstar covers western suburbs. CHOA top-10 US peds. Workforce housing Sandy Springs / Roswell / Alpharetta / Johns Creek ($700K-$1.5M) or East Cobb / Decatur / Druid Hills.
Atlanta has emerged as major medical-relocation destination post-2020 — physician flow from NY / NJ / IL / MA specifically for the 4.99% flat + cheaper housing + Hartsfield-Jackson access. Buckhead cosmetic plastic surgery cluster operates the regional Southeast aesthetic market.
Augusta (Augusta University Health + Doctors Hospital + University Hospital)
$465K-$685K + faculty research time + 403(b) + 457(b)Augusta University Health System (academic, Augusta University Medical College of Georgia — one of the oldest US medical schools). Smaller market than Atlanta but complete academic-medicine ecosystem with strong cardiothoracic + surgical oncology + neurosurgery subspecialty depth. Workforce housing Evans / Martinez (top suburbs) at $350-525K — dramatically cheaper than Atlanta equivalents.
Augusta is GA's structural cost-of-living arbitrage academic-medicine market. AU Medical College handles tertiary referrals from south + east Georgia + western South Carolina. Many surgeons combine Augusta academic faculty + the 4.99% flat + cheap housing + GA $65K retirement exclusion for genuinely strong long-term wealth-build.
Savannah / coastal GA (Memorial Health + St. Joseph's/Candler)
$425K-$655K + coastal lifestyle premiumMemorial Health (HCA Healthcare-owned, Trauma I) + St. Joseph's/Candler Health System (~700 beds combined across two hospitals). Smaller market covers coastal GA + northeast FL tertiary referrals. Workforce housing Pooler / Richmond Hill / Wilmington Island ($400-650K) for top-tier suburbs at coastal-lifestyle premium.
Savannah is GA's smallest of three surgeon markets but offers genuine coastal lifestyle + cost-of-living arbitrage. Many surgeons choose Savannah specifically for the lifestyle / climate / Atlantic coast access trade-off vs metro Atlanta intensity. Hurricane risk is real (mandatory evacuations have historical precedent); summer heat + humidity is real.
The Georgia surgeon career arc — residency to retirement
Years 1-9 (med school + residency + fellowship). 4 years med school + 5-9 years residency + 1-3 years fellowship. PGY1 ACGME stipend at GA programs $65K-$85K. Emory University School of Medicine + Augusta University + Morehouse School of Medicine + Mercer University residencies all -qualifying. Most GA surgical residents finish with $300K-$500K federal student loan debt; PSLF at non-profit academic hospital = $0 tax-free forgiveness over 10 years post-PGY1.
Years 1-3 attending ($365K-$465K). Hospital-employed at Emory / Piedmont / Wellstar / CHOA / Grady / Northside / Augusta University / Memorial Health, or $345K-$425K + revenue-sharing at private group. Most GA new attendings rent or buy $500-850K starter home in Atlanta exurbs / Augusta Evans / Savannah Pooler within year 1-2 of attending career — much earlier than CA / NY equivalent.
Years 4-10 attending ($485K-$725K TC). Subspecialty premium: ortho $585K, cardiothoracic $695K, neurosurgery $755K. Emory / Piedmont / Wellstar / private-group partnership buy-in ($200K-$1.5M) typically year 3-5. ASC partnership equity ($150K-$500K) typically year 5-7. Cash-balance + Solo max age 45-55 = $272K-$372K/year shelter. By year 10 mid-career, GA surgeon net worth typically $2.5M-$8M.
Years 10+ (senior partner / department chair / late career). $665K-$1.2M+ TC. Emory / Piedmont Department Chair $750K-$1.2M; Atlanta Buckhead cosmetic plastic owner-operator clears $1M-$1.5M owner draw. PE consolidator exits realize $500K-$3M+ capital gain. GA $65K retirement income exclusion at 65+ ($130K ) is the late-career structural advantage — net GA tax burden $5K-$15K/year on retirement distribution stream. Over 25-30 retirement years, $200K-$400K cumulative GA-vs-NJ savings. Most late-career GA surgeons stay in-state; some relocate to FL for marginal tax + winter-lifestyle play.
Where Georgia surgeons actually live
GA surgeon housing weights schools + commute + practice location. Most under-45 surgeons buy single-family in suburban metro near practice; senior partners + Department Chair tier upgrade to premium primary residence near hospital or top private school. Atlanta intown is real for younger attendings (Inman Park / Virginia-Highland / Buckhead) but family-stage migration to North Atlanta is the dominant pattern.
Sandy Springs / Roswell (North Atlanta)
Emory + Northside + Piedmont access · top schools · $700K-$1.5M · physician dense
Alpharetta / Johns Creek
Top-tier GA schools · 35-45 min Atlanta hospitals · $700K-$1.4M
East Cobb / Vinings (West Atlanta)
Wellstar access · Walton / Pope school districts · $550K-$1.0M
Decatur / Druid Hills (East Atlanta)
Emory walkable · top urban-suburban schools · $600K-$1.1M · short commute
Evans / Martinez (Augusta)
Augusta University Medical 20 min · top Augusta suburbs · $350-525K · structural arbitrage
Pooler / Richmond Hill (Savannah)
Memorial Health + St. Joseph access · coastal lifestyle · $400-650K
GA cost-of-living arbitrage compared to coastal markets is structural — a $1M Sandy Springs home is genuinely lifestyle-equivalent to a $3M+ Bay Area or Westchester equivalent at attending tier. Most senior GA surgeons stay in-state through retirement — GA $65K retirement exclusion + Hartsfield-Jackson access + paid-off housing make in-state retirement competitive with FL / TN. Some still relocate; the marginal savings are smaller than for higher-tax states.
Is this the right move?
Georgia for surgeons — Sun Belt growth + retirement-friendly Atlanta
Working in your favor
- +Emory Healthcare = top-20 US academic medicine + Emory cardiothoracic / transplant / surgical oncology depth
- +Children's Healthcare of Atlanta (CHOA) = top-10 US pediatric hospital
- +Northside Hospital ~27K deliveries/year — among highest US single-system OB programs
- +GA flat 4.99% (2026, HB 463) + no local income tax — meaningfully cleaner than NJ / NY
- +GA $65K retirement income exclusion at 65+ ($130K MFJ) makes late-career math competitive with FL / TN
- +Atlanta = major medical-relocation destination + Hartsfield-Jackson access + Sun Belt cost-of-living
Worth knowing before you sign
- −4.99% flat rate higher than NC (3.99%) or FL (0%) — relevant for late-career relocation modeling
- −Healthcare IS SSTB — Section 199A QBI eliminated above $553K MFJ
- −Atlanta traffic is genuinely bad — 35-45 min commutes are lifestyle baseline
- −Sun Belt summer heat + humidity is real; hurricane risk meaningful in coastal Savannah
- −Augusta + Savannah markets are materially smaller than Atlanta — career mobility limited outside metro Atlanta
- −GA $350K malpractice cap is periodically challenged in legislative + judicial cycles (currently standing 2026)
Sources & Methodology
- →IRS Rev. Proc. 2025-32 — 2026 federal brackets and standard deduction
- →IRS Notice 2025-67 — 2026 retirement-plan contribution limits
- →IRS Rev. Proc. 2025-19 — 2026 HSA contribution limits
- →Social Security Administration — 2026 Social Security wage base
- →Georgia Department of Revenue - standard deduction amounts by filing status
- →BLS Occupational Employment and Wage Statistics — Surgeon wage data for Georgia
Salary figures are market estimates for Surgeons in Georgia and vary by employer, specialty, seniority, and metro. Take-home math assumes a single filer with no dependents, the standard deduction, and Georgia 2026 state rates. Local taxes, insurance premiums, and pre-tax contributions will move your number — run the calculator for your own situation.
Run your own numbers
- Georgia paycheck calculator → · 401(k), HSA, dependents
- Bonus calculator → · year-end, sign-on, retention
- 1099 tax calculator → · self-employment tax 15.3%
- Capital-gains calculator → · long-term rates, NIIT, state tax
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