What Cooks, Restaurant earn in Rutherford County, TN
If you are weighing a move or a job offer, start with $38,170: the median annual pay for Cooks, Restaurant in Rutherford County, TN. Spread over a standard 2,080-hour work year, that is $18.35 an hour. Because the wage survey covers the whole Nashville-Davidson--Murfreesboro--Franklin, TN metropolitan area, the number reflects employers across the region rather than a single town or a single company.
The mean wage is $39,040, which is 2.3% above the median, so pay is spread fairly evenly. The survey counts about 10,420 people working in this occupation across the Nashville-Davidson--Murfreesboro--Franklin, TN metropolitan area, so the estimate rests on a substantial pool of workers. Rutherford County, TN has roughly 360,646 residents, according to the population figures used by the rent data.
The salary range, from entry level to top earners
Pay for Cooks, Restaurant in the Nashville-Davidson--Murfreesboro--Franklin, TN metropolitan area is not one number. The lowest-paid tenth of workers earn up to $29,360 a year ($14.12 an hour), while the highest-paid tenth earn $47,180 or more ($22.68 an hour). That is a gap of $17,820 between the bottom and the top of the scale. The middle half of workers falls between $35,560 at the 25th percentile and $44,660 at the 75th percentile. A top-tier earner makes 1.6 times what someone at the bottom makes, so experience, certification and employer all matter.
What the hourly rate looks like
Converted to an hourly wage, the median for Cooks, Restaurant in Rutherford County, TN is $18.35. A full-time schedule of 40 hours for 52 weeks adds up to $38,170, and the same salary is $3,181 a month before taxes or about $1,468 per biweekly pay period. After taxes the same job pays $15.77 per hour of take-home income, which is the number that actually has to cover rent and groceries.
About this occupation: Cooks, Restaurant
The U.S. Department of Labor's O*NET database describes the work of Cooks, Restaurant this way: "Prepare, season, and cook dishes such as soups, meats, vegetables, or desserts in restaurants. May order supplies, keep records and accounts, price items on menu, or plan menu."
Core tasks recorded by O*NET include: "Turn or stir foods to ensure even cooking"; "Season and cook food according to recipes or personal judgment and experience"; "Observe and test foods to determine if they have been cooked sufficiently, using methods such as tasting, smelling, or piercing them with utensils"; "Weigh, measure, and mix ingredients according to recipes or personal judgment, using various kitchen utensils and equipment".
Job outlook for Cooks, Restaurant
The Bureau of Labor Statistics projects national employment in this occupation to grow from 1,417,500 jobs in 2025 to 1,588,800 in 2035, a change of +12.1%, faster than the 3.5% projected for all occupations. The projection counts 218,600 openings a year on average, including positions created by growth and positions left by workers who retire or move to another occupation; that equals 15.4% of current employment each year.
Typical entry-level education: no formal educational credential. Work experience in a related occupation: less than 5 years. Typical on-the-job training to reach competency: moderate-term on-the-job training. BLS lists a national median annual wage of $37,390 for this occupation; the Rutherford County, TN median of $38,170 is 2.1% above it.
How pay in Rutherford County, TN compares
Compared with the Tennessee average
Rutherford County, TN pays above the state benchmark. The Tennessee employment-weighted average for Cooks, Restaurant is $36,551; the local median of $38,170 beats it by $1,619, or 4.4%. Within Tennessee, Rutherford County, TN already has the highest median we track for this job.
Compared with the national average
Nationally, Cooks, Restaurant earn an employment-weighted average of $38,193 across the contiguous United States, so $38,170 in Rutherford County, TN is essentially average. 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 Rutherford County, TN
Among the 532 occupations with published wages in Rutherford County, TN, Cooks, Restaurant ranks number 470 by median pay, ahead of about 12% of them. The best-paying occupation we track here is Financial Managers at $156,860 a year, which is $118,690 more than the median for Cooks, Restaurant.
From gross pay to take-home pay
A salary of $38,170 does not arrive in full. We model a single filer with wage income only, the standard deduction and tax-year 2025 rules, and we keep the three tax layers apart: federal income tax, FICA (Social Security and Medicare) and state income tax. Together they take $5,372 a year, which leaves $32,798, or $2,733 a month.
Put another way, of every $100 earned, about $14 goes to taxes and $86 reaches the paycheck. The overall effective tax rate is 14.1%.
Federal income tax
After the $15,750 standard deduction, taxable income is $22,420. 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 12% bracket. The resulting federal income tax is $2,452, an effective 6.4% of gross pay, well below the 12% 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 $2,367 on this salary. Medicare takes 1.45%, or $553. FICA totals $2,920, which is 7.6% of gross pay.
State income tax in Tennessee
There is no state income tax on wages in Tennessee, which means Cooks, Restaurant in Rutherford County, TN keep the full $32,798 left after federal and payroll taxes. For scale, a hypothetical flat 5% state tax on this salary would cost about $1,909 a year, so the absence of a state tax is worth roughly $159 a month.
A cross-check with IRS data for Rutherford County, TN
IRS Statistics of Income data for Rutherford County, TN show an average adjusted gross income of $76,322 per return and an average effective federal income tax rate of 11.8% across all filers. Filers in the $25,000 to under $50,000 bracket, where this salary falls, paid an average of 5.5%, compared with the 6.4% 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 Rutherford County, TN
Take-home pay only means something next to what life costs. We price four basics for one adult in Rutherford County, TN: a one-bedroom apartment, food, home energy and gasoline. All of them are converted to annual figures first, then compared with the $32,798 of take-home pay.
Rent
The HUD Fair Market Rent for a one-bedroom apartment in Rutherford County, TN is $1,650 a month, or $19,800 a year. A two-bedroom costs $1,798 a month. For Cooks, Restaurant, a one-bedroom absorbs 60.4% of take-home pay and 51.9% 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 9.0% of gross pay for Cooks, Restaurant in Rutherford 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
Add the four basics together and living costs come to $26,395 a year, 80% of take-home pay. That leaves $6,403 a year, or $534 a month, for savings, transportation beyond fuel, health care, debt and everything else. That margin equals 16.8% of gross pay, a workable but modest cushion.
Local housing and commute data for Rutherford County, TN
The budget above covers rent, food, energy and gasoline. Three more local facts shape what a paycheck buys in Rutherford 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 Rutherford County, TN, set beside the Tennessee and national medians.
Property taxes in Rutherford County, TN
Homeowners in Rutherford County, TN pay a median of $1,839 a year in real estate taxes, 28% above the Tennessee median of $1,442 and 41% below the U.S. median of $3,119. Against a median home value of $382,600, the median tax bill is 0.48% of that value (the ratio of the two county medians). For a worker paid the local Cooks, Restaurant median of $38,170, a tax bill of that size would equal 4.8% of gross pay, which matters for anyone planning to buy rather than rent.
Rents, home prices and household income in Rutherford County, TN
Renters in Rutherford County, TN pay a median gross rent of $1,502 a month in the Census survey, 26% 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 $382,600, 33% above the Tennessee median of $286,700. Median household income is $85,470, 23% above the Tennessee median of $69,595, so a year of one-bedroom Fair Market Rent equals 23.2% of that income.
Commuting in Rutherford County, TN
Workers in Rutherford County, TN who travel to a workplace spend an average of 28.1 minutes each way, 9% above the Tennessee average of 25.7. For someone who commutes five days a week, that is 4.7 hours of round-trip travel every week, a cost the budget does not price. 15.0% of workers in Rutherford County, TN work from home, compared with 15.1% nationally, which removes the commute for them.
Can Cooks, Restaurant afford to live in Rutherford 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 $38,170 that ceiling is $954 a month. The one-bedroom Fair Market Rent of $1,650 is $696 over it, so rent breaks the guideline. Put as a wage, covering a one-bedroom at the 30% guideline takes $31.73 an hour; the median for Cooks, Restaurant is $18.35, which is 42% below that mark. Another way to see it: at $15.77 of take-home pay an hour, a one-bedroom takes about 24.1 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 $15,415.
How fast you can save
At $534 a month of margin, building a $10,000 emergency fund would take about 19 months. Setting aside half of the margin stretches the same goal to about 38 months. These figures ignore interest, raises and any spending beyond the four basics.
Frequently asked questions about Cooks, Restaurant pay in Rutherford County, TN
What is the hourly wage for Cooks, Restaurant in Rutherford County, TN?
The median is $18.35 per hour, based on $38,170 a year over 2,080 hours. Hourly pay runs from about $14.12 at the 10th percentile to $22.68 at the 90th percentile.
What is the take-home pay for Cooks, Restaurant in Rutherford County, TN?
After federal income tax, FICA, the median salary of $38,170 becomes $32,798 a year. That is $2,733 a month, $1,261 every two weeks or $631 a week.
What percentage of pay goes to taxes for Cooks, Restaurant in Rutherford County, TN?
Total taxes are $5,372 a year, an effective rate of 14.1%: $2,452 federal income tax, $2,920 FICA and no Tennessee income tax.
Is pay for Cooks, Restaurant in Rutherford County, TN above the Tennessee average?
Yes. The local median of $38,170 is +4.4% versus the Tennessee average of $36,551, a difference of $1,619 a year.
Is a one-bedroom rent affordable on the median Cooks, Restaurant salary in Rutherford County, TN?
A one-bedroom costs $1,650 a month against take-home pay of $2,733, which is 60.4% of take-home pay. That does not meet the 30%-of-gross guideline, which allows up to $954 a month.
How much is left after rent, food and energy for Cooks, Restaurant in Rutherford County, TN?
About $534 a month ($6,403 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 Rutherford 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 Cooks, Restaurant is $18.35.
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.