How much does a Occupational Therapists actually take home in Tennessee?
No state income tax — 21.0% effective total tax rateData: BLS OEWS 2024 + IRS/State Tax Brackets 2024 • Updated 2026-04-02
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Detailed line-by-line tax calculation for a Occupational Therapists earning $94,750 in Tennessee (single filer, standard deduction).
| Tax Component | Annual Amount | Effective Rate |
|---|---|---|
| Gross Salary (Median) | $94,750 | — |
| Federal Income Tax | -$12,686 | 13.4% |
| Tennessee State Income Tax | -$0 | 0.0% |
| Social Security (OASDI) | -$5,874 | 6.2% |
| Medicare | -$1,373 | 1.5% |
| Total Taxes | -$19,934 | 21.0% |
| Take-Home Pay | $74,815 | 79.0% |
Take-home pay varies significantly across experience levels. Here is the after-tax breakdown for each salary percentile of Occupational Therapists in Tennessee.
| Percentile | Gross Salary | Total Taxes | Take-Home Pay | Tax Rate |
|---|---|---|---|---|
| 10th Percentile (P10) | $70,810 | -$12,836 | $57,973 | 18.1% |
| 25th Percentile (P25) | $77,700 | -$14,879 | $62,820 | 19.1% |
| Median (P50) | $94,750 | -$19,934 | $74,815 | 21.0% |
| 75th Percentile (P75) | $104,760 | -$22,902 | $81,857 | 21.9% |
| 90th Percentile (P90) | $115,080 | -$25,962 | $89,117 | 22.6% |
Tennessee has no state income tax, which means a Occupational Therapists keeps $74,815 of their $94,750 salary — 79.0% of gross pay. Only federal income tax and FICA reduce the paycheck, making Tennessee one of the most tax-friendly states for this occupation.
Where does a Occupational Therapists keep the most of their paycheck? Top 10 states ranked by after-tax take-home pay.
Tennessee ranks #9 out of 51 states for Occupational Therapists after-tax take-home pay.
A Occupational Therapists in Tennessee earning a median salary of $94,750 will take home approximately $74,815 per year after federal income tax ($12,686), state income tax ($0), and FICA ($7,248). That is $6,234 per month or $2,877 per bi-weekly paycheck.
The effective total tax rate for a Occupational Therapists in Tennessee is 21.0%, broken down as: federal income tax 13.4%, Tennessee state tax 0.0%, and FICA (Social Security + Medicare) 7.7%. This assumes a single filer with the standard deduction for 2024.
No, Tennessee does not levy a state income tax on wages. This means a Occupational Therapists in Tennessee only pays federal income tax and FICA taxes, resulting in a lower overall tax burden compared to most other states. The total effective rate is 21.0%.
After all taxes, a Occupational Therapists in Tennessee takes home approximately $6,234 per month, or about $35.97 per hour (based on a standard 2,080-hour work year). These figures assume a single filer, standard deduction, and no additional pre-tax deductions.
We start with the 2024 BLS median salary of $94,750 for Occupational Therapists in Tennessee, then subtract: federal income tax using 2024 IRS brackets ($14,600 standard deduction), Tennessee state income tax (no state income tax), Social Security (6.2% up to $168,600), and Medicare (1.45%). The result — $74,815/yr — does not include local taxes, pre-tax deductions (401k, HSA), or tax credits.
This estimate assumes a single filer using the 2024 standard deduction ($14,600), with W-2 employment income only. It does not account for: itemized deductions, tax credits (e.g. earned income credit, child tax credit), local/city taxes, pre-tax contributions (401k, HSA, FSA), self-employment tax, or additional income sources. Actual take-home pay may differ. Consult a tax professional for personalized advice.
Our Methodology · Data Sources · Salary: BLS OEWS · Tax: IRS + State DOR