What is the starting salary for Physics graduates in Nashville?

The estimated starting salary for Physics graduates in Nashville, TN is $57,040 per year, adjusted for the local cost of living index of 92. The national average starting salary for this major is $62,000. Salaries in Nashville are 8% lower than the national average due to cost of living differences.

Is a Physics degree worth it in Nashville?

A Physics degree in Nashville has an estimated ROI payback period of 3.6 years, with a projected lifetime return of $599,376 after subtracting education costs. With 35 colleges in the area and average public tuition of $9,312/year, Nashville offers affordable options for this degree. The local unemployment rate of 6.8% and the major's national unemployment rate of 3.8% should also factor into your decision.

How much does it cost to study Physics in Nashville?

The average annual public university tuition in Nashville is $9,312, while private universities average $50,624/year. Including room and board ($13,344/year), total 4-year costs range from $90,624 at a public school to $255,872 at a private institution. Average financial aid per student in Nashville is $7,603/year.

What jobs can Physics graduates get in Nashville?

Physics graduates in Nashville can pursue careers as Physicist, Research Scientist, Lab Engineer. Key skills valued by local employers include Quantum Mechanics, Thermodynamics, Lab Research, Mathematical Modeling. The Nashville job market features Tech companies, Research labs, Government agencies among the top hiring sectors for this field. National top employers include National Labs, SpaceX, Lockheed Martin.

How long to pay off student loans for Physics in Nashville?

With a standard 10-year repayment plan at 6.5% interest, Physics graduates in Nashville would pay $1,029/month on an estimated $90,624 in loans, with $32,858 in total interest. An aggressive 5-year plan would require $1,773/month but save $17,092 in interest. With a COL-adjusted starting salary of $57,040, monthly payments would represent 22% of gross monthly income.

Physics Degree in Nashville, TN — Salary & ROI 2026

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

Starting Salary

$57K

COL-adjusted

Mid-Career

$97K

COL-adjusted

ROI Payback

3.6 yrs

in Nashville

Cost of Living

index (100 = avg)

Physics in Nashville, TN Overview

Nashville is one of Tennessee's top college towns, with 35 institutions and a student population of 23,290. Public tuition averages $9,312/year here — well below the national average, making it a cost-effective choice. Physics enrollment is stable nationwide, with steady demand for graduates skilled in Quantum Mechanics and Thermodynamics. The adjusted starting salary in Nashville is approximately $57,040, growing to $96,600 by mid-career.

Physics Salary in Nashville (COL-Adjusted)

Salaries adjusted for Nashville's cost of living index of 92 (national average = 100).

Entry Level (0-2 yrs)

$57,040($-4,960 vs national)

Mid Career (5-9 yrs)

$96,600($-8,400 vs national)

Senior Level (15+ yrs)

$119,600($-10,400 vs national)

Note: National average Physics salary: $62,000 starting, $105,000 mid-career, $130,000 senior level.Nashville adjustment factor: 0.92x based on the local cost of living index.

Physics ROI Calculator for Nashville

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

Annual Tuition ($)

Public avg: $9,312 | Private avg: $50,624

Years of Study

Annual Financial Aid ($)

Nashville avg aid: $7,603/yr

Student Loan Rate (%)

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

Total Education Cost

$90,624

tuition + room & board - aid

Annual Earnings Premium

$24,840

vs HS diploma in Nashville

ROI Payback Period

3.6 years

to break even

Lifetime Return in Nashville

$599,376

Lifetime earnings premium ($690,000) minus total education cost ($90,624)

Student Loan Payoff for Physics in Nashville

Standard Plan (10 years)

Loan Amount$90,624

Monthly Payment$1,029

Total Interest$32,858

% of Monthly Income22%

Aggressive Plan (5 years)

Loan Amount$90,624

Monthly Payment$1,773

Total Interest$15,766

Interest Savings$17,092

Colleges in Nashville for Physics

Vanderbilt University

private

$60,348/yr

$241,392 total

Belmont University

private

$40,900/yr

$163,600 total

Tennessee State University

public

$9,312/yr

$37,248 total

Community Colleges (2-Year Transfer)

Nashville State Community College

$4,320/yr

Top Employers for Physics in Nashville

Nashville offers opportunities in Tech companies, Research labs, Government agencies for Physics graduates. National top employers in this field include:

National LabsSpaceXLockheed MartinIntelCERN

Key Nashville Hiring Sectors for STEM

Tech companies

Research labs

Government agencies

Startups

Consulting firms

Common Physics Job Titles

PhysicistResearch ScientistLab Engineer

Physics in Nearby Tennessee Cities

Memphis, TN

$58K starting · COL 93

22 colleges

Knoxville, TN

$53K starting · COL 85

5 colleges

Chattanooga, TN

$50K starting · COL 80

5 colleges

Clarksville, TN

$56K starting · COL 90

9 colleges

Murfreesboro, TN

$56K starting · COL 91

10 colleges

Franklin, TN

$73K starting · COL 118.5

4 colleges

Jackson, TN

$51K starting · COL 82.5

3 colleges

Johnson City, TN

$65K starting · COL 105

6 colleges

Other STEM Majors in Nashville

Prompt Engineering

$46K starting · 1.5 yr ROI

Computational Linguistics

$87K starting · 2 yr ROI

Computer Science

$78K starting · 2.8 yr ROI

Software Engineering

$81K starting · 2.7 yr ROI

Data Science

$75K starting · 3 yr ROI

Astrophysics

$78K starting · 3 yr ROI

Actuarial Science

$46K starting · 3 yr ROI

Cybersecurity

$74K starting · 3 yr ROI

Methodology & Education Data Sources

How we calculate Physics degree outcomes in Nashville, 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 Physics 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 Nashville 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 Physics 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 — Physics 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 Physics 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 Nashville 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.

Physics Degree in Nashville — 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 Physics ROI in other cities, or explore other majors in Nashville.

Physics Overview Colleges in Nashville All Majors