Customer Service Representative Salary in Chattanooga, TN
Customer Service Representatives in the Chattanooga, TN-GA metro area earn a median $45,030 a year — 1% more than the national median. After 2026 taxes, that is $38,362 take-home, or $3,197 a month.
Take-home pay calculator
Pre-filled with the median customer service representative salary in Chattanooga, TN. Enter your own offer to see your paycheck.
- Federal income tax$3,224
- Social Security (6.2%)$2,792
- Medicare (1.45%)$653
- Tennessee income tax$0
- Take-home pay$38,362
Marginal rate: 12% federal + 0.00% state
The Chattanooga, TN-GA metro spans Tennessee, Georgia. Pick the state you live in — state income tax follows your residence.
Got an offer somewhere else? Compare it with this one after taxes and rent →
Customer Service Representative pay by experience in Chattanooga, TN
| Percentile | Salary | Hourly | Take-home / yr | Per month |
|---|---|---|---|---|
| 10th percentile (entry level) | $31,180 | $14.99 | $27,233 | $2,269 |
| 25th percentile | $37,450 | $18.00 | $32,271 | $2,689 |
| Median (50th) | $45,030 | $21.65 | $38,362 | $3,197 |
| 75th percentile | $47,630 | $22.90 | $40,451 | $3,371 |
| 90th percentile (top earners) | $59,060 | $28.39 | $49,635 | $4,136 |
Wages: BLS Occupational Employment and Wage Statistics, May 2025. Take-home: single filer, Tennessee resident, 2026 tax rules.
What $45,030 buys in Chattanooga, TN
Prices in Chattanooga, TN are 8.5% lower than the U.S. average (housing costs are 23% below the national average). Adjusted for local prices, a median customer service representative's $38,362 take-home pay has the buying power of $41,942 in a typical American city.
Rents: HUD Fair Market Rents, FY2026 (40th-percentile gross rent incl. utilities). Price levels: BEA Regional Price Parities, 2024.
Customer Service Representative jobs are about as common in Chattanooga, TN as in the U.S. overall (location quotient 1.14).
Best-paying cities for customer service representatives, adjusted for cost of living
Chattanooga, TN ranks #4 of 142 metro areas once taxes and local prices are taken into account.
| # | Metro area | Median salary | Take-home | Real value* |
|---|---|---|---|---|
| 1 | Des Moines, IA | $48,880 | $40,249 | $43,892 |
| 2 | San Jose, CA | $60,480 | $48,311 | $43,751 |
| 3 | Cedar Rapids, IA | $45,510 | $37,670 | $42,343 |
| 4 | Chattanooga, TN | $45,030 | $38,362 | $41,942 |
| 5 | Canton, OH | $44,430 | $37,440 | $41,876 |
| 6 | Green Bay, WI | $46,880 | $38,566 | $41,431 |
| 7 | Sioux Falls, SD | $43,850 | $37,413 | $41,281 |
| 8 | Cleveland, OH | $46,040 | $38,689 | $41,193 |
*Take-home pay divided by the BEA price level, so every city is measured in U.S.-average dollars. See all 142 metros →
About the job: customer service representatives
Interact with customers to provide basic or scripted information in response to routine inquiries about products and services. May handle and resolve general complaints.
- Typical education
- High school diploma or equivalent
- Work experience
- None required
- On-the-job training
- Short-term on-the-job training
- Job outlook, 2025–35
- -5.3% (declining)
Source: BLS Standard Occupational Classification and Employment Projections, 2025–35.
Customer Service Representative salaries elsewhere in Tennessee
- Memphis, TN — $44,090
- Nashville, TN — $45,510
- Knoxville, TN — $38,840
Frequently asked questions
How much does a customer service representative make in Chattanooga, TN?
The median customer service representative salary in the Chattanooga, TN-GA metro area is $45,030 a year, or about $21.65 an hour, according to the Bureau of Labor Statistics (May 2025). The middle half earn between $37,450 and $47,630.
What is a customer service representative’s take-home pay in Chattanooga, TN?
On the median $45,030 salary, a single filer living in Tennessee takes home about $38,362 a year ($3,197 a month) after federal tax, Social Security, Medicare in 2026.
Is Chattanooga, TN a good place to work as a customer service representative?
Pay here is 1% above the national median of $44,770. Local prices are 8.5% below the U.S. average, so the take-home pay buys what $41,942 would in a typical U.S. city. Chattanooga, TN ranks #4 of 142 metro areas for cost-of-living-adjusted pay in this job.
Can a customer service representative afford rent in Chattanooga, TN?
HUD’s fair market rent for a one-bedroom in Chattanooga, TN is $1,263 a month ($1,390 for two bedrooms) — 40% of a median customer service representative’s monthly take-home pay. Financial planners usually suggest keeping rent under about 30%.
Related jobs in Chattanooga, TN
- First-Line Supervisor of Office and Administrative Support Workers — $64,150
- Bookkeeping, Accounting, and Auditing Clerks — $46,920
- Secretaries and Administrative Assistants, Except Legal, Medical, and Executive — $41,990
- Medical Secretary and Administrative Assistant — $38,640
- Office Clerks, General — $37,860