Financial Analyst · Salary Comparison · 2026
Financial Analyst Salary: Memphis, TN vs San Francisco, CA
Side-by-side comparison of salary, taxes, cost of living, and take-home pay for Financial Analysts in Memphis, TN and San Francisco, CA, based on BLS OEWS 2026 data.
1Which City Pays More After Tax?
Higher Gross Salary
✓ San Francisco, CA
$68,000 vs $112,000
Better Purchasing Power
✓ Memphis, TN
$81,928 vs $60,215
Best Take-Home (COL-Adj)
✓ Memphis, TN
$75,701 vs $50,465
2
Detailed Comparison
| Metric | Memphis, TN | San Francisco, CA | Diff |
|---|---|---|---|
| Median Annual Salary | $68,000 | $112,000▲ | -$44,000 |
| 25th Percentile | $50,000 | $82,000▲ | -$32,000 |
| 75th Percentile | $88,000 | $148,000▲ | -$60,000 |
| 90th Percentile | $114,000 | $190,000▲ | -$76,000 |
| Cost of Living Index | 83 | 186 | -103 |
| State Income Tax | 0%▲ | 9.3% | -9.3% |
| COL-Adjusted Median | $81,928▲ | $60,215 | +$21,713 |
| Est. Annual Take-Home | $62,832 | $93,864▲ | -$31,032 |
| COL-Adj. Take-Home | $75,701▲ | $50,465 | +$25,236 |
| Total Employment | 4,000 | 14,000 | -10,000 |
▲ = Higher value wins for this metric. Diff = Memphis, TN minus San Francisco, CA.
3Summary Analysis
On paper, San Francisco, CA pays $44,000 more (median: $68,000 vs $112,000). However, after adjusting for cost of living (index 83 vs 186), Memphis, TN provides better purchasing power ($81,928 vs $60,215 equivalent). Memphis, TN has no state income tax, which is a significant advantage.
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Data: U.S. Bureau of Labor Statistics OEWS · 2026 · Cost-of-living indices from composite metro area data. Take-home estimates approximate only — consult a tax professional for accurate figures.