Wiggins was born on the Wiley Edward Jones Plantation in Harris County, Georgia. Blind at birth, he was sold in 1850 along with his enslaved parents, Charity and Mingo Wiggins, to a Columbus, Georgia lawyer, General James Neil Bethune. Bethune was "almost the pioneer free trader" in the United States and "the first [newspaper] editor in the south to openly advocate secession". General Bethunr renamed the child Thomas Greene Bethune or Thomas Wiggins Bethune (according to different sources).
Because the blind lad could not perform work normally demanded of enslaved Africans, Tom was left to play and explore the Bethune plantation. At an early age, he evinced an interest in the piano after hearing the instrument played by Bethune's daughters. By age four he reportedly had acquired intuitive, if rudimentary—and imitative—piano skills based solely on hearing. He continually intruded upon the Bethune family residence to gain access to the piano, with Bethune's daughters abetting these intrusions. By age five Tom reportedly had composed his first tune, The Rain Storm, based on his aural impressions of a torrential downpour. After his extraordinary music skills were recognized by General Bethune, Tom was permitted to live in a room attached to the family house, away from the enslaved quarters. The small room was equipped with a piano. Neighbor Otto Spahr, reminiscing about Tom in the Atlanta Constitution in 1908 (as reproduced in The Ballad of Blind Tom, by Deirdre O'Connell), observed: "Tom seemed to have but two motives in life: the gratification of his appetite and his passion for music. I don't think I exaggerate when I state that he made the piano go for twelve hours out of twenty-four."
As a child, Tom began to echo the sounds around him, repeating accurately the crow of a rooster or the singing of a bird. If he was left alone in the cabin, Tom was known to begin beating on pots and pans or dragging chairs across the floor in an attempt to make any kind of noise. By the age of four, Tom was able to repeat conversations up to ten minutes in length but was barely able to adequately communicate his own needs, resorting to grunts and gestures.
Bethune, Thomas' owner, then hired out "Blind Tom" at the age of eight years to concert promoter Perry Oliver, who toured him extensively in the US, performing as often as four times a day and earning Oliver and Bethune up to $100,000 a year, an enormous sum for the time, "equivalent to $1.5 million/year [in 2004], making Blind Tom undoubtedly the nineteenth century's most highly compensated pianist". General Bethune's family eventually made a fortune estimated at $750,000 at the hands of Blind Tom. Oliver marketed Tom as a “Barnum-style freak” advertising the transformation from animal to artist. In the media, Tom was frequently compared to a bear, baboon, or mastiff.
Bethune hired professional musicians to play for Tom, who could faithfully reproduce their performances, often after a single listening. Eventually he learned a reported 7,000 pieces of music, including hymns, popular songs, waltzes, and classical repertoire.
On- and off-stage, Tom often referred to himself in the third person (e.g., "Tom is pleased to meet you"). His piano recitals were augmented by other talents, including uncanny voice mimicry of public figures and nature sounds. He also displayed a hyperactive physicality both onstage and off. A letter written in 1862 by a soldier in North Carolina described some of Tom's eccentric capabilities: "One of his most remarkable feats was the performance of three pieces of music at once. He played 'Fisher's Hornpipe' with one hand and 'Yankee Doodle' with the other and sang 'Dixie' all at once. He also played a piece with his back to the piano and his hands inverted." At concerts, skeptics attempted to confirm if Tom's performance replications were mere trickery; their challenge took the form of having Tom hear and repeat two new, uncirculated compositions. Tom did so perfectly. The "audience challenge" eventually became a regular feature of his concerts.
In 1866, at age 16, Tom was taken on a European concert tour by General Bethune, who collected testimonials about Tom's natural talents from composer-pianist Ignaz Moscheles and pianist-conductor Charles Hallé. These were printed in a booklet, “The Marvelous Musical Prodigy Blind Tom," and used to bolster Tom's international reputation.
In 1875, General Bethune transferred management of Blind Tom's professional affairs to his son John Bethune, who accompanied Tom on tour around the U.S. for the next eight years. Beginning in 1875, John brought Blind Tom to New York each summer. While living with John in a boarding house on the Lower East Side, Tom added to his repertoire under the tutelage of Joseph Poznanski, who also transcribed new compositions by Tom for publication. Many of these were, at Tom's insistence, published under such pseudonyms as Professor W.F. Raymond, J.C. Beckel, C.T. Messengale, and Francois Sexalise.
Tom's piano-playing behavior, both during practice and performance, was eccentric. "We had two pianos in one room," Poznanski told the Washington Post in 1886 (as recounted in O'Connell's biography). "I would play for him and he would get up, walk around, stand on one foot, pull his hair, knock his head against the wall, then sit down and play a very good imitiation of what I had played with additions to it. His memory was something prodigious. He never forgot anything." This led some critics to dismiss Tom as a novelty act, a "human parrot." Novelist Willa Cather, writing in the Nebraska State Journal, called Tom "a human phonograph, a sort of animated memory, with sound producing power."
John Steinbeck has compared the main character in his short story, “Johnny Bear” to Blind Tom.
In 1882, John Bethune married his landlady, Eliza Stutzbach, who had demonstrated a knack for mollifying Tom's sometimes volatile temperament. However, shortly after their marriage, John Bethune embarked on an extended tour of the U.S. with Tom, in effect abandoning Eliza. When Bethune returned home eight months later, his wife filed for divorce. The couple split up—John took Tom—but a bitter legal squabble ensued, with Eliza hounding John for financial support, a claim that the courts usually adjudicated in John's favor. After John Bethune died in a railway accident in 1884, Tom was returned—over Eliza's objections—to the care of General Bethune (now living in Virginia). Eliza sued General Bethune for ownership, with Tom's elderly mother Charity enjoined by Eliza's attorney as a party in the plaintiff's suit. After a protracted custody battle in several courts, in August 1887 Tom was awarded to Eliza, who moved Tom back to New York. Charity accompanied them with the understanding that she would benefit financially from Tom's earnings. However, after it became apparent that Eliza did not intend to honor any financial obligations to Charity, Tom's mother returned to Georgia.
Tom continued performing and touring for a number of years under the management of Eliza and her attorney (and later husband) Albrecht Lerche. Tom was on tour in western Pennsylvania in May 1889 on the day of the Johnstown Flood, and rumor spread that he was among the casualties. Despite his continued appearances on the U.S. concert circuit, the rumor persisted for years, with some observers expressing skepticism that the Blind Tom who appeared in concert after 1889 was the "real Blind Tom."
In this phase of his career, Tom usually introduced himself onstage in the third person, imitating the pronouncements of his various managers from years past. He talked about his mental state with a characteristic lack of self-awareness. He had been diagnosed as non compos mentis by a doctor, and in his foggy netherworld the phrase was a matter of personal pride. Willa Cather described the poignance of one such concert: "It was a strange sight to see him walk out on stage with his own lips—another man's words—introduce himself and talk quietly about his own idiocy. There was insanity, a grotesque horribleness about it that was interestingly unpleasant. One laughs at the man's queer actions, and yet, after all, the sight is not laughable. It brings us too near to the things that we sane people do not like to think of."
After being dogged by incessant legal challenges to her custodianship of Tom, Eliza took Tom off the concert circuit around 1893.
After the death of her husband, Eliza relocated to Hoboken, New Jersey, with Tom. They kept out of public view, though neighbors could hear Tom's piano playing at all hours of the day and night. Tom suffered a major stroke in April 1908, and died the following June. He was buried in the Cemetery of the Evergreens in Brooklyn, New York.