WhereCanIAfford › FIRE by town › Memphis, TN

FIRE number for Memphis, TN

$805,050 retires you early in Memphis, TN — that's $32,202/yr to live × 25. At your $600,000 saved + $30,000/yr you reach it coast-fire.

The math (shown)

$244,737 home × 5%/yr owner-equivalent housing cost = $12,237/yr
housing ÷ 38% (housing is ~38% of a typical U.S. budget, BLS CEX) = $32,202/yr to live here
$32,202/yr spend ÷ 4% safe-withdrawal rule = $805,050 portfolio needed (the 25× rule)
$600,000 now + $30,000/yr at 5% real return reaches $805,050 in 4 years.
Coast-FIRE: $600,000 alone compounding 5% for 30 yrs = $2,593,165 by 65 — clears the $805,050 needed.

against Zillow ZHVI 2026-08 (Zillow ZHVI (typical home value, smoothed, all-homes 33–67pct tier)). FIRE math = the 4% rule (×25). Cost of living derived from home value — a planning estimate, not a household budget.

Run your own numbers for Memphis, TN

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FAQ

How much do I need to FIRE in Memphis, TN?
About $805,050 ($32,202/yr × 25).
What's the cost of living based on?
Memphis, TN's typical home value ($244,737, Zillow ZHVI 2026-08) → owner-equivalent + non-housing budget.
Is the 4% rule safe?
It's the Trinity-study baseline; many FIRE planners use 3.5%–4%. Lower withdrawal = bigger number.

Compare: your take-home here vs elsewhere → · the best town for you → · FIRE in Richmond, VA · FIRE in New Orleans, LA

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