Tennessee
$24,822
Combined bill · #3 least taxed of 51
- Paycheck tax
- $20,820
- Property tax
- $2,080
- Sales tax
- $1,922
- Share of wages
- 24.8%
- State wage income tax
- None
Compare different states
2026 · wage + property + sales
2026 · wage + property + salesTennessee vs Georgia Household Tax
Tennessee keeps the modeled household bill about $5,660 lower than Georgia. One fixed household — single filer, $100,000 wages, $400,000 home, $20,000 of taxable spending — so only state tax policy moves the total.
By Sammy S. · Founder · AuthorUpdated for 2026
Lower combined household bill
Tennessee is less taxed
About $5,660 less per year — roughly $472 a month on identical assumptions.
Side-by-side household scoreboard
Georgia
$30,482
Combined bill · #34 least taxed of 51
- Paycheck tax
- $25,810
- Property tax
- $3,160
- Sales tax
- $1,512
- Share of wages
- 30.5%
- State wage income tax
- Yes
Line-by-line ladder
Every row uses the same household. The gap column is the annual dollar difference between Tennessee and Georgia.
| Line | Tennessee | Georgia | Gap |
|---|---|---|---|
| Paycheck tax (federal + state + FICA) | $20,820 | $25,810 | $4,990 |
| Property tax ($400,000 home) | $2,080 | $3,160 | $1,080 |
| Sales tax ($20,000 basket) | $1,922 | $1,512 | $410 |
| Combined household bill | $24,822 | $30,482 | $5,660 |
| Share of gross wages | 24.8% | 30.5% | 5.7 pts |
| Money left after the three lines | $75,178 | $69,518 | $5,660 |
Paycheck tax (federal + state + FICA)
Tennessee$20,820
Georgia$25,810
Gap $4,990
Property tax ($400,000 home)
Tennessee$2,080
Georgia$3,160
Gap $1,080
Sales tax ($20,000 basket)
Tennessee$1,922
Georgia$1,512
Gap $410
Combined household bill
Tennessee$24,822
Georgia$30,482
Gap $5,660
Share of gross wages
Tennessee24.8%
Georgia30.5%
Gap 5.7 pts
Money left after the three lines
Tennessee$75,178
Georgia$69,518
Gap $5,660
Same pair at every preset salary
Home value and taxable spending stay fixed, so the movement here comes from state wage brackets.
$75,000 wages
- Tennessee
- $17,410
- Georgia
- $21,822
Tennessee lower by $4,413
$100,000 wages
- Tennessee
- $24,822
- Georgia
- $30,482
Tennessee lower by $5,660
$150,000 wages
- Tennessee
- $40,211
- Georgia
- $48,366
Tennessee lower by $8,155
Paycheck
Federal tax and employee Social Security and Medicare apply in both states, so only the state income tax line moves — $4,990 here.
Property
0.52% in Tennessee vs 0.79% in Georgia on the same $400,000 home — $1,080 apart.
Sales
9.61% vs 7.56% combined state and average local rate on $20,000 of purchases — $410 apart.
Key takeaways — Tennessee vs Georgia
- Tennessee costs less overall: $24,822 vs $30,482 — a gap of $5,660 a year ($472 a month).
- Paycheck tax: $20,820 in Tennessee vs $25,810 in Georgia — $4,990 apart.
- Property tax on the $400,000 home: $2,080 (0.52%) vs $3,160 (0.79%) — $1,080 apart.
- Sales tax on $20,000: $1,922 (9.61%) vs $1,512 (7.56%) — $410 apart.
- As a share of wages: 24.8% in Tennessee vs 30.5% in Georgia — a 5.7-point spread.
- Nationally at $100,000 the vignette runs from $24,018 (Wyoming) to $35,086 (Illinois).
Tennessee vs Georgia household tax in 2026
Most state-tax comparisons stop at the paycheck. This one holds a whole household constant — $100,000 of wages for a single filer, a $400,000 owner-occupied home, and $20,000 of taxable spending — then adds paycheck tax, property tax, and sales tax together so a state cannot look cheap simply by shifting the burden.
Tennessee models the lower total by $5,660 a year. Read the line-item table before acting on it — the winner often wins on one levy while losing another.
The point of the vignette is comparability, not prediction. Change the home value or the spending assumption and the ordering can move, which is exactly why the hub lets you switch salary presets.
How Tennessee and Georgia split the burden
Tennessee: $20,820 paycheck, $2,080 property, $1,922 sales. Georgia: $25,810 paycheck, $3,160 property, $1,512 sales.
One side of this pair has no wage income tax. That advantage is real on the paycheck line, but states without an income tax generally recover revenue through property or sales tax — which is why the totals here can be much closer than headlines suggest.
If you rent rather than own, mentally drop the property line — though landlords price property tax into rent, so the saving is smaller than removing the row entirely.
Does the Tennessee vs Georgia answer hold at other salaries?
At $75,000 the modeled gap is $4,413 (lower in Tennessee). At $150,000 it is $8,155 (lower in Tennessee).
Property and sales tax stay fixed across the salary ladder because the home value and spending assumptions do not change — so movement in the gap comes almost entirely from progressive wage brackets.
That means the $75,000–$150,000 ladder is the fastest way to see whether the winner here is robust or an artifact of the $100,000 column.
What this comparison leaves out
Local income taxes, vehicle and excise taxes, insurance costs, income-tax credits for dependents or renters, and every itemized deduction sit outside the vignette.
The property line uses each state's effective owner-occupied rate, not your county's bill: two homes of identical value in the same state can differ by thousands depending on the district and exemptions.
Tax Foundation state-and-local burden estimates appear on the hub as a separate benchmark. They measure incidence across all residents and are not added into the household total here.
Concepts to know for this comparison
Short definitions so the wage, property, and sales lines add up the way you expect.
Household total
Paycheck tax + property tax + sales tax under one fixed vignette. On $100,000 that is $24,822 in Tennessee and $30,482 in Georgia.
Effective household rate
Household total ÷ gross wages, so property and sales tax are expressed against income: 24.8% vs 30.5% here. It can exceed a pure paycheck rate.
Effective property tax rate
Statewide average tax as a share of owner-occupied home value — 0.52% in Tennessee and 0.79% in Georgia. Your county rate can differ.
Combined sales tax rate
State rate plus the average local add-on: 9.61% vs 7.56%. Groceries and services are often exempt or taxed differently.
Myths vs facts — Tennessee vs Georgia
“No income tax means a cheaper household.”
Property and sales tax often make up the difference. In this pair the totals are $24,822 and $30,482 once all three levies are counted.
“Property tax only matters if the home is expensive.”
On a $400,000 home the modeled bills here are $2,080 and $3,160 — for many households the second-largest line after the paycheck.
“Sales tax is too small to change a comparison.”
On $20,000 of taxable spending the modeled sales tax is $1,922 vs $1,512. It rarely decides a move, but it does move the total.
“This is my actual tax bill.”
It is a standardized vignette — single filer, standard deduction, fixed home value and spending. Your filing status, county, exemptions, and habits all change the number.
Who this Tennessee vs Georgia page helps
Useful if…
- •Households weighing a move between Tennessee and Georgia who own (or plan to own) a home.
- •Anyone who suspects a “no income tax” headline hides higher property or sales tax.
- •People who want wage, housing, and consumption taxes in one comparable total.
- •Budgeters converting an annual tax difference into a monthly figure.
Use a fuller model if…
- •You rent, so the property line overstates your direct cost.
- •Your county's property tax differs sharply from the state average.
- •You file jointly, claim dependents, or itemize.
- •A local city income tax applies on either side.
Common mistakes reading this pair
- Judging a state on income tax alone and ignoring housing and consumption taxes.
- Applying the state average property rate to a specific county without checking.
- Comparing totals at a salary you will not earn.
- Forgetting that renters pay property tax indirectly through rent.
- Reading the Tax Foundation burden benchmark as part of the household total.
Tennessee vs Georgia checklist
Before treating the household total as a relocation decision.
- 1Check the total first ($5,660 apart), then the three line items behind it.
- 2Replace the $400,000 home value with the price you would actually pay in each state.
- 3Adjust the $20,000 spending assumption if your taxable consumption is much higher or lower.
- 4Look up your specific county or municipal property tax rate, not just the state average.
- 5Confirm whether either destination has a local income tax on top of the state rate.
- 6Re-run the salary ladder at the income you will actually earn.
Tennessee vs Georgia household tax FAQs
Tennessee. At $100,000 wages the modeled combined bill is about $24,822 in Tennessee vs $30,482 in Georgia — roughly $5,660 per year.
Tennessee: wage $20,820, property $2,080, sales $1,922. Georgia: wage $25,810, property $3,160, sales $1,512.
Paycheck tax differs by about $4,990, property by $1,080, and sales by $410 on the fixed $400,000 home and $20,000 basket.
Tennessee: no broad wage income tax. Georgia: state wage income tax applies. Federal income tax and employee Social Security and Medicare apply in both.
Tennessee models a 0.52% effective property rate and a 9.61% combined sales rate. Georgia models 0.79% and 7.56%.
$75,000: Tennessee lower by $4,413; $100,000: Tennessee lower by $5,660; $150,000: Tennessee lower by $8,155. Property and sales stay fixed, so the shift comes from state wage brackets.
Property is about 8.38% of the Tennessee total and 10.37% of the Georgia total. Sales is 7.74% and 4.96%; the rest is paycheck withholding.
Local wage taxes, city and county property levies above the statewide effective rate, excise taxes, itemized deductions, credits, and any employer-side payroll. Renters have no property line at all.
No. The published state-local burden rates are 7.6% for Tennessee and 8.9% for Georgia — an economic-incidence share of state income, shown as a separate benchmark and never added to this combined bill.
Yes — the interactive State Tax Report at /state-tax-report lets you set salary, filing status, home value, and taxable spend, then re-ranks every state.
Tennessee, by about $5,660 a year ($472 a month) on this vignette. Check the line items — the lower total often comes with a higher bill on one of the three levies.
Property tax differs by $1,080 on the $400,000 home (0.52% vs 0.79%). Paycheck tax differs by $4,990 and sales tax by $410.
No. The vignette covers federal and state income tax plus employee payroll, statewide effective property tax, and combined state-plus-average-local sales tax. City income taxes, excise and vehicle taxes, and most credits are excluded.
Compare another pair
Compare any two states
Combined wage, property, and sales tax on the $100,000 household vignette.
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State Tax Report 2026Interactive salary / home / spend scenario + CSV$100k take-home by statePaycheck-only ranking (no sales/property)Total tax burden by stateTax Foundation state-local incidenceProperty tax by stateEffective rates 2026Sales tax by stateCombined rates 2026State vs state compareTake-home ladders for any pairCost of living by stateMERIC/C2ER indexesProperty tax calculatorCustom home value + rate
Estimates for one fixed household, 2026 rules. Statewide average property and sales rates — local wage taxes, city levies, excise taxes, credits, and itemized deductions are excluded. Not tax advice.