Average Police Officer Salary in Memphis, TN

The average Police Officer in Memphis, TN earns $59,470 per year. See how this compares to the national average and what it means for your budget.

Average Salary
$59470
Median Salary
$64360
vs. National
22.3% below
Real Pay (COL-adjusted)
$64516

“Real pay” adjusts the average for Memphis’s cost of living (Regional Price Parity 92.179, U.S. average = 100) — what this salary is worth in national-average dollars.

What Police Officers actually earn in Memphis

The spread from entry-level (10th percentile) to top earners (90th), from BLS wage data.

10th (entry) $40550
25th $51700
Median $64360
75th $64500
90th (top) $76890

3290 Police Officers employed in the Memphis metro.

Can a Police Officer afford a home in Memphis?

Max home price under the 28% rule (housing ≤ 28% of gross), 10% down, 6.7% 30-yr rate. Median Memphis home: $157100.

Earnings levelSalaryMax homeMedian home?
Entry (10th)$40550$162921Yes
Median$64360$258585Yes
Top (90th)$76890$308928Yes

What’s this salary worth in another city?

What you earn (or want to compare)

Take-home pay for a Police Officer in Memphis

Estimated pay after federal, FICA, and TN state taxes (2026). Prefilled with the local average — adjust for your situation.

Estimate only — not tax advice. Tax year 2026, federal + FICA + state (single or married filing jointly). Excludes local/city income taxes (e.g., NYC, Philadelphia) and individual credits. See our methodology.

Memphis at a glance

Population629063
Median household income$51211
Median home value$157100
Median rent$1123/mo
Cost of living (RPP, U.S.=100)92.179
Bachelor’s degree or higher16.9%
Poverty rate22%

In Memphis, TN, Police Officers earn a median of $64,360 a year — about 16% below the U.S. median of $76,550. Among the 50 metros tracked here for this role, that ranks #39.

What that pay is worth in Memphis

Local prices run 92 on the BEA cost-of-living index (U.S. = 100), so a $59,470 salary stretches further than the sticker number — about $64,516 in national-average buying power.

Can Police Officers afford a home in Memphis?

A typical Memphis home runs about $157,100 — 2.6 times the average Police Officer salary, very affordable against the classic 3x rule of thumb. Median rent near $1,123/mo takes roughly 23% of gross pay — within the 30% comfort line.

The Police Officer pay ladder in Memphis

Entry-level (10th percentile) Police Officers earn about $40,550; the top 10% reach $76,890 — a $36,340 spread, moderate for this field. Most of that gap comes down to experience, employer, and how hard you negotiate.

The Police Officer job market in Memphis

Memphis employs roughly 3,290 Police Officers. It’s a sizable local market to build a career in.

Compare Memphis with other cities

See the full Police Officer salary by city ranking to weigh Memphis against the other metros on both pay and cost-adjusted value, or use the cost-of-living calculator to compare any two cities directly.

Frequently asked questions

How much do Police Officers make in Memphis?

The average Police Officer in Memphis, TN earns about $59,470 per year, 22.3% below the national average of $76,550.

What is the take-home pay for Police Officers in Memphis after taxes?

After federal and TN taxes, this $59,470 salary is worth about $49,964 a year - roughly $4,163 a month in take-home pay, an effective tax rate near 16%.

What do the highest-paid Police Officers earn in Memphis?

The top 10% of Police Officers in Memphis earn about $76,890 a year, versus about $40,550 for the bottom 10%.

Can Police Officers afford a home in Memphis?

A typical Memphis home runs about $157,100 - roughly 2.6x this salary, within reach by the classic 3x rule of thumb.