What Office Clerks, General earn in Shelby County, TN
The median pay for Office Clerks, General in Shelby County, TN is $38,610 per year, which works out to $18.56 per hour. The figure comes from the Bureau of Labor Statistics wage survey for the Memphis, TN-MS-AR metropolitan area, the labor market that Shelby County, TN belongs to. Half of the workers in this occupation earn more than the median and half earn less, which makes it a sturdier yardstick than an average that a few very high earners can pull upward.
The mean wage is $41,310, which is 7.0% above the median, a sign that a group of high earners lifts the average. The survey counts about 9,060 people working in this occupation across the Memphis, TN-MS-AR metropolitan area, so the estimate rests on a substantial pool of workers. Shelby County, TN has roughly 919,173 residents, according to the population figures used by the rent data.
The salary range, from entry level to top earners
Pay for Office Clerks, General in the Memphis, TN-MS-AR metropolitan area is not one number. The lowest-paid tenth of workers earn up to $28,380 a year ($13.64 an hour), while the highest-paid tenth earn $58,390 or more ($28.07 an hour). That is a gap of $30,010 between the bottom and the top of the scale. The middle half of workers falls between $33,640 at the 25th percentile and $46,950 at the 75th percentile. A top-tier earner makes 2.1 times what someone at the bottom makes, so experience, certification and employer all matter.
What the hourly rate looks like
Employers quote this occupation by the hour or by the year, so here are both: $18.56 an hour or $38,610 a year at the median for Shelby County, TN. Before any deductions, that is $3,218 a month, $1,485 every two weeks and $743 each week. After taxes the same job pays $15.94 per hour of take-home income, which is the number that actually has to cover rent and groceries.
About this occupation: Office Clerks, General
The U.S. Department of Labor's O*NET database describes the work of Office Clerks, General this way: "Perform duties too varied and diverse to be classified in any specific office clerical occupation, requiring knowledge of office systems and procedures. Clerical duties may be assigned in accordance with the office procedures of individual establishments and may include a combination of answering telephones, bookkeeping, typing or word processing, office machine operation, and filing."
Core tasks recorded by O*NET include: "Communicate with customers, employees, and other individuals to answer questions, disseminate or explain information, take orders, and address complaints"; "Answer telephones, direct calls, and take messages"; "Compile, copy, sort, and file records of office activities, business transactions, and other activities"; "Operate office machines, such as photocopiers and scanners, facsimile machines, voice mail systems, and personal computers".
Job outlook for Office Clerks, General
The Bureau of Labor Statistics projects national employment in this occupation to shrink from 2,600,000 jobs in 2025 to 2,443,700 in 2035, a change of -6%, slower than the 3.5% projected for all occupations. The projection counts 249,000 openings a year on average, including positions created by growth and positions left by workers who retire or move to another occupation; that equals 9.6% of current employment each year.
Typical entry-level education: high school diploma or equivalent. Typical on-the-job training to reach competency: short-term on-the-job training. BLS lists a national median annual wage of $45,010 for this occupation; the Shelby County, TN median of $38,610 is 14.2% below it.
How pay in Shelby County, TN compares
Compared with the Tennessee average
Pay in Shelby County, TN runs $1,048 below the Tennessee average of $39,658, a gap of 2.6%. A worker who moved to a better-paying part of Tennessee would, on paper, gain that difference before taxes. Within Tennessee, the highest median we track for this job is $43,860 in Davidson County, TN.
Compared with the national average
The national employment-weighted average for Office Clerks, General is $44,586 across the contiguous United States. At $38,610, Shelby County, TN pays $5,976 less, which is 13.4% below that benchmark. Keep in mind that a higher salary only helps if living costs do not rise faster, which is why the cost sections below matter as much as the headline number.
Where this job ranks in Shelby County, TN
Among the 502 occupations with published wages in Shelby County, TN, Office Clerks, General ranks number 412 by median pay, ahead of about 18% of them. The best-paying occupation we track here is General and Operations Managers at $102,510 a year, which is $63,900 more than the median for Office Clerks, General.
From gross pay to take-home pay
Three separate tax bills sit between the gross salary and the bank account: federal income tax, FICA, and state income tax. For Office Clerks, General earning the Shelby County, TN median of $38,610, they add up to $5,458. The result is $33,152 of take-home pay a year ($2,763 a month), based on a single filer using the standard deduction.
Put another way, of every $100 earned, about $14 goes to taxes and $86 reaches the paycheck. The overall effective tax rate is 14.1%.
Federal income tax
After the $15,750 standard deduction, taxable income is $22,860. Federal brackets are marginal, so only the slice of income above each threshold is taxed at the higher rate; the last dollars of this salary fall in the 12% bracket. The resulting federal income tax is $2,505, an effective 6.5% of gross pay, well below the 12% marginal rate because the lower brackets are cheaper.
Social Security and Medicare (FICA)
Payroll taxes are a flat percentage of wages. Social Security takes 6.2% up to a wage base of $176,100, which costs $2,394 on this salary. Medicare takes 1.45%, or $560. FICA totals $2,954, which is 7.6% of gross pay.
State income tax in Tennessee
Tennessee does not tax wage income, so the state income tax line for Office Clerks, General in Shelby County, TN is $0. That alone leaves more in the paycheck than the same salary would in a state with an income tax. For scale, a hypothetical flat 5% state tax on this salary would cost about $1,931 a year, so the absence of a state tax is worth roughly $161 a month.
A cross-check with IRS data for Shelby County, TN
IRS Statistics of Income data for Shelby County, TN show an average adjusted gross income of $81,297 per return and an average effective federal income tax rate of 14.7% across all filers. Filers in the $25,000 to under $50,000 bracket, where this salary falls, paid an average of 4.4%, compared with the 6.5% estimated here for a single filer taking the standard deduction. Gaps between the two reflect filing status, dependents, credits and other income, none of which a single-person wage estimate includes.
Cost of living in Shelby County, TN
Take-home pay only means something next to what life costs. We price four basics for one adult in Shelby County, TN: a one-bedroom apartment, food, home energy and gasoline. All of them are converted to annual figures first, then compared with the $33,152 of take-home pay.
Rent
Housing is the largest line in most budgets. For Shelby County, TN, HUD sets the Fair Market Rent for a one-bedroom unit at $1,191 a month ($14,292 a year), and at $1,301 for two bedrooms. For Office Clerks, General, a one-bedroom absorbs 43.1% of take-home pay and 37.0% of gross pay.
Food
The USDA Thrifty Food Plan (August 2026) puts the cost of a nutritious home-cooked diet for an adult at about $3,436 a year, which is $286 a month or $66.07 a week. That equals 8.9% of gross pay for Office Clerks, General in Shelby County, TN. It is a thrifty budget with no restaurant meals, so treat it as a floor.
Energy and gasoline
Using Tennessee residential prices from the Energy Information Administration and national household averages for consumption, electricity costs about $1,313 a year and other home energy such as natural gas about $421, for $1,733 in total. Gasoline in Tennessee averages $3.08 per gallon; at about 463 gallons a year (11,106 miles at 24 miles per gallon) fuel adds $1,426.
What is left over
Rent, food, energy and gasoline cost $20,887 a year in Shelby County, TN. Subtract that from $33,152 of take-home pay and $12,265 remains, which is $1,022 a month of breathing room. That margin equals 31.8% of gross pay, a comfortable cushion by common budgeting rules.
Local housing and commute data for Shelby County, TN
The budget above covers rent, food, energy and gasoline. Three more local facts shape what a paycheck buys in Shelby County, TN: property taxes, housing prices and the daily commute. The figures below are exact U.S. Census Bureau American Community Survey 2020-2024 5-year estimates for Shelby County, TN, set beside the Tennessee and national medians.
Property taxes in Shelby County, TN
Homeowners in Shelby County, TN pay a median of $2,429 a year in real estate taxes, 68% above the Tennessee median of $1,442 and 22% below the U.S. median of $3,119. Against a median home value of $249,100, the median tax bill is 0.98% of that value (the ratio of the two county medians). For a worker paid the local Office Clerks, General median of $38,610, a tax bill of that size would equal 6.3% of gross pay, which matters for anyone planning to buy rather than rent.
Rents, home prices and household income in Shelby County, TN
Renters in Shelby County, TN pay a median gross rent of $1,232 a month in the Census survey, 4% above the Tennessee median of $1,189. HUD's Fair Market Rent for a one-bedroom apartment, which this site uses in the budget, is $1,191 a month; the two measures differ because the Census figure covers units of every size that renters already occupy, while the HUD figure is a one-bedroom benchmark. The median value of an owner-occupied home is $249,100, 13% below the Tennessee median of $286,700. Median household income is $63,767, 8% below the Tennessee median of $69,595, so a year of one-bedroom Fair Market Rent equals 22.4% of that income.
Commuting in Shelby County, TN
Workers in Shelby County, TN who travel to a workplace spend an average of 22.3 minutes each way, 13% below the Tennessee average of 25.7. For someone who commutes five days a week, that is 3.7 hours of round-trip travel every week, a cost the budget does not price. 10.8% of workers in Shelby County, TN work from home, compared with 15.1% nationally, which removes the commute for them.
Can Office Clerks, General afford to live in Shelby County, TN?
The 30% rent guideline
A common rule of thumb says rent should stay under 30% of gross income. For a gross salary of $38,610 that ceiling is $965 a month. The one-bedroom Fair Market Rent of $1,191 is $226 over it, so rent breaks the guideline. Put as a wage, covering a one-bedroom at the 30% guideline takes $22.90 an hour; the median for Office Clerks, General is $18.56, which is 19% below that mark. Another way to see it: at $15.94 of take-home pay an hour, a one-bedroom takes about 17.2 working hours every week.
Splitting a two-bedroom
Sharing a two-bedroom at $1,301 a month means $651 each. Compared with renting a one-bedroom alone, that saves $6,486 a year. With a roommate, the yearly margin after the basics becomes $18,751.
How fast you can save
At $1,022 a month of margin, building a $10,000 emergency fund would take about 10 months. Setting aside half of the margin stretches the same goal to about 20 months. These figures ignore interest, raises and any spending beyond the four basics.
Frequently asked questions about Office Clerks, General pay in Shelby County, TN
How much do Office Clerks, General make per hour in Shelby County, TN?
The median is $18.56 per hour, based on $38,610 a year over 2,080 hours. Hourly pay runs from about $13.64 at the 10th percentile to $28.07 at the 90th percentile.
How much do Office Clerks, General take home after taxes in Shelby County, TN?
After federal income tax, FICA, the median salary of $38,610 becomes $33,152 a year. That is $2,763 a month, $1,275 every two weeks or $638 a week.
How much tax do Office Clerks, General pay in Shelby County, TN?
Total taxes are $5,458 a year, an effective rate of 14.1%: $2,505 federal income tax, $2,954 FICA and no Tennessee income tax.
Do Office Clerks, General earn more in Shelby County, TN than elsewhere in Tennessee?
No. The local median of $38,610 is -2.6% versus the Tennessee average of $39,658, a difference of $1,048 a year.
Can Office Clerks, General afford a one-bedroom apartment in Shelby County, TN?
A one-bedroom costs $1,191 a month against take-home pay of $2,763, which is 43.1% of take-home pay. That does not meet the 30%-of-gross guideline, which allows up to $965 a month.
What is the monthly budget margin for Office Clerks, General in Shelby County, TN?
About $1,022 a month ($12,265 a year) remains after a one-bedroom apartment, food, home energy and gasoline, which together cost $20,887 a year.
What hourly wage covers a one-bedroom in Shelby County, TN at the 30% guideline?
$22.90 an hour for a full-time schedule, calculated as the $14,292 annual rent divided by 0.30 and by 2,080 hours. The median for Office Clerks, General is $18.56.
How we calculated these numbers
Wages are May 2025 medians from the Bureau of Labor Statistics Occupational Employment and Wage Statistics survey for the Memphis, TN-MS-AR metropolitan area; hourly-only values are annualized at 2,080 hours. Rents are HUD Fair Market Rents, food costs come from the USDA Thrifty Food Plan, and energy prices come from the Energy Information Administration. County-level tax statistics come from the IRS Statistics of Income.
Taxes use tax-year 2025 federal brackets, FICA rates and the Tennessee rules for a single filer with wage income only. Figures are estimates for planning and comparison, not tax or financial advice, and they exclude local income taxes, benefits, retirement contributions and individual circumstances.