Customer Service Representative Salary in Memphis, TN
Customer Service Representatives in the Memphis, TN-MS-AR metro area earn a median $44,090 a year — 2% less than the national median. After 2026 taxes, that is $37,606 take-home, or $3,134 a month.
Take-home pay calculator
Pre-filled with the median customer service representative salary in Memphis, TN. Enter your own offer to see your paycheck.
- Federal income tax$3,111
- Social Security (6.2%)$2,734
- Medicare (1.45%)$639
- Tennessee income tax$0
- Take-home pay$37,606
Marginal rate: 12% federal + 0.00% state
The Memphis, TN-MS-AR metro spans Tennessee, Mississippi, Arkansas. 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 Memphis, TN
| Percentile | Salary | Hourly | Take-home / yr | Per month |
|---|---|---|---|---|
| 10th percentile (entry level) | $31,570 | $15.18 | $27,546 | $2,296 |
| 25th percentile | $36,650 | $17.62 | $31,628 | $2,636 |
| Median (50th) | $44,090 | $21.20 | $37,606 | $3,134 |
| 75th percentile | $48,470 | $23.30 | $41,126 | $3,427 |
| 90th percentile (top earners) | $60,470 | $29.07 | $50,768 | $4,231 |
Wages: BLS Occupational Employment and Wage Statistics, May 2025. Take-home: single filer, Tennessee resident, 2026 tax rules.
What $44,090 buys in Memphis, TN
Prices in Memphis, TN are 7.8% lower than the U.S. average (housing costs are 20% below the national average). Adjusted for local prices, a median customer service representative's $37,606 take-home pay has the buying power of $40,797 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 Memphis, TN as in the U.S. overall (location quotient 0.92).
Best-paying cities for customer service representatives, adjusted for cost of living
Memphis, TN ranks #13 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 |
| 13 | Memphis, TN | $44,090 | $37,606 | $40,797 |
*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
- Chattanooga, TN — $45,030
- Nashville, TN — $45,510
- Knoxville, TN — $38,840
Frequently asked questions
How much does a customer service representative make in Memphis, TN?
The median customer service representative salary in the Memphis, TN-MS-AR metro area is $44,090 a year, or about $21.20 an hour, according to the Bureau of Labor Statistics (May 2025). The middle half earn between $36,650 and $48,470.
What is a customer service representative’s take-home pay in Memphis, TN?
On the median $44,090 salary, a single filer living in Tennessee takes home about $37,606 a year ($3,134 a month) after federal tax, Social Security, Medicare in 2026.
Is Memphis, TN a good place to work as a customer service representative?
Pay here is 2% below the national median of $44,770. Local prices are 7.8% below the U.S. average, so the take-home pay buys what $40,797 would in a typical U.S. city. Memphis, TN ranks #13 of 142 metro areas for cost-of-living-adjusted pay in this job.
Can a customer service representative afford rent in Memphis, TN?
HUD’s fair market rent for a one-bedroom in Memphis, TN is $1,137 a month ($1,263 for two bedrooms) — 36% of a median customer service representative’s monthly take-home pay. Financial planners usually suggest keeping rent under about 30%.
Related jobs in Memphis, TN
- First-Line Supervisor of Office and Administrative Support Workers — $71,310
- Production, Planning, and Expediting Clerks — $57,030
- Bookkeeping, Accounting, and Auditing Clerks — $48,400
- Secretaries and Administrative Assistants, Except Legal, Medical, and Executive — $45,960
- Shipping, Receiving, and Inventory Clerks — $45,800
- Medical Secretary and Administrative Assistant — $39,940
- Office Clerks, General — $38,610