Georgia
+0.9%
Real raise · rank #22 of 50
- After-tax raise
- +4.4%
- Tax drag
- 0.6%
- Take-home before
- $74,190
- Take-home after
- $77,458
- Annual gain
- $3,268
Compare different states
2026 · 5% on $100,000
2026 · 5% on $100,000Georgia vs Tennessee Real Raise
Georgia and Tennessee both turn a 5% offer into about +0.9% of real purchasing power. Same offer, same national CPI — only state income tax on the raise dollars differs.
By Sammy S. · Founder · AuthorUpdated for 2026
Better real raise on $100,000
Georgia and Tennessee are tied
Both land near +0.9% real after tax and 3.5% CPI-U — neither state taxes the raise dollars differently on this model.
Side-by-side raise scoreboard
Tennessee
+0.9%
Real raise · rank #6 of 50
- After-tax raise
- +4.4%
- Tax drag
- 0.6%
- Take-home before
- $79,180
- Take-home after
- $82,698
- Annual gain
- $3,518
From offer letter to purchasing power
Each row peels one layer off the 5% offer on $100,000: first the tax wedge, then inflation.
| Measure | Georgia | Tennessee | Gap |
|---|---|---|---|
| Nominal raise on the offer letter | 5% | 5% | — |
| After-tax raise (take-home growth) | +4.4% | +4.4% | 0.04 pts |
| Real raise after 3.5% CPI-U | +0.9% | +0.9% | 0.04 pts |
| Tax drag on the raise | 0.6% | 0.6% | 0.04 pts |
| Annual take-home gain | $3,268 | $3,518 | $250 |
| Break-even nominal raise | 4% | 4% | 0.0 pts |
Nominal raise on the offer letter
Georgia5%
Tennessee5%
Gap —
After-tax raise (take-home growth)
Georgia+4.4%
Tennessee+4.4%
Gap 0.04 pts
Real raise after 3.5% CPI-U
Georgia+0.9%
Tennessee+0.9%
Gap 0.04 pts
Tax drag on the raise
Georgia0.6%
Tennessee0.6%
Gap 0.04 pts
Annual take-home gain
Georgia$3,268
Tennessee$3,518
Gap $250
Break-even nominal raise
Georgia4%
Tennessee4%
Gap 0.0 pts
Salary and raise bands
Real raise percentages for the same pair across published salary levels and raise sizes.
$60,000 · 5% raise
- Georgia
- +1.2%
- Tennessee
- +1.2%
Effectively tied
$75,000 · 5% raise
- Georgia
- +0.7%
- Tennessee
- +0.8%
Effectively tied
$100,000 · 5% raise
- Georgia
- +0.9%
- Tennessee
- +0.9%
Effectively tied
$150,000 · 5% raise
- Georgia
- +0.9%
- Tennessee
- +1.0%
Effectively tied
$100,000 · 3% raise
- Georgia
- -0.8%
- Tennessee
- -0.8%
Effectively tied
$100,000 · 10% raise
- Georgia
- +5.1%
- Tennessee
- +5.2%
Tennessee ahead by 0.07 points
Why the offer shrinks
Raise dollars are taxed at your marginal federal rate plus employee Social Security and Medicare, then state income tax where it applies. That is the tax drag column.
Why CPI is national
BLS CPI-U +3.5% (12 months ending June 2026) is applied to both states so the ranking isolates state tax. Metro rent and insurance differences belong to the relocation tools.
Key takeaways — Georgia vs Tennessee
- Georgia and Tennessee turn the same 5% raise on $100,000 into about the same +0.9% of real purchasing power.
- Georgia ranks #22 of 50 on real raise; Tennessee ranks #6 (#1 = most purchasing power kept).
- After tax alone (before inflation), the raise grows take-home by +4.4% in Georgia and +4.4% in Tennessee — about a 0.04-point gap.
- Tax drag differs by 0.04 points and take-home gain by $250 a year on the same $100,000 offer.
- The smallest nominal raise that still grows real purchasing power is about 4% in Georgia and 4% in Tennessee.
- Figures use the same single-filer engine and national CPI-U for both states — only the state income tax on the raise dollars differs.
Georgia vs Tennessee real raise in 2026
A raise offer letter and a raise in your bank account are two different numbers. This page runs a 5% raise on $100,000 through the same single-filer engine used across this site, then adjusts the after-tax result for national CPI-U, so Georgia and Tennessee are comparable side by side.
Georgia and Tennessee land in a near-tie here. Filing status, dependents, and any local wage tax can still create a real-world gap this vignette does not show.
Read the ladder for the exact dollar and percentage steps, then the salary/raise bands if your own offer is a different size.
Why the tax wedge differs between Georgia and Tennessee
Federal income tax and employee Social Security and Medicare apply the same way in every state. The gap you see here comes entirely from state income tax on the raise dollars.
On this vignette, Georgia loses about 0.6% of the 5% offer to tax drag, leaving an after-tax raise near +4.4%. Tennessee loses about 0.6%, leaving +4.4%.
Progressive state brackets on a mid-career raise usually create a larger wedge than a flat rate or no wage income tax — but payroll taxes narrow that gap at lower incomes.
Turning the after-tax raise into a real raise
Real raise % = ((1 + after-tax raise %) ÷ (1 + inflation %)) − 1, using the same national CPI-U figure for both states so the comparison isolates state tax.
That converts Georgia's after-tax raise of +4.4% into a real raise of +0.9%, and Tennessee's +4.4% into +0.9% — both smaller than the headline 5% offer.
A raise that clears the tax wedge can still be a real pay cut once inflation is applied — check the break-even row before treating any nominal number as a win.
How the Georgia vs Tennessee gap moves across salary and raise size
At $60,000 · 5% raise, the real-raise gap is 0.01 points (effectively tied). At $100,000 · 10% raise, it is 0.07 points (favoring Tennessee).
Higher salaries push more of a raise into higher brackets, which can widen or narrow the state gap depending on how progressive each state's schedule is.
Match the row to your own offer size before quoting a single “real raise” percentage — a $60k raise and a $150k raise can tell different stories in the same two states.
Concepts to know for this comparison
Short definitions so the scoreboard numbers map to real paycheck math.
Nominal vs after-tax vs real
Nominal is the offer-letter percentage (5% here). After-tax is the growth in take-home once federal, state, and FICA are applied. Real subtracts inflation from the after-tax figure.
Tax drag
Nominal raise minus after-tax raise. Georgia: about 0.6%. Tennessee: about 0.6%.
Break-even raise
The smallest modeled nominal raise (0.1% steps) that still produces positive real growth: about 4% in Georgia and 4% in Tennessee at $100,000.
Why CPI-U is the same for both states
We apply 3.5% national CPI-U to both Georgia and Tennessee so any gap you see is state tax, not a different inflation assumption. Metro-specific cost of living is a separate question.
Myths vs facts — Georgia vs Tennessee
"A 5% raise is worth 5% in either state."
Not after tax and inflation. Georgia nets about +0.9% real; Tennessee nets about +0.9% — both below the nominal offer.
"The state with no wage income tax always wins."
On this vignette the two states are effectively tied, so other factors — filing status, dependents, local wage tax — decide the real-world answer.
"Tax drag and real raise are the same thing."
Tax drag only measures what the tax wedge removes. Real raise also removes inflation's bite on whatever survives the tax wedge — the two numbers answer different questions.
"If the after-tax raise beats last year's CPI, I'm ahead."
You need to compare against the current CPI-U figure, not last year's. A raise that cleared inflation a year ago can lag once a new CPI reading is published.
Who this Georgia vs Tennessee page helps
Useful if…
- •Workers weighing a raise or counteroffer between Georgia and Tennessee.
- •Anyone who wants a shareable real-raise percentage instead of the nominal offer.
- •Remote employees deciding which state to base payroll in for a raise-heavy year.
- •People separating tax drag from inflation drag before negotiating.
Use a fuller model if…
- •You need married filing jointly, dependents, or itemized deductions — use the US paycheck calculator.
- •You need a city wage tax (for example NYC) folded into the default vignette.
- •You need metro-specific cost of living instead of national CPI-U.
- •You are ranking total household tax burden, not paycheck purchasing power — use the household tax hub.
Common mistakes reading this pair
- Quoting the nominal raise percentage as if it were the real gain.
- Comparing after-tax raises without adjusting for inflation.
- Assuming a no-wage-tax state automatically wins at every salary and raise size.
- Ignoring FICA, which applies the same in both states and eats part of every raise.
- Using the $100k / 5% vignette for a very different salary or raise size without checking the bands table.
Georgia vs Tennessee checklist
Before treating this raise comparison as a job or relocation decision.
- 1Confirm the offer size — this page uses $100,000 and a 5% raise; check the bands table if yours differs.
- 2Compare after-tax raise (+4.4% vs +4.4%) before applying inflation.
- 3Apply the same CPI-U figure to both offers so the comparison isolates state tax.
- 4Check the break-even raise for each state before assuming any nominal number is a real gain.
- 5Re-run with your filing status in the US paycheck calculator for a personal figure.
- 6Separate this paycheck comparison from housing, sales tax, and property tax before calling a move worth it.
Georgia vs Tennessee raise FAQs
Neither — both keep about +0.9% of real purchasing power on a 5% raise at $100,000 after tax and 3.5% CPI-U.
Georgia: $74,190 → $77,458 (+$3,268). Tennessee: $79,180 → $82,698 (+$3,518).
Tax drag is the nominal raise minus the after-tax raise. Georgia loses about 0.6% of the 5% offer and Tennessee about 0.6%, leaving after-tax growth of +4.4% and +4.4%.
No. A 3% raise at $100,000 produces about +2.6% after tax in Georgia and +2.7% in Tennessee — both below 3.5% CPI-U, so the real raise is -0.8% and -0.8%.
On a 0.1%-step scan at $100,000, real growth turns positive around 4% nominal in Georgia and 4% in Tennessee.
$60,000: effectively tied; $75,000: effectively tied; $100,000: effectively tied; $150,000: effectively tied.
Federal income tax and employee Social Security and Medicare are identical in both. The difference in this comparison comes from state income tax on the raise dollars.
BLS CPI-U +3.5% (12 months ending June 2026) — the same national figure for both states, so the comparison isolates state tax. Core inflation (BLS CPI-U less food & energy +2.6% (12 months ending June 2026)) is context only.
No. This is paycheck purchasing power against national CPI. Household levies live on the household tax, sales tax, and property tax hubs; metro cost differences belong to the relocation tools.
Yes — run your current and new salary through the US paycheck calculator, then apply the same real-wage adjustment. This ranking is single filer with the standard deduction.
It can change. At $60,000 · 5% raise the gap is 0.01 points; at $100,000 · 10% raise it is 0.07 points favoring Tennessee. Match the row to your own offer before quoting a single number.
Tax drag differs by about 0.04 points between the two states — that is the after-tax gap (0.04 points) before CPI-U is applied. The remaining difference in the real-raise gap (0.04 points) comes from applying the same national inflation rate to two different after-tax starting points.
Not exactly. The percentage gap (0.04 points) is inflation-adjusted; the $250 figure is the nominal annual take-home difference at $100,000 before adjusting either side for CPI-U.
Compare another pair
Compare any two states
Real raise on a 5% offer at $100,000, after tax and 3.5% CPI-U.
Related tools
Real raise by stateAll 50 states ranked by real raisePay raise calculatorGross raise dollars per paycheckInflation-adjusted salaryCPI history for any salary$100k take-home by statePaycheck ranking in dollarsEffective tax rate by stateAverage rate at four bandsUS paycheck calculatorYour filing status and salary
Single filer, standard deduction, 2026 rules, national CPI-U. Excludes local wage taxes, metro cost of living, sales tax, and property tax. Estimates, not tax advice.