How much does a Veterinarian make in Tennessee?

BLS puts the average Veterinarian pay in Tennessee at $129,660 a year (BLS, May 2025). On that pay in Tennessee, after federal taxes, FICA, and Tennessee state taxes, your estimated take-home pay is approximately $99,889 annually ($8,324/month).

What is the take-home pay for a Veterinarian in Tennessee?

On a $129,660 salary in Tennessee, your take-home pay is approximately $99,889/year or $8,324/month. Federal tax: $19,852. State tax: $0. FICA: $9,919.

Is $129,660 a good Veterinarian salary?

$129,660 is the BLS average Veterinarian pay in Tennessee, 9% below the US average of $142,680 (BLS, May 2025). The middle 50% in Tennessee earn between $104,890 and $151,770.

How do Tennessee taxes affect Veterinarian salaries?

Tennessee levies state income tax on top of federal taxes. Your estimated state tax on $129,660 is $0. Your total effective tax rate is approximately 23.0%.

What are the career growth prospects for Veterinarians?

In Tennessee, the top 10% earn over $167,900 and the bottom 10% under $98,500 (BLS, May 2025). 19% growth through 2032 (much faster than average). Related roles include: Small Animal Vet, Large Animal Vet, Veterinary Specialist, Emergency Vet.

How can a Veterinarian in Tennessee reduce their tax bill?

Maximize your 401(k) contribution ($24,500 in 2026) to reduce taxable income. An HSA ($4,400 single / $8,750 family) adds further pre-tax savings. These strategies can save thousands annually — use our calculator to see your exact savings.

Healthcare

Veterinarian Salary in Tennessee (2026)

Average Veterinarian pay in Tennessee

$129,660/year

≈ $62/hour before tax

Middle 50% earn $104,890–$151,770

US average: $142,680

Source: BLS, May 2025

After tax (single filer)

$99,889/year

$8,324/month · effective tax rate 22.96%

Federal $19,852
FICA $9,919
Take-home

Pay by role in Tennessee

Specialty Boarded Veterinarian (Surgery / Oncology / IM)$185,000–$345,000
Practice Owner / Multi-Doctor Partner$215,000–$385,000+
Equine Veterinarian (TN Walking Horse / Sport Horse)$135,000–$235,000
UT CVM Faculty / Academic Veterinarian$135,000–$215,000
Mid-Career Associate Veterinarian (Companion)$115,000–$165,000
Senior Associate Veterinarian$135,000–$195,000

See all 10 roles with notes

See the full tax breakdown

Category	Amount
Annual Take-Home Pay	$99,889
Monthly Take-Home Pay	$8,324
Biweekly Take-Home Pay	$3,842
Hourly Take-Home Pay based on 2,080 hrs/year	$48/hr
Federal Tax	$19,852
State Tax	$0
FICA Taxes	$9,919
Effective Tax Rate total taxes ÷ gross salary	22.96%

Estimates only — not tax advice. · Full disclaimer →

Tennessee's veterinary market sits between Mars Veterinary Health corporate consolidation, the UT College of Veterinary Medicine academic anchor, the TN Walking Horse industry, plus a deep beef-cattle ag-vet bench. UT CVM Knoxville is a top-30 US vet school graduating ~85 DVMs/year. Mars Veterinary Health (Banfield + VCA + BluePearl + AniCura) operates ~70+ TN locations. Shelbyville TN Walking Horse industry (annual Celebration ~250K attendees + ~50,000 registered horses) drives unique equine specialty depth. TN beef cattle industry (~1.7M head, 7th largest US producer) drives sustained large-animal practice. TN charges 0% state income tax per Article II §28 + Hall Tax fully repealed 2021 — practice-owner exit math and senior comp tax-efficient at state level.

Not all Veterinarians earn the same — not even close

TN veterinary practice splits across four coherent tracks. Companion animal (Banfield + VCA + BluePearl + independent practices) carries practitioner volume. Specialty + emergency (BluePearl Nashville + Nashville Veterinary Specialists + VCA Specialty Memphis + UT Veterinary Medical Center Knoxville) is the boarded-specialist comp premium track. Equine specialty (TN Walking Horse industry centered in Shelbyville + Murfreesboro + Middle TN sport horses) is the TN-distinctive specialty. Beef cattle + ag-vet (East TN + Middle TN + West TN) plus academic (UT CVM Knoxville) round out the senior career tier.

Specialty Boarded Veterinarian (Surgery / Oncology / IM)

$185,000–$345,000

BluePearl Nashville · Nashville Veterinary Specialists · VCA Specialty Memphis · UT VMC · 3-yr residency + ABVP / ACVS / ACVIM

Practice Owner / Multi-Doctor Partner

$215,000–$385,000+

Independent ownership · DVM + 8+ yrs · S-corp distribution + practice valuation at 7-9x EBITDA exit

Equine Veterinarian (TN Walking Horse / Sport Horse)

$135,000–$235,000

Shelbyville TN Walking Horse · Murfreesboro sport horse · race horse · TN distinctive specialty

UT CVM Faculty / Academic Veterinarian

$135,000–$215,000

UT Veterinary Medical Center Knoxville · clinical professor / specialist · DRS pension + 403(b)

Mid-Career Associate Veterinarian (Companion)

$115,000–$165,000

5-10 yrs · Banfield / VCA / independent · production bonus + signing bonus typical

Senior Associate Veterinarian

$135,000–$195,000

10+ yrs · partner-track candidate · production-bonus + ownership stake conversations underway

New-Grad Associate Veterinarian (Corporate)

$95,000–$125,000 + signing

Banfield + VCA new-grad · signing $25-60K · loan-repayment incentive · UT CVM placement-heavy

Large-Animal / Production Veterinarian

$105,000–$175,000

TN beef cattle (~1.7M head) · East TN dairy · Middle TN equine + cattle · USDA APHIS Memphis regional

Industry Veterinarian (Mars / Pharma)

$165,000–$325,000

Mars Petcare R&D · Embrex / Zoetis (Nashville offices) · Bayer Animal Health · industry-vet career path

Veterinary Public Health / TN Department of Ag

$95,000–$155,000

TN Dept of Ag Animal Services · USDA APHIS · zoonotic surveillance · DRS pension + federal locality

Worth knowing: The TN Walking Horse industry + sport-horse equine specialty is the TN-distinctive niche no other Southeast state matches. Shelbyville TN hosts the Tennessee Walking Horse National Celebration each August (~250K attendees) plus year-round breeding + training infrastructure. ~50,000 registered TN Walking Horses with the breeding registry HQ in Lewisburg. Murfreesboro + Middle TN add sport horse (hunter / jumper / dressage) plus TN Thoroughbred race horse (Lebanon + Wilson County) specialty depth. Equine ambulatory practices serve 300-500 horse owners across multi-county territories. Senior equine specialists clear $185-235K cash. The parallel beef cattle industry (TN is the 7th-largest US beef producer with ~1.7M head, ~38,000 farms) drives sustained large-animal practice across East + West TN. USDA APHIS Memphis regional office adds federal veterinary public health depth.

The TN veterinary market — UT CVM Knoxville, Mars Veterinary Health corporate, TN Walking Horse + sport horse specialty, beef cattle ag-vet

TN state income tax — production bonuses + practice-owner distributions tax-free at state

~70+

Mars Veterinary Health TN locations — substantial corporate vet network footprint

7-9x

Practice-sale exit valuations 2024-25 (down from 9-12x peak 2020-22)

~85/yr

UT CVM Knoxville DVM graduates — top-30 US vet school, ~75% remain in Southeast

Licensed veterinarians are exempt under the Learned Professional exemption. TN license requires DVM from AVMA-accredited school plus passing the North American Veterinary Licensing Examination (NAVLE) plus TN state jurisprudence exam. Once licensed, exempt classification applies by definition. Salaried with production-bonus components — production bonuses (typically 20-25% of doctor-generated gross revenue above a threshold) are the dominant comp lever at corporate Banfield + VCA + BluePearl.

UT College of Veterinary Medicine in Knoxville is one of the top-30 US vet schools. ~85 DVMs graduate per year. UT CVM tuition runs ~$30K/yr in-state and $60K/yr out-of-state. Most UT CVM graduates remain in the Southeast, with TN + KY + GA + AL employers competing for ~75% of each graduating class. UT Veterinary Medical Center Knoxville handles ~30K patient visits/year across all species plus residency training in specialty boards.

Mars Veterinary Health TN footprint runs ~70+ locations. Banfield (Mars 2007) operates ~30+ TN locations in Nashville + Memphis MSAs. VCA (Mars 2017) adds ~25 TN locations. BluePearl (Mars 2015) operates BluePearl Nashville (24/7 ER + surgery + oncology + IM) + BluePearl Memphis. New-grad signing bonuses at Mars ($25-60K) plus loan-repayment incentives drive ~35% of UT CVM graduates into Mars-network roles in year 1.

Specialty + emergency veterinary medicine in TN centers on BluePearl Nashville (24/7 ER + surgery + oncology + internal medicine), Nashville Veterinary Specialists, BluePearl Memphis, VCA Specialty Memphis, UT Veterinary Medical Center Knoxville. ACVS-boarded surgeons, ACVIM internal medicine + cardiology, ACVO ophthalmology, plus oncology + neurology + dermatology specialists run dedicated TN practices. UT CVM specialty residency programs feed the specialist pipeline.

Equine + large-animal veterinary medicine is the TN-distinctive specialty. TN Walking Horse industry (Shelbyville + Lewisburg + Murfreesboro) drives sustained equine demand. Sport horse specialty (Middle + East TN hunter/jumper/dressage circuits). TN Thoroughbred industry (Lebanon + Wilson County). Beef cattle practice across the state — TN is the 7th-largest US beef producer (~1.7M head). USDA APHIS Memphis regional office + TN Department of Agriculture round out federal + state veterinary public health.

Tennessee as a veterinarian — Nashville / Memphis companion + specialty, UT CVM Knoxville, TN Walking Horse Shelbyville, beef cattle East TN

Nashville / Memphis companion-animal market is the TN volume core. ~220+ small-animal practices across the Nashville MSA (Davidson + Williamson + Sumner + Rutherford) plus ~120+ across Memphis MSA (Shelby + Tipton + DeSoto). Banfield (PetSmart-co-located), VCA multi-doctor practices, plus independent multi-doctor practices fill out the corridor. New-grad placement runs heavy at Banfield's PetSmart-co-located format. Specialty referral flows to BluePearl Nashville + BluePearl Memphis + Nashville Veterinary Specialists + VCA Specialty Memphis.

UT College of Veterinary Medicine in Knoxville is the academic anchor. Clinical faculty positions ($135-215K + DRS pension + ) plus residency training plus research grants plus the UT Veterinary Medical Center make Knoxville a genuine academic-vet career path. UT CVM specialty residencies (surgery, oncology, internal medicine, ophthalmology, equine, food animal) feed the TN-area specialty bench. East TN + KY + Western NC referral cases route through Knoxville.

TN Walking Horse industry centered in Shelbyville + Lewisburg + Murfreesboro is the TN-distinctive equine specialty. Shelbyville's TN Walking Horse National Celebration each August (~250K attendees) plus year-round breeding + training infrastructure across Bedford + Maury + Marshall counties drives sustained equine demand. Sport horse circuits in Middle TN (hunter / jumper / dressage at the Tennessee Miller Coliseum + Tennessee State University Equine Center) plus race horse practice in Lebanon + Wilson County add parallel specialty bench.

Beef cattle ag-vet practice is the TN large-animal corridor no inland-only state matches at this scale. TN ranks 7th in US beef cattle production (~1.7M head, ~38,000 farms primarily cow-calf + stocker / feeder operations) across the Cumberland Plateau + Highland Rim + Central Basin + Western Highland Rim. East TN dairy practice (smaller scale ~30,000 head, declining post-2018 dairy industry consolidation). USDA APHIS Memphis regional office + TN Department of Agriculture Animal Services round out the ag-vet infrastructure.

How TN taxes work for veterinarians — 0% income tax, practice-sale exit math, federal student loan strategy

TN charges 0% state income tax — substantial advantage at every vet comp tier. At new-grad associate $110K, TN saves ~$8,000 versus CA's 8.0% blended and $8,250 versus OR's 9.9% top bracket. At specialty boarded $245K, TN saves $19,000+ versus CA. At practice owner $325K, TN saves $25,500+ versus CA. Over a 25-30 year vet career, the TN-vs-CA-or-OR delta compounds to $400K-$700K+.

Practice-sale exit math is the structural senior-veterinarian tax variable. TN has no state CGT (unlike WA's 7% above $270K ). A senior practice owner selling at 7-9x EBITDA on $300K-$600K practice EBITDA realizes $2.1M-$5.4M in proceeds — federal LTCG (15-20%) plus (3.8%) applies, with zero state-level tax pickup. Multi-year installment-sale structures (often 3-7 years) plus federal LTCG planning are the levers, not state tax planning.

Federal student loan strategy is critical given UT CVM debt loads ~$80-150K out-of-state. via UT CVM academic positions, TN Department of Agriculture Animal Services, USDA APHIS Memphis, or community veterinary nonprofit programs plus IDR makes 10-year forgiveness pathway viable for ~15-20% of UT CVM graduates. Mars Veterinary Health's loan-repayment incentives ($25K-$60K signing-period repayment) plus VCA's parallel program help corporate-track vets.

TN combined sales tax averages 9.55% (highest alongside LA) — regressive offset at new-grad + mid-career tiers ($95-165K). At specialty boarded + practice-owner senior levels small relative to comp. TN doesn't exempt groceries from sales tax (one of 13 states fully taxing food).

→Capture employer match before anything else. Banfield + VCA + BluePearl (Mars Veterinary Health unified retirement: 50% match on first 5%), independent practices vary (3-6% match typical). UT CVM faculty (DRS pension + double-coverage) plus TN Dept of Ag / USDA APHIS (FERS pension + match up to 5%) follow government structures.
→Max your ($24,500 in 2026). At TN 0% state plus federal 22-32% brackets, every $1,000 deferred saves $220-$320. At specialty boarded $245K+ in the 32-35% bracket, $320-$350. Practice-owner solo 401(k) plans add flexibility — + Solo 401(k) combinations can defer up to $72,000/yr for owner-only practices.
→ at Mars Veterinary Health plans. §415(c) cap $72,000 (2026). Mars network offers after-tax 401(k) with in-plan Roth conversion. After $24,500 employee + match, $30-40K of room remains. At TN 0% plus federal 32-35%, MBR converts $35K of after-tax space into perpetual Roth tax-free growth.
→Practice ownership transition planning. The 7-9x EBITDA exit multiple settled in 2024-25 (down from 9-12x in 2020-22) means current senior owners face a different liquidity calculus than 2020-22 retirees. Multi-year installment-sale structures (3-7 yr earn-out) plus federal planning are the levers — TN has no state CGT so the tax planning is federal-only.
→Section 199A applies to veterinary practice income as a Specified Service Trade or Business () — phases out at federal $201,750 single / $403,500 . Most senior vets exceed thresholds and lose QBI entirely. Below the threshold (mid-career associates + smaller-practice owners), QBI deduction is genuinely material (~20% of qualified business income).
→Equine + beef cattle ag-vet career path. TN Walking Horse + sport horse + beef cattle ag-vet specialty commands 15-25% premium over generalist companion-animal. Mobile-equipped truck plus 300-500 horse / cattle owner client base across 4-6 county territory routinely supports $185-265K cash + practice equity. Beef cattle ag-vet is sustained demand across TN's 38,000 farms.

Three TN metros for veterinarians — Nashville companion + specialty, Knoxville UT CVM + ag-vet, Memphis BluePearl + Mid-South

TN vet careers split by region + specialty. Nashville is companion-animal volume + BluePearl + Nashville Veterinary Specialists + Music Row entertainment-industry pet practice. Knoxville is UT CVM academic + East TN ag-vet. Memphis is BluePearl + VCA Specialty + Mid-South USDA APHIS regional.

Nashville (Companion + BluePearl + Sport Horse + Walking Horse)

New-grad $95-125K + signing · Mid-career $115-165K · Specialty $185-345K · Practice owner $215-385K+

TN's companion-animal volume core. ~220+ small-animal practices across Nashville MSA. Banfield (PetSmart-co-located), VCA multi-doctor practices, BluePearl Nashville 24/7 specialty + emergency, Nashville Veterinary Specialists. Shelbyville TN Walking Horse (~50K registered horses + Celebration ~250K attendees) drives equine specialty depth. Murfreesboro sport horse + Lebanon Thoroughbred race horse practice. Mars Veterinary Health Nashville cluster.

Belle Meade / Forest Hills ($1.4-3.5M+ SF senior + practice owner), Green Hills / Oak Hill ($875K-$2.4M mid-career), Brentwood / Franklin ($750K-$2.5M family-stage), Shelbyville / Murfreesboro ($475-825K equine specialty residential).

Knoxville / Oak Ridge (UT CVM + East TN Ag-Vet + Beef Cattle)

New-grad $85-115K · Mid-career $105-155K · UT faculty $135-215K · Beef cattle large-animal $115-175K

East TN's academic + ag-vet corridor. UT College of Veterinary Medicine Knoxville (~85 DVMs/year) plus UT Veterinary Medical Center (~30K patient visits/year + specialty residency programs). East TN beef cattle practice (Greater Knoxville + Smoky Mountains foothills + Cumberland Plateau). Dairy practice declining post-2018 consolidation. USDA APHIS regional office plus TN Dept of Ag presence.

Sequoyah Hills / Westmoreland ($550-950K SF mid-career), West Knoxville ($385-725K family), Bearden ($325-625K established), Maryville / Knox County rural ($425-725K SF + acreage for large-animal). Knox County 0.85% property tax effective.

Memphis (BluePearl + VCA Specialty + Mid-South USDA APHIS)

New-grad $85-115K · Mid-career $105-155K · Specialty $165-285K · Practice owner $185-345K

West TN's vet corridor. BluePearl Memphis (24/7 ER + surgery + oncology) plus VCA Specialty Memphis. Banfield + VCA companion-animal cluster across the Memphis MSA. USDA APHIS Memphis regional office (federal veterinary public health, zoonotic surveillance, food safety). Mid-South Methodist Le Bonheur + Regional One Med District adjacency. West TN large-animal practice (cotton + soybean + cattle).

East Memphis ($425-825K SF mid-career), Germantown / Collierville ($550-1,150K family senior), Midtown ($325-625K historic urban), Bartlett ($350-650K family). Shelby County 1.31% property tax effective — higher than Davidson.

The TN veterinarian career arc — new-grad through practice owner or specialty boarded

TN vet careers typically start at UT College of Veterinary Medicine Knoxville (~85 DVM/year) or out-of-state programs (Auburn, UGA, NC State, Mississippi State, plus Cornell / UC Davis / Penn). New-grad placement runs ~35% Mars Veterinary Health (Banfield + VCA + BluePearl) plus ~30% independent multi-doctor practice plus ~15% specialty internship plus ~10% academic / industry / public-health plus ~10% equine specialty. Signing bonuses $25-60K at corporate networks; loan-repayment incentives stack on top. NAVLE pass rate ~90% first-time.

Associate veterinarian (years 1-7): comp climbs $95-195K cash + production bonus. Year 3-4 decision between specialty residency track (3-yr program + boards), partner / ownership track at independent practice, or corporate ladder (Banfield → VCA → BluePearl specialty pathway within Mars network). Equine specialty fork at this stage opens TN Walking Horse + sport horse + Thoroughbred career path.

Senior associate / specialty-boarded / partner-track (years 7-15): comp $135-285K cash + production. ACVS / ACVIM / ABVP / ACVO / ACVECC board certification adds 25-40% premium. Practice ownership buy-in $250-550K financed via SBA-eligible practice acquisition loans. Mid-career vets with strong production track records pivot to partner / equity holder in independent multi-doctor practices. Equine specialty senior vets clear $185-235K cash.

Senior practice owner / specialty boarded senior / industry / academic (years 15+): senior practice owner $245-385K cash + practice equity. Specialty boarded senior at BluePearl / VCA Specialty $245-385K. Industry-vet senior at Mars / Zoetis / Bayer Animal Health $185-325K. UT CVM clinical faculty / department head $165-285K + DRS pension. TN's 0% income tax + no state CGT + 0.71% property tax produce favorable career-end liquidity — practice-sale at 7-9x EBITDA produces $2.1M-$5.4M federal-only-taxed events.

Where TN veterinarians live — Belle Meade, Green Hills, Brentwood, Sequoyah Hills, Shelbyville + Murfreesboro

TN vets cluster by practice type + region. Nashville companion-animal to Brentwood / Franklin (family senior), Green Hills (mid-career), Hillsboro Village (new-grad). Equine specialty to Shelbyville / Murfreesboro (TN Walking Horse industry residential). UT CVM faculty to Sequoyah Hills + West Knoxville. Memphis senior to East Memphis / Germantown. Ag-vets routinely live near rural practice territories.

Belle Meade / Forest Hills (Nashville senior + practice owner)

5-15 min downtown · top-tier residential · $1.4-3.5M+ SF · specialty boarded + senior practice owner

Brentwood / Franklin (Williamson Co family senior)

20-30 min downtown · $750K-$2.5M family · top schools · in-house corporate vet + Mars Nashville HQ

Green Hills / Sylvan Park (Nashville mid-career)

10-20 min downtown · $550K-$1.2M SF · solid mid-career Sr Associate residential

Shelbyville / Murfreesboro (TN Walking Horse equine)

$475-825K SF + acreage · equine specialty + Walking Horse industry residential · short commute to barns

Sequoyah Hills / West Knoxville (UT CVM faculty)

5-15 min UT CVM · $385-950K SF · academic + East TN ag-vet residential

Maryville / Knox County rural (East TN beef cattle)

$425-725K SF + acreage · large-animal ag-vet residential · solid family residential

East Memphis (Memphis mid-career)

$425-825K SF · 10-15 min downtown · solid mid-career + Senior Associate residential

Germantown / Collierville (Memphis family senior)

$550-1,150K SF · top schools · 20-30 min downtown · BluePearl + Specialty practice senior residential

TN veterinary geography is distributed unlike most professions — Nashville + Memphis concentration for companion + specialty plus material outposts in Knoxville (UT CVM), Shelbyville / Murfreesboro (equine), East TN (beef cattle), West TN (cotton + soybean + cattle). Ag-vets commute via mobile-equipped trucks to ranch + farm calls. Equine ambulatory practice covers 50-150 miles per typical day across Middle TN.

Is this the right move?

TN for veterinarians — who it actually works for

Working in your favor

+TN 0% state income tax saves $8,000-$25,500/yr depending on tier — substantial advantage over CA, OR (9.9% top), and NC at every comp level
+TN has no state Capital Gains Tax (unlike WA 7% above $270K) — practice-sale exit at 7-9x EBITDA produces federal-LTCG-only events at retirement
+UT College of Veterinary Medicine Knoxville (top-30 US vet school, ~85 DVMs/year, lower in-state tuition than peers) plus ~75% Southeast placement retention
+TN Walking Horse industry (Shelbyville + Lewisburg + Murfreesboro) plus sport horse + Thoroughbred specialty is TN-distinctive equine career track no other Southeast state matches
+TN beef cattle industry (~1.7M head, 7th-largest US producer) drives sustained large-animal practice across East + Middle + West TN — ag-vet specialty depth

Worth knowing before you sign

−TN combined sales tax averages 9.55% (highest alongside LA) — regressive offset at new-grad + mid-career tiers
−UT CVM debt loads $80-150K out-of-state pressure new-grad cash flow — PSLF / IDR / corporate loan-repayment incentives are essential planning
−Mars Veterinary Health consolidation reshaped independent practice ownership economics — new-vet ownership-track timing is harder than pre-2017
−Section 199A QBI does not apply to senior practice income (SSTB plus threshold) — most senior vets lose this federal deduction entirely at $200K+ comp
−Memphis veterinary market trails Nashville + Knoxville in specialty depth — career-trajectory ceiling lower than Nashville HQ peers

Sources & Methodology

Salary figures are market estimates for Veterinarians in Tennessee and vary by employer, specialty, seniority, and metro. Take-home math assumes a single filer with no dependents, the standard deduction, and no state income tax (Tennessee levies none). Local taxes, insurance premiums, and pre-tax contributions will move your number — run the calculator for your own situation.

Run your own numbers