Salary & Cost of Living in Cleveland, TN
Cleveland, TN: $46,487 median salary, cost of living index 88.2, $7.25/hr minimum wage. Calculate your take-home pay with our free paycheck calculator.
Median Salary
$46,487
$22/hr
Cost of Living
88.2
US avg = 100
Minimum Wage
$7.25
per hour
Unemployment
3.1%
rate
Cleveland, TN Overview
Population
47,014
Median Salary
$46,487
Average Salary
$52,065
Avg Commute
18 min
Median Home Price
$291,000
Median Rent
$1,188/mo
Job Growth
+0.6%
Sales Tax
7%
Cleveland is located in Tennessee with a population of 47,014. The median household salary is $46,487 per year ($22/hour), which is $12,897 below the national median of $59,384. The average commute time is 18 minutes, and the city has a job growth rate of +0.6%.
Cleveland Salary by Experience Level (2026)
Wage distribution in Cleveland, TN based on BLS percentile breakdown of the $46,487 median salary. Entry-level represents 10th–25th percentile; mid-level is the median; senior-level represents 75th–90th percentile.
| Experience Level | Annual Salary | Hourly Wage | Years Exp |
|---|---|---|---|
| Entry-Level | $28,822 | $13.86/hr | 0–2 years |
| Mid-Level (Median) | $46,487 | $22.35/hr | 3–7 years |
| Senior-Level | $66,012 | $31.74/hr | 8–15 years |
| Top 10% (90th Percentile) | $82,747 | $39.78/hr | 15+ years / leadership |
Percentile multipliers (62%, 100%, 142%, 178%) derived from 2024 BLS Occupational Employment and Wage Statistics distribution across all occupations in metro areas. Specific roles vary; see jobs by city for role-specific data.
Cleveland Paycheck Calculator
Enter your annual salary to see your estimated take-home pay in Cleveland, TN, after federal, state, and local taxes.
Estimated Annual Take-Home Pay
$39,391
$3,282.57/month · $1,515.03/biweekly · Effective Rate: 15.3%
Gross Pay
$46,487
Federal Tax
-$3,540
State Tax
$0
Local Tax
$0
FICA
-$3,556
Net Pay
$39,391
Pay Breakdown
| Item | Monthly | Annual |
|---|---|---|
| Gross Salary | $3,873.92 | $46,487.00 |
| Federal Income Tax | -$295.00 | -$3,539.94 |
| Tennessee State Tax (0%) | $0.00 | $0.00 |
| Social Security (6.2%) | -$240.18 | -$2,882.19 |
| Medicare (1.45%) | -$56.17 | -$674.06 |
| Net Take-Home Pay | $3,282.57 | $39,390.80 |
Salary Comparison: Cleveland vs Other Cities
See how Cleveland's median salary and cost of living compare to the national average and similar cities.
| City | Median Salary | COL Index | Adj. Salary |
|---|---|---|---|
| Cleveland, TN | $46,487 | 88.2 | $52,706 |
| National Average | $59,384 | 100 | $59,384 |
| Owasso, OK | $46,474 | 88.7 | $52,395 |
| Goshen, IN | $46,467 | 83.4 | $55,716 |
| West Bend, WI | $46,461 | 85.9 | $54,087 |
| Deerfield Beach, FL | $46,543 | 101.1 | $46,037 |
Adjusted salary reflects purchasing power when cost of living is factored in. A higher adjusted salary means your money goes further.
Cost of Living in Cleveland
Cleveland's cost of living index is 88.2 (national average = 100). Living in Cleveland is 11.799999999999997% less expensive than the national average.
Median Home Price
$291,000
Median Monthly Rent
$1,188
Annual Rent Cost
$14,256
Your Salary's Purchasing Power
Your $39,391 annual take-home pay in Cleveland has the purchasing power of approximately $44,661 in an average-cost US area. Your $46,487 salary stretches further here than in most US cities.
Top Industries in Cleveland
Cleveland's economy is driven by these key industries. Workers in top industries often earn significantly above the median salary of $46,487.
Salary Tips for Cleveland Workers
- Your salary goes further here. Cleveland has a cost of living 11.799999999999997% below the national average. A salary of $46,487 here has the purchasing power of about $52,706 in an average-cost area.
- No state income tax advantage. Tennessee has no state income tax, which means more of your paycheck stays in your pocket. Invest the savings in a Roth IRA or 401(k) for long-term growth.
- Research top industries. Cleveland's top industries include Healthcare, Music Industry, Automotive. Targeting roles in these sectors can help you earn above the $46,487 median salary.
- Review your W-4 withholding. If you regularly receive large tax refunds, adjust your W-4 to increase your per-paycheck take-home pay instead of giving the government an interest-free loan.
Methodology & Local Economy Data Sources
How we calculate Cleveland salary data: Our citywide compensation figures aggregate occupation-specific salary data from BLS Occupational Employment and Wage Statistics for the Cleveland-TN metropolitan statistical area (MSA), weighted by local employment counts. Cost-of-living adjustments use the C2ER Cost of Living Index baseline of 100 (national average), with Cleveland indexed at 88.2.
- Median salary calculation: weighted average of Cleveland's occupation-specific medians from BLS OEWS, adjusted for local cost of living. Net result: $46,487 annual median.
- Tax burden reflects Tennessee state income tax (0%) (no local income tax), sales tax (7%), and federal taxes per IRS 2026 brackets.
- Unemployment rate for Cleveland: 3.1%, sourced from BLS Local Area Unemployment Statistics (LAUS).
- Top industries: Healthcare, Music Industry, Automotive — based on QCEW employment concentration data.
- Job growth: 0.6% projected through 2034, derived from BLS Employment Projections program for Tennessee.
- Housing context: median home price $291,000, median rent $1,188/mo, sourced from Census American Community Survey 5-year estimates.
Authoritative US data sources for Cleveland, TN:
- BLS Occupational Employment and Wage Statistics (OEWS) — metropolitan area salary data
- BLS Local Area Unemployment Statistics — Cleveland unemployment rate
- U.S. Census Bureau — Cleveland QuickFacts — population, housing, demographics
- BLS Quarterly Census of Employment and Wages (QCEW) — county-level industry employment
- BLS Economy at a Glance — Tennessee — state economic indicators
- U.S. Bureau of Economic Analysis (BEA) — local GDP and personal income data
- BLS Consumer Price Index (CPI-U) — regional inflation tracking
Disclaimer: Salary and cost data are estimates for general guidance. Individual compensation varies by employer, experience, education, negotiation, and skills. Cleveland's rapidly changing economy can shift these baselines — always verify with current job listings, employer offers, and recent Tennessee labor market reports for the most current figures.
Reviewed by Brazora Monk· Last updated 2026 · BLS & Census data current as of latest releases
Explore Salaries Across the US
Compare salary data and cost of living for hundreds of US cities. Find out where your paycheck goes the furthest.
Related Salary Tools
Frequently Asked Questions
What is the median salary in Cleveland, TN?
The median salary in Cleveland, TN is $46,487 per year, or $22 per hour. The average salary is $52,065. This is $12,897 below the national median of $59,384.
What is the cost of living in Cleveland, TN?
Cleveland's cost of living index is 88.2 (national average = 100), meaning it is 11.799999999999997% less expensive compared to the national average. The median home price is $291,000 and the median monthly rent is $1,188.
What are the best industries in Cleveland?
The top industries in Cleveland, TN include Healthcare, Music Industry, Automotive. The city has a job growth rate of 0.6% and an unemployment rate of 3.1%. Workers in these industries often earn above the city's median salary of $46,487.
How does Cleveland's salary compare to other cities?
Cleveland's median salary of $46,487 is 21.7% below the national median of $59,384. However, when adjusted for cost of living (index: 88.2), the real purchasing power is approximately $52,706.
What is the minimum wage in Cleveland, TN?
The minimum wage in Cleveland, TN is $7.25 per hour. This equals approximately $15,080 per year for a full-time worker (40 hours/week). This matches the federal minimum wage of $7.25/hour.