Austin vs San Francisco: where does a physical therapist save more?
Best for saving: Austin — about $3,708/mo after taxes and living costs.
Austin US ★ Best for saving | San Francisco US | |
|---|---|---|
| Median salary | $103,630 | $147,222 |
| Take-home / mo | $6,618 | $7,867 |
| Income tax | ~23% | ~36% |
| Living costs / mo | $2,910 | $4,400 |
| Savings / mo | $3,708 | $3,467 |
| Savings rate | 56% | 44% |
| Verdict | Excellent | Excellent |
Single professional, after-tax. "Savings" = take-home − a baseline cost of living. A planning estimate, not financial advice.
How we calculated this
• Salary: BLS/OECD median for a physical therapist, adjusted per city.
• Tax: each country's single-filer effective rate (e.g. US ~23%, US ~36%).
• Living costs: a single professional's baseline monthly budget per city.
Estimates, not financial or tax advice. Updated 2026.