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.
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 #30 of 357 metro areas once taxes and local prices are taken into account.
| # | Metro area | Median salary | Take-home | Real value* |
|---|---|---|---|---|
| 1 | St. Cloud, MN | $48,120 | $39,089 | $44,605 |
| 2 | Dubuque, IA | $46,670 | $38,558 | $44,153 |
| 3 | Des Moines, IA | $48,880 | $40,249 | $43,892 |
| 4 | San Jose, CA | $60,480 | $48,311 | $43,751 |
| 5 | Elkhart, IN | $48,000 | $39,362 | $43,578 |
| 6 | Bismarck, ND | $46,240 | $39,334 | $43,213 |
| 7 | Fond du Lac, WI | $47,500 | $39,037 | $42,597 |
| 8 | Midland, MI | $48,250 | $39,149 | $42,590 |
| 30 | 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 357 metros →
Customer Service Representative salaries elsewhere in Tennessee
- Chattanooga, TN — $45,030
- Nashville, TN — $45,510
- Jackson, TN — $38,680
- Morristown, TN — $37,570
- Cleveland, TN — $37,600
- Kingsport, TN — $36,130
- Knoxville, TN — $38,840
- Johnson City, TN — $36,570
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 #30 of 357 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
- Executive Secretary and Executive Administrative Assistant — $63,610
- Postal Service Mail Carrier — $58,910
- Production, Planning, and Expediting Clerks — $57,030
- Cargo and Freight Agent — $55,930
- Postal Service Mail Sorters, Processors, and Processing Machine Operators — $54,330
- Payroll and Timekeeping Clerk — $53,420
- Dispatchers, Except Police, Fire, and Ambulance — $53,080
- Eligibility Interviewers, Government Programs — $49,940
- Human Resources Assistants, Except Payroll and Timekeeping — $48,490
- Bookkeeping, Accounting, and Auditing Clerks — $48,400
- Billing and Posting Clerk — $46,340