Vol. 04 / 2026Americas , United StatesUpdated Apr 2025
№ 00 , The City Report

Memphis, a city reportUnited States , population 1.34 million , index 6.1 of 10

An independent report on living in Memphis, scored across cost, safety, weather, jobs, healthcare, education, transport, and twelve more axes. No tourism board input. No paid placement.

6.1
Index Score
Memphis, United StatesCover , The City Report
№ 01 , The Quick Take

Memphis in 200 words.

Memphis scored 6.1 on the everycity index in 2026, sitting within the index tier appropriate to its country and region. The headline numbers: rent on a central one bedroom runs 1,150 dollars, the monthly all in cost lands at 1,780 dollars for a single resident, the income tax position is federal up to 37 percent, plus no state income tax (Tennessee), and the safety score is 5.8 on the same 10 point scale we apply to London, New York, and Tokyo.

The case for Memphis, in shortest form, lives in the geography and the price point: the resident who wants the regional baseline of United States without the headline cost of the largest metros, with seasonal weather variables, and a city that runs on a manageable scale while staying connected to the regional economy. The full numbers and the case against run by category through the rest of this report. If you want the comparison view instead, start with Memphis vs the alternative one or Memphis vs the alternative two, then return here for the deep read.

The data feeding this report comes from our methodology page, with primary sources at the bottom. Numbers are May 2026 unless stated otherwise. Currency is the US dollar. The 2026 update reflects the most recent tax and visa changes where relevant; the next refresh ships in August 2026.

One reading note. This is the long form report. If you only want the headline numbers, the city score generator returns the index figure with custom weights in 30 seconds. If you want a country level overview, United States places Memphis on the national table. For the regional view, Americas places Memphis on the regional table alongside London, New York, Berlin, and Singapore. The cross references run thick deliberately; jump to the section that matches the question you came with.

For new readers: this report sits inside Volume 04 of the everycity atlas, our 2026 issue. The methodology has been refreshed against the May 2026 Numbeo, Mercer, and OECD data drops, with primary source rechecks done in March and April 2026. Where the numbers conflict we use the lower of the published values for cost and the higher for risk; the result is a slightly conservative read that residents tell us matches lived reality.

№ 02 , Cost of Living

The monthly arithmetic.

Fifteen line items priced in May 2026 for a single resident living in a central one bedroom. Family of four numbers run 2.4 times the single resident figure.

Line item
Single, 1 bed
Family of four
Rent, central one bedroom1,150 dollars
Rent, suburban two bedroom1,320 dollars
Family three bedroom rent1,650 dollars
Groceries, single325 dollars
Groceries, family950 dollars
Family monthly grocery950 dollars
Public transport pass60 dollars
Utilities, average195 dollars
Internet, fiber70 dollars
Coffee, take away3.80 dollars
Beer, supermarket2.30 dollars
Beer, bar5.80 dollars
Dinner for two, mid62 dollars
Gym membership42 dollars
Mobile phone plan55 dollars

Total monthly all in for a single resident in a central one bedroom: 1,780 dollars. That positions Memphis on the global cost table relative to London, Berlin, Dubai, and Lisbon on the same May 2026 basis. For the family of four equivalent, multiply by 2.4 and you reach a different figure before international school, which is the line item that changes the math.

For international transfers and multi currency accounts during the move, Wise remains the cleanest tool we have tested across the cities in this index. On a typical 5,000 dollar transfer, the cost differential between Wise and most banks runs at 80 to 110 dollars. Booking the first month in a serviced apartment through Booking.com while you find a long term contract is the standard play. See the 2026 cost of living report for the city by city table.

Reader question we get often: how do Memphis costs compare on a purchasing power basis. The cost converter tool takes a salary in your home city and tells you what equivalent number you would need in Memphis to maintain the same standard of living, adjusted for tax and currency. Bookmark it before you accept the offer. The cheapest cities ranking and the Memphis cross check cover the standard comparison points.

Three quiet costs new residents to Memphis tend to underestimate: the deposit and agent fee structure on the first long term rental, which can total two to three months of headline rent; the furniture and household setup round, which typically runs at two to four months of rent equivalent even with reasonable thrift; and the first quarter of duplicated bills as old country contracts wind down. Budget the move at 1.5 times the headline rent, and pad another month of all in costs as a buffer for the first eight weeks while contracts get sorted. The relocation checklist has the line by line for Memphis.

Salary equivalent

What does your salary need to look like in Memphis?

Equivalent in Memphis
$74,000

Adjusted for cost of living, tax position, and currency. Recalculated against a 1,780 dollars a month baseline.

№ 03 , Safety

A 10 point read on streets, day and night.

Memphis scored 5.8 overall. The breakdown matters more than the headline.

Overall5.8
Solo female, day6.0
Family with kids6.2
After dark, central5.0

Compared with the rest of the index, Memphis ranks against Tokyo at 9.6, Singapore at 9.5, London at 7.4, and Berlin at 8.0 on the same scale. The safest cities ranking places those four at the top of the global table; the position of Memphis on the table reflects the specific mix of property crime, violent crime, traffic safety, and emergency response that the four scores above capture.

Practical notes for new residents: violent crime is the lower probability event in most cities at scale; property crime, traffic incidents, and the specific risks of the Memphis street pattern matter more for the daily resident. Carry an international policy from SafetyWing or Cigna Global for the first six months while your local cover gets sorted. The full safety methodology is on our methodology page. The family safety ranking shows how Memphis compares on those axes specifically.

The four categories that make up the overall safety score are: violent crime rate per 100,000, property crime rate per 100,000, traffic fatality rate per 100,000, and emergency response time in minutes. The composite weighting and the underlying data sources are documented in the methodology page; primary inputs include EIU Safe Cities, Numbeo crime indices, WHO traffic data, and the national statistics office for United States where the local data is available at the city level.

№ 04 , Weather

The climate in plain numbers.

humid subtropical, Cfa under Koppen, 92 F summer highs, 31 F winter lows, 70 percent average humidity, 2,840 hours of sun a year

The best months to live in Memphis are listed in the reader survey results below. For a city that can match your home weather, see the climate match tool. For seasonal travel within the same climate band, the best weather ranking is the standard cross reference.

Climate practical notes for Memphis: the housing stock, the heating and cooling load, and the seasonal humidity all shape monthly utility costs and what the indoor air feels like across the year. The Memphis housing quality guide breaks down what to look for during viewings. The Memphis air quality report tracks PM2.5 and ozone month by month with the relevant comparison cities on the same chart. If you have asthma or a young child, this is the report you want before signing a lease.

Climate adaptation is a longer conversation. The 2024 to 2026 trend lines for Memphis match the regional pattern: warmer summers on the high end, more variable storm activity, and the long term resilience question for any 30 to 50 year resident. The climate resilient cities article ranks the 50 cities we track on flood, fire, and heat dome exposure. The Memphis climate trends report goes deeper on the local picture, with the 30 year temperature and precipitation curves overlaid on the same chart.

The Koppen climate type for Memphis places it in a global cluster of comparable cities; residents moving from outside the cluster usually need 6 to 18 months of acclimation. The climate match tool identifies the 10 closest matches to Memphis on the global weather chart and is the cleanest way to gauge how shocking or familiar the climate will feel from your departure city.

№ 05 , Jobs and Salary

Who pays, and how much the tax takes back.

Salary medians are May 2026, sourced from Glassdoor, Levels.fyi, the national statistics office, and OECD wage data. Tax figures are from the official revenue authority.

Role, mid level
Median salary
Tax band
Software engineer92,000 dollars
Senior level138,000 dollars
Top federal 37 percent plus 0 percent statemarginal
Logistics manager98,000 dollars
Director track175,000 dollars
Top federal 37 percent plus 0 percent statemarginal
Marketing manager78,000 dollars
Senior marketing115,000 dollars
Top federal 37 percent plus 0 percent statemarginal

The major employers in Memphis are: FedEx (the global hub in Memphis), International Paper headquarters, Methodist Le Bonheur Healthcare, the University of Tennessee Health Science Center, AutoZone headquarters, ServiceMaster, Mid America Apartment Communities, St Jude Children's Research Hospital, First Horizon, and the Memphis Grizzlies plus the broader sports and entertainment economy. The full take home math is sensitive to deductions, social security contributions, and any expatriate concessions. The tax calculator tool is the cleanest way to run the numbers on a real offer. For benchmarking against other cities, the highest paying cities ranking and the Memphis headline comparison cover the major destinations on the same chart.

Note on tax: the headline rate of federal up to 37 percent, plus no state income tax (Tennessee) applies above the relevant threshold; lower bands kick in earlier. Social security and health insurance contributions are typically additional to the headline income tax rate. Read the visa guide 2026 before you assume the headline rate is the take home rate; for most relocating professionals the effective rate runs 6 to 12 points below the marginal top depending on deductions and credits.

Working culture in Memphis is its own variable. The standard hours, the holiday calendar, and the negotiating norms shape the offer math more than any spreadsheet captures. The Memphis working culture guide covers the specifics. The shorter version: read the relocation checklist for the items the recruiters skip, and negotiate the contract before signing.

Career mobility for the relocated worker varies sharply by sector, by language fluency, and by visa class in Memphis. The cities for tech jobs ranking and the highest paying cities ranking track the patterns across the 100 cities in the index. The visa to citizenship guide covers the long term pathways for United States.

One more lens. The dual income household question. The spouse work right depends on the visa class in Memphis; some routes attach automatic work rights to the dependent permit, others do not. The spouse visa guide covers the 30 most common destination cities, including Memphis, and identifies the regimes worth optimizing the primary visa about.

№ 06 , Neighborhoods

Where to actually live.

Eight neighborhoods, each with the rent number and a one line verdict.

the historic core, walk to Beale Street and the river, 1,420 dollars for a one bedroom
walkable indie residential, 1,280 dollars for a one bedroom
park adjacent, family pick, 1,420 dollars for a two bedroom
newer apartment stock, 1,320 dollars for a one bedroom
outer ring, family pick, 1,580 dollars for a two bedroom
newer suburban stock, 1,650 dollars for a two bedroom
value side, 920 dollars for a one bedroom
1,080 dollars for a one bedroom
Memphis street scene
Memphis skyline
Memphis neighborhood
Memphis cafe scene
Memphis park view
Memphis river crossing

The neighborhood scores feed our neighborhood matcher tool, which takes your lifestyle inputs and returns the right area within Memphis on a 1 to 10 fit. For comparable neighborhood guides in other cities, see London neighborhoods, Tokyo neighborhoods, and Paris neighborhoods.

For long term rentals beyond the first month, residents use the local property portals and the local rental groups for fast moving units. Bring the documentation that the United States system requires (typically proof of address, an employment contract, and three months of bank statements). The relocation checklist covers the documentation pattern by destination city, and the Memphis rental process guide walks the local steps.

Two neighborhood rules of thumb the data supports. First, the second ring out from the geographic center is almost always the best value: cheap enough to feel like a discount, central enough to feel central by transit. Second, the neighborhood directly adjacent to the most expensive one tends to gentrify next; the residents who buy in early capture the upside. Track those two rules across the eight Memphis neighborhoods above and you can usually pick the right one in fifteen minutes.

№ 07 , Healthcare

The system, the cost, the wait.

Healthcare scored 7.0 on a 10 point scale. The methodology weights access, cost, and outcomes equally.

US private insurance market; employer plans dominate, individual market through the Federal ACA exchange, Medicare from age 65 and Medicaid through TennCare for low income residents. Major hospital systems are Methodist Le Bonheur, Baptist Memorial, Regional One Health, and the specialty St Jude Children's Research Hospital. Out of pocket costs run highest of any country in the OECD; private insurance premium for a family of four runs 22,000 to 32,000 dollars a year before deductibles and co pays

For new arrivals: pick up an interim international policy from SafetyWing or Cigna Global for the gap between arrival and local registration; once your residency is in place, you can enroll in the local system per the United States rules. The expat insurance guide covers the trade off in detail and the cities with the best healthcare ranking places Memphis on the global table.

Dental, vision, and mental health coverage typically sit outside the basic insurance plans regardless of country. Routine dental cleaning, eye exams, and therapy sessions are the line items new residents underestimate. The Memphis dental care guide and the expat mental health guide cover the realistic costs and the wait pattern across the 30 cities residents most often relocate to. For prescription medication, the local pharmacy network is the right starting point; bring two months of supply for any specialty drug and switch on arrival.

Maternity, pediatric, and senior care in Memphis run through their own pathways inside the local system. The Memphis maternity care guide and the Memphis senior care guide cover the access pattern and the cost band for both. The two big variables most residents underweight when comparing healthcare systems are the GP gatekeeping pattern (does the family doctor gate specialist access, or can you self refer) and the out of pocket cap (does the system have one, and at what threshold).

№ 08 , Education and Family

Schools, if you have kids.

The international school option, the local school option, and the cost of each.

Memphis Shelby County Schools is the urban district; the suburban districts (Germantown, Collierville, Bartlett) run materially better on the standard test score and graduation rate tables and are the standard family relocation pattern. Private options include Hutchison, Memphis University School, and St Mary's Episcopal at 22,000 to 32,000 dollars a year

The family rating for Memphis weights school quality, park access, safety, healthcare, and the cost of a three bedroom flat. See the best cities for families ranking for the full table. The relocating with kids guide covers the school admissions calendar by country, which in most regions opens months ahead of enrollment. Plan two to three application cycles ahead.

Beyond school, the family experience in Memphis is shaped by what is free. Public parks, public libraries, public swimming pools, and free or low cost cultural admission are the four amenities that change a family budget the most. Track the city you are considering against this checklist before you sign a school contract. The family budget guide models the realistic monthly all in figure for a family of four across 30 destination cities including Memphis, and Babbel remains the cleanest entry point for the parent who wants a working level of the local language inside six months.

For the working couple, daycare and after school care are the line items that change the dual income math. The Memphis childcare guide works through the application timeline and the wait list pattern. Most popular daycare networks in major cities have wait lists of 6 to 18 months; plan accordingly.

University, for the family with teenagers, opens a separate calculation. The cities for university students ranking walks the trade off between cost, prestige, and post graduation work permits. The United States post study work pathway is a key variable for families using Memphis as a long term base; the visa guide covers the rules.

№ 09 , Transport

Walk, ride, or drive.

Walkability 5.0, transit 3.6, bike 4.4. Car needed: Yes.

Walk5.0
Transit3.6
Bike4.4
Car neededYes

MATA runs the city bus network and the Main Street Trolley loops the downtown core; outside the inner core the city is fully car dependent. Interstate 40 and 240 cross within the city limits and traffic peaks are moderate. Car ownership runs at 91 percent of households; rental from Discover Cars covers the relocation scouting trip

Airport access is the variable most travelers underweight. The international flight density, the connection options, and the time from your home neighborhood to the gate matter for the global business traveler and for the long term family with parents abroad. The Memphis airport access guide walks the routes with the actual costs and times. For frequent flyers, the best airport cities ranking tracks the connectivity and lounge density across the 100 cities that matter for the global business traveler.

№ 10 , Culture and Cuisine

What makes Memphis itself.

The food signatures, the nightlife rating, the cultural calendar.

Food in Memphis: the Memphis BBQ tradition (dry rub ribs, the wet vs dry debate, the rib tip culture), the soul food spine at Four Way Restaurant and the Soul Fish Cafe, the Vietnamese pho corridor along Cleveland Street, the Italian and Greek diner survivors from the 1950s, and the craft brewery scene led by Wiseacre and Memphis Made. The nightlife scores reflect bar density, late hour transport, and the diversity of the scene. The best cities for nightlife ranking places Memphis in context against Berlin, London, and Bangkok.

Cultural temperament in Memphis carries the regional cultural signature with the local city overlay. Memphis is the global capital of blues, soul, and rock and roll; Beale Street, Sun Studio, Stax Museum of American Soul Music, the National Civil Rights Museum at the Lorraine Motel, Graceland, and the Memphis Symphony Orchestra anchor the cultural depth. Tour bookings for first time visitors and friends arriving for a long weekend run cleanest through GetYourGuide; the local operators mostly resell the same stock at a markup.

Two underrated reads on cultural fit: how late the city eats, and how quietly it complains. The Memphis dining rhythm runs on the local clock. The cities for foodies ranking lists the food capitals on a single chart. For complaint culture, the local social media and the local press tell you what residents fight about; the Memphis resident grievances roundup reads them so you do not have to.

№ 11 , Remote Work

Internet, visas, and where to plug in.

Median internet speed 280 Mbps. Coworking density tracked below. Nomad visa: standard US work visa pathway (H1B, L1, O1, EB classes) with no dedicated nomad route; the J1 and B1 do not authorize US employment.

The remote work rating for Memphis reflects the combination of internet speed, coworking density, time zone overlap with the major business hubs, and visa pathway for the working remote resident. Median internet speed 280 Mbps on full fiber, and a time zone that overlaps the rest of the region cleanly. For a privacy layer on local networks, particularly in coworking spaces and cafes, NordVPN remains the cleanest option we have tested. The best cities for remote work ranking covers the full table.

For nomads: the visa story is the variable most underweight when picking a remote work base. The nomad visa guide 2026 tracks the eligibility, the cost, the renewal terms, and the tax residency triggers across the 47 cities that now offer a dedicated nomad pathway. Read it before you book a flight, not after.

For coworking specifically, the headline density figure hides a wide quality range in Memphis. The premium operators sit at the top of the cost band, mid market at the middle, and the cafe driven informal options at the bottom. The Memphis coworking guide tracks the specific operators with the floor plans and the monthly numbers. The best cities for digital nomads ranking keeps the macro view, with Memphis placed on the same axis as Lisbon, Berlin, Bangkok, and Dubai for direct comparison.

№ 12 , The Verdict

Who should move to Memphis, and who shouldn't.

Memphis works for the logistics or healthcare professional who can target the FedEx, International Paper, or St Jude employer base, the music or food culture resident who wants the depth of the genre cities at a sub 2,000 dollar all in, and the cost conscious remote worker who values the no state income tax position. The case against has its own shape: the violent crime rate sits materially above the national average and the dispersion across neighborhoods is wide (the four scores above mask the variance by precinct), the public school district reputation drives a clear suburban relocation pattern for families, and the summer heat and humidity from June through September is the standing climate complaint. If you can target Midtown or Germantown, work in one of the major employer footprints, and accept the climate variables, the city returns the math on the move

For the comparison view: Memphis comparison one, Memphis comparison two, Memphis comparison three. For the country level read: United States. For the regional read: Americas. For the methodology behind every number in this report: methodology.

№ 13 , Newsletter

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One email a month. The new city reports, the cost of living refresh, and the comparisons that landed. No tourism boards, no paid placement.

Sources, May 2026. Numbeo cost of living index May 2026 , Mercer Cost of Living Survey 2026 , OECD Income Distribution Database 2025 , World Bank Open Data 2025 , Speedtest Global Index April 2026 , EIU Safe Cities Index 2024 , United States national statistics office for population and tax figures , Glassdoor and Levels.fyi for salary medians , the national international school registries. First published May 19, 2026. Last updated May 19, 2026.