What Income is Considered Middle Class in Tennessee?

New study reveals the income needed to be middle class in the Volunteer State.

Mar. 31, 2026 at 11:18am

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A geometric abstract illustration using bold shapes and primary colors to conceptually depict the nuanced middle-class income thresholds across different regions of Tennessee.A visual representation of the varying middle-class income ranges across Tennessee, highlighting the regional disparities that impact household financial stability.Today in Nashville

As affordability concerns grow nationwide, a new study from SmartAsset examines the income required to be considered middle class in Tennessee. The analysis found that the middle-class income range varies significantly by location, with the threshold being higher in cities like Nashville compared to more rural areas of the state.

Why it matters

Understanding the middle-class income thresholds is crucial for Tennesseans to gauge their own financial standing and identify potential gaps or disparities across different regions of the state. This data can inform policy decisions and help individuals make informed choices about cost of living, career opportunities, and household budgeting.

The details

The SmartAsset study defined the middle-class income range as between 67% and 200% of the state's median household income. In Tennessee, that translates to an annual income between $43,000 and $129,000. However, the middle-class income threshold was significantly higher in Nashville, where it ranged from $53,000 to $160,000 per year. The analysis took into account factors like housing costs, taxes, and the overall cost of living in each area.

  • The SmartAsset study was published on March 31, 2026.

The players

SmartAsset

A financial technology company that provides personal finance advice and tools.

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The takeaway

This data highlights the regional disparities in the cost of living and income thresholds for middle-class status across Tennessee. As policymakers and residents grapple with affordability challenges, understanding these nuanced geographic differences will be crucial for developing targeted solutions to support the state's middle class.