What Cashiers earn in Sumner County, TN
The median pay for Cashiers in Sumner County, TN is $30,570 per year, which works out to $14.70 per hour. The figure comes from the Bureau of Labor Statistics wage survey for the Nashville-Davidson--Murfreesboro--Franklin, TN metropolitan area, the labor market that Sumner 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 $30,960, which is 1.3% above the median, so pay is spread fairly evenly. The survey counts about 18,270 people working in this occupation across the Nashville-Davidson--Murfreesboro--Franklin, TN metropolitan area, so the estimate rests on a substantial pool of workers. Sumner County, TN has roughly 204,424 residents, according to the population figures used by the rent data.
The salary range, from entry level to top earners
Pay for Cashiers in the Nashville-Davidson--Murfreesboro--Franklin, TN metropolitan area is not one number. The lowest-paid tenth of workers earn up to $23,080 a year ($11.10 an hour), while the highest-paid tenth earn $37,160 or more ($17.87 an hour). That is a gap of $14,080 between the bottom and the top of the scale. The middle half of workers falls between $27,340 at the 25th percentile and $34,890 at the 75th percentile. A top-tier earner makes 1.6 times what someone at the bottom makes, so experience, certification and employer all matter.
What the hourly rate looks like
Converted to an hourly wage, the median for Cashiers in Sumner County, TN is $14.70. A full-time schedule of 40 hours for 52 weeks adds up to $30,570, and the same salary is $2,548 a month before taxes or about $1,176 per biweekly pay period. After taxes the same job pays $12.83 per hour of take-home income, which is the number that actually has to cover rent and groceries.
About this occupation: Cashiers
The U.S. Department of Labor's O*NET database describes the work of Cashiers this way: "Receive and disburse money in establishments other than financial institutions. May use electronic scanners, cash registers, or related equipment. May process credit or debit card transactions and validate checks."
Core tasks recorded by O*NET include: "Receive payment by cash, check, credit cards, vouchers, or automatic debits"; "Issue receipts, refunds, credits, or change due to customers"; "Greet customers entering establishments"; "Establish or identify prices of goods, services, or admission, and tabulate bills, using calculators, cash registers, or optical price scanners".
Job outlook for Cashiers
The Bureau of Labor Statistics projects national employment in this occupation to shrink from 3,106,300 jobs in 2025 to 2,905,700 in 2035, a change of -6.5%, slower than the 3.5% projected for all occupations. The projection counts 521,300 openings a year on average, including positions created by growth and positions left by workers who retire or move to another occupation; that equals 16.8% of current employment each year.
Typical entry-level education: no formal educational credential. Typical on-the-job training to reach competency: short-term on-the-job training. BLS lists a national median annual wage of $32,880 for this occupation; the Sumner County, TN median of $30,570 is 7.0% below it.
How pay in Sumner County, TN compares
Compared with the Tennessee average
Sumner County, TN pays above the state benchmark. The Tennessee employment-weighted average for Cashiers is $28,754; the local median of $30,570 beats it by $1,816, or 6.3%. Within Tennessee, Sumner County, TN already has the highest median we track for this job.
Compared with the national average
The national employment-weighted average for Cashiers is $32,032 across the contiguous United States. At $30,570, Sumner County, TN pays $1,462 less, which is 4.6% 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 Sumner County, TN
Among the 532 occupations with published wages in Sumner County, TN, Cashiers ranks number 522 by median pay, ahead of about 2% of them. The best-paying occupation we track here is General and Operations Managers at $119,990 a year, which is $89,420 more than the median for Cashiers.
From gross pay to take-home pay
A salary of $30,570 does not arrive in full. We model a single filer with wage income only, the standard deduction and tax-year 2025 rules, and we keep the three tax layers apart: federal income tax, FICA (Social Security and Medicare) and state income tax. Together they take $3,879 a year, which leaves $26,692, or $2,224 a month.
Put another way, of every $100 earned, about $13 goes to taxes and $87 reaches the paycheck. The overall effective tax rate is 12.7%.
Federal income tax
After the $15,750 standard deduction, taxable income is $14,820. 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 $1,540, an effective 5.0% 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 $1,895 on this salary. Medicare takes 1.45%, or $443. FICA totals $2,339, which is 7.6% of gross pay.
State income tax in Tennessee
There is no state income tax on wages in Tennessee, which means Cashiers in Sumner County, TN keep the full $26,692 left after federal and payroll taxes. For scale, a hypothetical flat 5% state tax on this salary would cost about $1,529 a year, so the absence of a state tax is worth roughly $127 a month.
A cross-check with IRS data for Sumner County, TN
IRS Statistics of Income data for Sumner County, TN show an average adjusted gross income of $102,491 per return and an average effective federal income tax rate of 14.4% across all filers. Filers in the $25,000 to under $50,000 bracket, where this salary falls, paid an average of 5.5%, compared with the 5.0% 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 Sumner County, TN
Take-home pay only means something next to what life costs. We price four basics for one adult in Sumner County, TN: a one-bedroom apartment, food, home energy and gasoline. All of them are converted to annual figures first, then compared with the $26,692 of take-home pay.
Rent
The HUD Fair Market Rent for a one-bedroom apartment in Sumner County, TN is $1,650 a month, or $19,800 a year. A two-bedroom costs $1,798 a month. For Cashiers, a one-bedroom absorbs 74.2% of take-home pay and 64.8% 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 11.2% of gross pay for Cashiers in Sumner 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
Add the four basics together and living costs come to $26,395 a year, 99% of take-home pay. That leaves $296 a year, or $25 a month, for savings, transportation beyond fuel, health care, debt and everything else. That margin equals 1.0% of gross pay, a thin cushion that one unexpected expense could erase.
Local housing and commute data for Sumner County, TN
The budget above covers rent, food, energy and gasoline. Three more local facts shape what a paycheck buys in Sumner 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 Sumner County, TN, set beside the Tennessee and national medians.
Property taxes in Sumner County, TN
Homeowners in Sumner County, TN pay a median of $1,987 a year in real estate taxes, 38% above the Tennessee median of $1,442 and 36% below the U.S. median of $3,119. Against a median home value of $393,100, the median tax bill is 0.51% of that value (the ratio of the two county medians). For a worker paid the local Cashiers median of $30,570, a tax bill of that size would equal 6.5% of gross pay, which matters for anyone planning to buy rather than rent.
Rents, home prices and household income in Sumner County, TN
Renters in Sumner County, TN pay a median gross rent of $1,424 a month in the Census survey, 20% 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 $1,650 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 $393,100, 37% above the Tennessee median of $286,700. Median household income is $90,301, 30% above the Tennessee median of $69,595, so a year of one-bedroom Fair Market Rent equals 21.9% of that income.
Commuting in Sumner County, TN
Workers in Sumner County, TN who travel to a workplace spend an average of 29.0 minutes each way, 13% above the Tennessee average of 25.7. For someone who commutes five days a week, that is 4.8 hours of round-trip travel every week, a cost the budget does not price. 16.2% of workers in Sumner County, TN work from home, compared with 15.1% nationally, which removes the commute for them.
Can Cashiers afford to live in Sumner 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 $30,570 that ceiling is $764 a month. The one-bedroom Fair Market Rent of $1,650 is $886 over it, so rent breaks the guideline. Put as a wage, covering a one-bedroom at the 30% guideline takes $31.73 an hour; the median for Cashiers is $14.70, which is 54% below that mark. Another way to see it: at $12.83 of take-home pay an hour, a one-bedroom takes about 29.7 working hours every week.
Splitting a two-bedroom
Sharing a two-bedroom at $1,798 a month means $899 each. Compared with renting a one-bedroom alone, that saves $9,012 a year. With a roommate, the yearly margin after the basics becomes $9,308.
How fast you can save
At $25 a month of margin, building a $10,000 emergency fund would take about 405 months (33.8 years). Setting aside half of the margin stretches the same goal to about 810 months. These figures ignore interest, raises and any spending beyond the four basics.
Frequently asked questions about Cashiers pay in Sumner County, TN
What is the hourly wage for Cashiers in Sumner County, TN?
The median is $14.70 per hour, based on $30,570 a year over 2,080 hours. Hourly pay runs from about $11.10 at the 10th percentile to $17.87 at the 90th percentile.
What is the take-home pay for Cashiers in Sumner County, TN?
After federal income tax, FICA, the median salary of $30,570 becomes $26,692 a year. That is $2,224 a month, $1,027 every two weeks or $513 a week.
What percentage of pay goes to taxes for Cashiers in Sumner County, TN?
Total taxes are $3,879 a year, an effective rate of 12.7%: $1,540 federal income tax, $2,339 FICA and no Tennessee income tax.
Is pay for Cashiers in Sumner County, TN above the Tennessee average?
Yes. The local median of $30,570 is +6.3% versus the Tennessee average of $28,754, a difference of $1,816 a year.
Is a one-bedroom rent affordable on the median Cashiers salary in Sumner County, TN?
A one-bedroom costs $1,650 a month against take-home pay of $2,224, which is 74.2% of take-home pay. That does not meet the 30%-of-gross guideline, which allows up to $764 a month.
How much is left after rent, food and energy for Cashiers in Sumner County, TN?
About $25 a month ($296 a year) remains after a one-bedroom apartment, food, home energy and gasoline, which together cost $26,395 a year.
What hourly wage covers a one-bedroom in Sumner County, TN at the 30% guideline?
$31.73 an hour for a full-time schedule, calculated as the $19,800 annual rent divided by 0.30 and by 2,080 hours. The median for Cashiers is $14.70.
How we calculated these numbers
Wages are May 2025 medians from the Bureau of Labor Statistics Occupational Employment and Wage Statistics survey for the Nashville-Davidson--Murfreesboro--Franklin, TN 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.