A rigorous analytical development is presented to find a formula that provides the temperature distribution in the tank zones close to bushings of distribution transformers. The new formula can be fed with a loss distribution obtained either analytically or numerically. This fact is shown using two proven loss distributions, combined with our new formula, and comparing their results with finite element simulations that use a pre-established loss distribution in one case and solve a thermal-electromagnetic coupled problem in the second case. An excellent match between numerical and analytical results is found, which are independently determined using completely different computation philosophies. As a result, it is clearly shown that our proposed formula is effective and accurate. Moreover, it requires much lower computational resources as compared to finite element simulations that require commercial or highly specialized software. Our formula will contribute to the better design of transformers, increasing their useful lives and reducing operating costs in power networks.