Can a Surgeon afford to live in Memphis?

Excellent88% of take-home left to save — you can save aggressively here.
Median salary (gross)
Surgeon · Memphis
$358,350
Income tax (~35% effective)
United States
– $124,468
Take-home pay
$19,490/mo
$233,882
Living costs (1 person)
$2,380/mo · derived
– $28,560
Savings potential
$17,110/mo · 88% of take-home
$205,322

Single professional, after-tax. Salary − tax − living costs = what you could save each year.

Full salary breakdown →Is this a good salary in Memphis? →Compare Memphis with another city →

How we calculated this

• Salary: BLS OES median for Surgeon, adjusted for Memphis.

• Tax: United States single-filer effective rate (~35%). Official calculator.

• Living costs: derived from cost-of-living index for a single professional.

Planning estimates, not financial or tax advice. Updated 2026. Your situation will differ.