Cincinnati vs Austin: where does a physical therapist save more?
Best for saving: Cincinnati — about $3,757/mo after taxes and living costs.
Cincinnati US ★ Best for saving | Austin US | |
|---|---|---|
| Median salary | $102,890 | $103,630 |
| Take-home / mo | $6,277 | $6,618 |
| Income tax | ~27% | ~23% |
| Living costs / mo | $2,520 | $2,910 |
| Savings / mo | $3,757 | $3,708 |
| Savings rate | 60% | 56% |
| 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 ~27%, US ~23%).
• Living costs: a single professional's baseline monthly budget per city.
Estimates, not financial or tax advice. Updated 2026.