The Salary Index
Salary data is based on the Knoxville, TN metropolitan area and applied to Knoxville using local cost-of-living adjustments.

Ophthalmologists Salaries in Knoxville, TN

Average Base Pay

$195,636/yr

3% below national average

Monthly

$16,303

Hourly

$94

Cost Index

86

Ophthalmologists in Knoxville, TN earn an average of $195,636 per year, with most salaries falling between $156,509 and $234,763 depending on experience, employer, and specialization. At 3% below the national average, Knoxville offers a more modest rate for this role, in part reflecting a local cost of living index of 86. For professionals evaluating a move or negotiating an offer, the headline salary is only part of the picture—what matters most is how far that income actually goes once taxes, rent, and daily expenses are factored in. The sections below break that down in full for Knoxville.

Salary Range

The chart below shows the full compensation spectrum for this role, from entry-level to senior positions. The highlighted center bars represent the 25th–75th percentile band where most professionals are paid.

$147K
Low
$196K
Median
$245K
High
25th percentile: $166K75th percentile: $225K

About Ophthalmologists

Physicians diagnose and treat illnesses, injuries, and medical conditions across a wide range of specialties. General practitioners and family medicine physicians manage undifferentiated health problems and chronic conditions for patients of all ages, serving as the primary point of care and coordinating specialist referrals. Internists focus on adult medicine and often subspecialize in areas such as cardiology, gastroenterology, oncology, or pulmonology. Surgeons perform operative procedures to treat conditions ranging from appendicitis and cancer to orthopedic injuries and heart disease. Psychiatrists diagnose and treat mental health conditions using medication management and psychotherapy. Emergency physicians manage acute and life-threatening conditions in high-acuity settings. Pediatricians care for infants, children, and adolescents. Pathologists diagnose disease through laboratory analysis of tissue, blood, and other specimens. Radiologists interpret medical imaging studies. The educational pathway requires four years of medical school following a bachelor's degree, three to seven years of residency training, and often additional fellowship training in a subspecialty. Physicians are licensed by state medical boards and must maintain board certification through continuous medical education and periodic examinations.

What Ophthalmologists Do

  • Obtain patient history and perform physical examinations
  • Diagnose conditions based on clinical findings and diagnostic test results
  • Develop and implement individualized treatment plans
  • Prescribe medications and therapies
  • Order and interpret diagnostic tests including laboratory studies and imaging
  • Perform procedures appropriate to specialty
  • Coordinate care with specialists, nurses, and allied health professionals
  • Maintain accurate medical records and complete documentation

Key Skills & Qualifications

  • Clinical assessment and diagnostic reasoning
  • Medical knowledge across pathophysiology, pharmacology, and treatment
  • Procedure-specific technical skills relevant to specialty
  • Patient communication and shared decision-making
  • Interpretation of laboratory and radiographic data
  • Electronic health record documentation
  • MD or DO degree, residency completion, and board certification
  • Medical licensure in state(s) of practice

Career Path

  1. Medical Student
  2. Resident Physician
  3. Attending Physician
  4. Subspecialty Fellow
  5. Department Chief / Medical Director

Ophthalmologists Market in Knoxville, TN

Salary Competitiveness

Knoxville salaries for Ophthalmologists track closely with the national median, diverging by less than 4%. This alignment suggests a competitive but balanced local market—employers are broadly in step with national pay scales, which can make benchmark comparisons more reliable when negotiating.

Cost of Living Impact

Knoxville's cost of living runs below the national average, which works in favor of this salary. Essential monthly expenses account for approximately 19% of take-home pay—a ratio that leaves meaningful room for savings, debt reduction, and discretionary spending compared with higher-cost metros.

Effective Purchasing Power

After adjusting for local taxes and cost of living, a Ophthalmologists earning $195,636 in Knoxville reaches a strong purchasing-power position. The effective standard of living this income supports is materially higher than the gross number alone implies—a useful data point for professionals comparing offers across metro areas.

vs. National Avg

-3%

Cost Pressure

19%

Purchasing Power

Strong

Take-Home Pay Calculator

Enter any gross salary to see how federal and state taxes affect your actual take-home pay, broken down by year, month, and week. Results use an estimated effective tax rate of 27% based on this location and income level.

$
Take-home (73%)Taxes (27%)

Annual Net

$142,814

Monthly

$11,901

Weekly

$2,746

Eff. Tax Rate

27%

A gross salary of $195,636 for a Ophthalmologists in Knoxville translates to roughly $11,901 in monthly take-home pay after estimated federal and state taxes. Set against monthly living costs of $2,315—covering housing, food, transportation, utilities, and healthcare—that leaves approximately $9,586 per month in disposable income. That margin, not the gross number, is what determines whether you can comfortably cover rent, build savings, and afford discretionary spending in Knoxville's current market.

How far does this salary go in Knoxville?

Cost of Living in Knoxville

Estimated monthly expenses for a single person in Knoxville, benchmarked against US regional price indices for housing, food, transportation, utilities, and healthcare.

Cost Index

86

Below Avg — US average is 100. Based on a single person (1-bed apartment).

🏠Housing / Rent$1,280/mo
🍔Food & Groceries$460/mo
🚗Transportation$125/mo
💡Utilities$160/mo
🏥Healthcare$290/mo
Monthly$2,315
Annual$27,780
Disposable Income$9,586

Financial Reality Check

This section compares estimated monthly take-home pay against typical living costs in Knoxville to show your real disposable income—the amount remaining after essential bills are paid each month.

Monthly Take-Home

$11,901

Living Costs

$2,315

Disposable

$9,586

Cost Index

86

Lifestyle

Comfortable

With a monthly take-home of $11,901, your estimated living costs in Knoxville are $2,315 ($27,780/yr). This leaves $9,586 per month in disposable income, indicating a comfortable standard of living. Knoxville's cost of living is 14% below the national average.

Overall, a Ophthalmologists earning $195,636 in Knoxville falls into a comfortable lifestyle tier and has meaningful room to save, invest, and absorb unexpected expenses without financial stress. With a cost index of 86, Knoxville is 14% more affordable than the national average, which extends your purchasing power. Regardless of tier, prioritizing retirement contributions, an emergency fund of three to six months' expenses, and incremental debt reduction will yield the greatest long-term financial stability—especially as living costs in Knoxville continue to evolve.

Frequently Asked Questions

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Ophthalmologists · Knoxville, TN3% below avg

Gross Salary

$195,636/yr

Take-home

$11,901/mo

Disposable

$9,586/mo

Lifestyle

Comfortable

Source: thesalaryindex.com · BLS data

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COL index, rent benchmarks, top jobs, and affordability score.

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Salary estimates are based on BLS metro data and adjusted using cost-of-living indices.