What is the starting salary for Pharmacy graduates in Chattanooga?

The estimated starting salary for Pharmacy graduates in Chattanooga, TN is $40,000 per year, adjusted for the local cost of living index of 80. The national average starting salary for this major is $50,000. Salaries in Chattanooga are 20% lower than the national average due to cost of living differences.

Is a Pharmacy degree worth it in Chattanooga?

A Pharmacy degree in Chattanooga has an estimated ROI payback period of 7.3 years, with a projected lifetime return of $672,568 after subtracting education costs. With 5 colleges in the area and average public tuition of $9,648/year, Chattanooga offers affordable options for this degree. The local unemployment rate of 3% and the major's national unemployment rate of 2% should also factor into your decision.

How much does it cost to study Pharmacy in Chattanooga?

The average annual public university tuition in Chattanooga is $9,648, while private universities average $39,466/year. Including room and board ($12,210/year), total 4-year costs range from $87,432 at a public school to $206,704 at a private institution. Average financial aid per student in Chattanooga is $9,310/year.

What jobs can Pharmacy graduates get in Chattanooga?

Pharmacy graduates in Chattanooga can pursue careers as Pharmacist, Clinical Pharmacist, Pharmacy Manager. Key skills valued by local employers include Pharmacology, Drug Interactions, Patient Counseling, Compounding. The Chattanooga job market features Hospitals, Medical centers, Private practices among the top hiring sectors for this field. National top employers include CVS Health, Walgreens, Hospitals.

How long to pay off student loans for Pharmacy in Chattanooga?

With a standard 10-year repayment plan at 6.5% interest, Pharmacy graduates in Chattanooga would pay $993/month on an estimated $87,432 in loans, with $31,701 in total interest. An aggressive 5-year plan would require $1,711/month but save $16,490 in interest. With a COL-adjusted starting salary of $40,000, monthly payments would represent 30% of gross monthly income.

Pharmacy Degree in Chattanooga, TN — Salary & ROI 2026

Pharmacy degree analysis for Chattanooga, TN. COL-adjusted salary data, local tuition costs, ROI calculator, and job market outlook.

Starting Salary

$40K

COL-adjusted

Mid-Career

$100K

COL-adjusted

ROI Payback

7.3 yrs

in Chattanooga

Cost of Living

index (100 = avg)

Pharmacy in Chattanooga, TN Overview

While Chattanooga has a smaller college scene with 5 institutions, Pharmacy students benefit from lower tuition costs. Room and board averages $12,210/year, and the car-friendly layout shapes the student experience. Although national enrollment in Pharmacy has been declining, graduates with skills in Pharmacology and Drug Interactions remain competitive in the job market. The adjusted starting salary in Chattanooga is approximately $40,000, growing to $100,000 by mid-career.

Pharmacy Salary in Chattanooga (COL-Adjusted)

Salaries adjusted for Chattanooga's cost of living index of 80 (national average = 100).

Entry Level (0-2 yrs)

$40,000($-10,000 vs national)

Mid Career (5-9 yrs)

$100,000($-25,000 vs national)

Senior Level (15+ yrs)

$112,000($-28,000 vs national)

Note: National average Pharmacy salary: $50,000 starting, $125,000 mid-career, $140,000 senior level.Chattanooga adjustment factor: 0.80x based on the local cost of living index.

Pharmacy ROI Calculator for Chattanooga

Estimate your return on investment for a Pharmacy degree using local Chattanooga tuition and cost of living data.

Annual Tuition ($)

Public avg: $9,648 | Private avg: $39,466

Years of Study

Annual Financial Aid ($)

Chattanooga avg aid: $9,310/yr

Student Loan Rate (%)

Federal avg: 6.5% | Private: 4-14%

Total Education Cost

$87,432

tuition + room & board - aid

Annual Earnings Premium

$12,000

vs HS diploma in Chattanooga

ROI Payback Period

7.3 years

to break even

Lifetime Return in Chattanooga

$672,568

Lifetime earnings premium ($760,000) minus total education cost ($87,432)

Student Loan Payoff for Pharmacy in Chattanooga

Standard Plan (10 years)

Loan Amount$87,432

Monthly Payment$993

Total Interest$31,701

% of Monthly Income30%

Aggressive Plan (5 years)

Loan Amount$87,432

Monthly Payment$1,711

Total Interest$15,210

Interest Savings$16,490

Colleges in Chattanooga for Pharmacy

University of Tennessee at Chattanooga

public

$9,648/yr

$38,592 total

Community Colleges (2-Year Transfer)

Chattanooga State Community College

$4,320/yr

Top Employers for Pharmacy in Chattanooga

Chattanooga offers opportunities in Hospitals, Medical centers, Private practices for Pharmacy graduates. National top employers in this field include:

CVS HealthWalgreensHospitalsRite AidCostco

Key Chattanooga Hiring Sectors for Healthcare

Hospitals

Medical centers

Private practices

Health systems

Pharma companies

Common Pharmacy Job Titles

PharmacistClinical PharmacistPharmacy Manager

Pharmacy in Nearby Tennessee Cities

Nashville, TN

$46K starting · COL 92

35 colleges

Memphis, TN

$47K starting · COL 93

22 colleges

Knoxville, TN

$43K starting · COL 85

5 colleges

Clarksville, TN

$45K starting · COL 90

9 colleges

Murfreesboro, TN

$46K starting · COL 91

10 colleges

Franklin, TN

$59K starting · COL 118.5

4 colleges

Jackson, TN

$41K starting · COL 82.5

3 colleges

Johnson City, TN

$53K starting · COL 105

6 colleges

Other Healthcare Majors in Chattanooga

Health Informatics

$40K starting · 3.8 yr ROI

Nursing

$54K starting · 3.2 yr ROI

Healthcare Administration

$40K starting · 4 yr ROI

Occupational Therapy

$40K starting · 3.8 yr ROI

Dental Hygiene

$40K starting · 3 yr ROI

Speech-Language Pathology

$40K starting · 4.2 yr ROI

Public Health

$40K starting · 5.2 yr ROI

Radiologic Technology

$40K starting · 3 yr ROI

Methodology & Education Data Sources

How we calculate Pharmacy degree outcomes in Chattanooga, TN: Our salary projections, ROI estimates, and tuition data combine multiple federal datasets to provide a localized view of education economics. We use a 10-year career-trajectory model standard in higher education research.

Tuition data sourced from IPEDS (Integrated Postsecondary Education Data System), the federal education statistics database operated by NCES. Average tuition for Pharmacy programs reflects 4-year public/private weighted averages for Tennessee.
Career salary projections based on BLS Occupational Employment and Wage Statistics, with cost-of-living adjustments for Chattanooga using regional CPI data.
10-year ROI calculates: (Total Career Earnings With Degree) − (Total Career Earnings Without Degree) − (Total Education Cost Including Interest on Loans).
Job market outlook for Pharmacy graduates uses BLS Occupational Outlook Handbook 10-year projections (2024-2034 base period).
Default rates and loan data sourced from College Scorecard (US Department of Education), which tracks repayment outcomes by institution.

Authoritative US education data sources:

IPEDS — Integrated Postsecondary Education Data — official federal college data
College Scorecard (US Dept of Education) — earnings, debt, completion rates
BLS Occupational Outlook Handbook — Pharmacy career projections
Federal Student Aid (FAFSA) — official US student loan and grant info
NCES Digest of Education Statistics — comprehensive education data
BLS Occupational Employment and Wages — entry-level salary data for Pharmacy grads

Education Disclaimer: Salary and ROI estimates are projections based on national and state-level averages. Individual outcomes depend on institution prestige, GPA, internships, location, network, and economic conditions. Always verify current tuition with the institution directly, and consult a financial aid counselor before taking on student loans. Use the Federal Loan Simulator to model repayment scenarios.

Reviewed by Brazora Monk · Last updated 2026 · IPEDS & BLS data current as of latest annual release

Financial Aid Resources for Chattanooga Students

Beyond federal aid (FAFSA), Tennessee students have access to state-specific grants, scholarships, and tuition assistance programs. The 2026-27 FAFSA also added a new Low Earnings Indicator (Dec 2025) flagging programs where graduates earn less than non-college peers — check your target school's status:

📋 Federal Aid (FAFSA)

Pell Grant up to $7,395/yr (2026-27). Subsidized loans at 6.53% (academic year 25-26):

🏛️ State Grants (Tennessee)

State-specific grants stack with federal aid:

• USA.gov — Tennessee programs
• NASFAA — State Aid Programs
• Search "tennessee higher education commission grants"

🎓 College Outcomes Data

Verify earnings + debt before enrolling:

• College Scorecard — earnings, debt, completion
• NCES College Navigator
• IPEDS Net Price Calculator Center

💰 Scholarship Search

Free, official, scam-free scholarship databases:

2026-27 FAFSA tip: The new Low Earnings Indicator flags programs where graduates earn less than non-graduates. Check this before enrolling. Speak with a NASFAA-credentialed financial aid counselor at your target school.

Pharmacy Degree in Chattanooga — FAQ

Data Sources: Salary data from BLS Occupational Outlook Handbook. Cost of living from BLS Regional Data. College data from NCES/IPEDS. Updated March 2026.

Explore More

Compare Pharmacy ROI in other cities, or explore other majors in Chattanooga.

Pharmacy Overview Colleges in Chattanooga All Majors