What Nurse Practitioners earn in Sumner County, TN
According to the latest federal wage data for the Nashville-Davidson--Murfreesboro--Franklin, TN metropolitan area, the median pay for Nurse Practitioners in Sumner County, TN is $122,320 a year, or $58.81 an hour. After federal income tax, Social Security, Medicare (and no state income tax), the paycheck shrinks to $94,539 a year, and rent, food and energy take another bite. The sections below walk through each step with the actual math for Sumner County, TN.
The mean wage is $118,990, which is 2.7% below the median, which suggests many workers sit near the top of the pay scale. The survey counts about 4,540 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 Nurse Practitioners in the Nashville-Davidson--Murfreesboro--Franklin, TN metropolitan area is not one number. The lowest-paid tenth of workers earn up to $84,300 a year ($40.53 an hour), while the highest-paid tenth earn $139,740 or more ($67.18 an hour). That is a gap of $55,440 between the bottom and the top of the scale. The middle half of workers falls between $105,230 at the 25th percentile and $134,570 at the 75th percentile. A top-tier earner makes 1.7 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: $58.81 an hour or $122,320 a year at the median for Sumner County, TN. Before any deductions, that is $10,193 a month, $4,705 every two weeks and $2,352 each week. After taxes the same job pays $45.45 per hour of take-home income, which is the number that actually has to cover rent and groceries.
About this occupation: Nurse Practitioners
The U.S. Department of Labor's O*NET database describes the work of Nurse Practitioners this way: "Diagnose and treat acute, episodic, or chronic illness, independently or as part of a healthcare team. May focus on health promotion and disease prevention. May order, perform, or interpret diagnostic tests such as lab work and x rays. May prescribe medication. Must be registered nurses who have specialized graduate education."
Core tasks recorded by O*NET include: "Educate patients about self-management of acute or chronic illnesses, tailoring instructions to patients' individual circumstances"; "Schedule follow-up visits to monitor patients or evaluate health or illness care"; "Counsel patients about drug regimens and possible side effects or interactions with other substances, such as food supplements, over-the-counter (OTC) medications, or herbal remedies"; "Order, perform, or interpret the results of diagnostic tests, such as complete blood counts (CBCs), electrocardiograms (EKGs), and radiographs (x-rays)".
Job outlook for Nurse Practitioners
The Bureau of Labor Statistics projects national employment in this occupation to grow from 336,300 jobs in 2025 to 474,100 in 2035, a change of +41%, faster than the 3.5% projected for all occupations. The projection counts 29,400 openings a year on average, including positions created by growth and positions left by workers who retire or move to another occupation; that equals 8.7% of current employment each year.
Typical entry-level education: master's degree. BLS lists a national median annual wage of $132,300 for this occupation; the Sumner County, TN median of $122,320 is 7.5% below it.
How pay in Sumner County, TN compares
Compared with the Tennessee average
A worker in this occupation in Sumner County, TN earns $4,795 more than the Tennessee average of $117,525, a premium of 4.1%. Over a year that premium is worth $4,795 before tax and roughly $3,706 after tax. 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 Nurse Practitioners is $135,755 across the contiguous United States. At $122,320, Sumner County, TN pays $13,435 less, which is 9.9% 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, Nurse Practitioners ranks number 36 by median pay, ahead of about 93% of them. The best-paying occupation we track here is Computer and Information Systems Managers at $165,970 a year, which is $43,650 more than the median for Nurse Practitioners.
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 Nurse Practitioners earning the Sumner County, TN median of $122,320, they add up to $27,781. The result is $94,539 of take-home pay a year ($7,878 a month), based on a single filer using the standard deduction.
Put another way, of every $100 earned, about $23 goes to taxes and $77 reaches the paycheck. The overall effective tax rate is 22.7%.
Federal income tax
After the $15,750 standard deduction, taxable income is $106,570. 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 24% bracket. The resulting federal income tax is $18,424, an effective 15.1% of gross pay, well below the 24% 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 $7,584 on this salary. Medicare takes 1.45%, or $1,774. FICA totals $9,357, 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 Nurse Practitioners in Sumner 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 $6,116 a year, so the absence of a state tax is worth roughly $510 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 $100,000 to under $200,000 bracket, where this salary falls, paid an average of 11.1%, compared with the 15.1% 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 $94,539 of take-home pay.
Rent
Housing is the largest line in most budgets. For Sumner County, TN, HUD sets the Fair Market Rent for a one-bedroom unit at $1,650 a month ($19,800 a year), and at $1,798 for two bedrooms. For Nurse Practitioners, a one-bedroom absorbs 20.9% of take-home pay and 16.2% 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 2.8% of gross pay for Nurse Practitioners 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
Rent, food, energy and gasoline cost $26,395 a year in Sumner County, TN. Subtract that from $94,539 of take-home pay and $68,144 remains, which is $5,679 a month of breathing room. That margin equals 55.7% of gross pay, a comfortable cushion by common budgeting rules.
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 Nurse Practitioners median of $122,320, a tax bill of that size would equal 1.6% 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 Nurse Practitioners 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 $122,320 that ceiling is $3,058 a month. The one-bedroom Fair Market Rent of $1,650 is $1,408 under it, so rent fits the guideline. Put as a wage, covering a one-bedroom at the 30% guideline takes $31.73 an hour; the median for Nurse Practitioners is $58.81, which is 85% above that mark. Another way to see it: at $45.45 of take-home pay an hour, a one-bedroom takes about 8.4 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 $77,156.
How fast you can save
At $5,679 a month of margin, building a $10,000 emergency fund would take about 2 months. Setting aside half of the margin stretches the same goal to about 4 months. These figures ignore interest, raises and any spending beyond the four basics.
Frequently asked questions about Nurse Practitioners pay in Sumner County, TN
How much do Nurse Practitioners make per hour in Sumner County, TN?
The median is $58.81 per hour, based on $122,320 a year over 2,080 hours. Hourly pay runs from about $40.53 at the 10th percentile to $67.18 at the 90th percentile.
How much do Nurse Practitioners take home after taxes in Sumner County, TN?
After federal income tax, FICA, the median salary of $122,320 becomes $94,539 a year. That is $7,878 a month, $3,636 every two weeks or $1,818 a week.
How much tax do Nurse Practitioners pay in Sumner County, TN?
Total taxes are $27,781 a year, an effective rate of 22.7%: $18,424 federal income tax, $9,357 FICA and no Tennessee income tax.
Do Nurse Practitioners earn more in Sumner County, TN than elsewhere in Tennessee?
Yes. The local median of $122,320 is +4.1% versus the Tennessee average of $117,525, a difference of $4,795 a year.
Can Nurse Practitioners afford a one-bedroom apartment in Sumner County, TN?
A one-bedroom costs $1,650 a month against take-home pay of $7,878, which is 20.9% of take-home pay. That meets the 30%-of-gross guideline, which allows up to $3,058 a month.
What is the monthly budget margin for Nurse Practitioners in Sumner County, TN?
About $5,679 a month ($68,144 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 Nurse Practitioners is $58.81.
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.