Sacramento vs Austin: where does a physical therapist save more?
Best for saving: Austin — about $4,143/mo after taxes and living costs.
Sacramento US | Austin US ★ Best for saving | |
|---|---|---|
| Median salary | $118,711 | $111,606 |
| Take-home / mo | $6,591 | $7,053 |
| Income tax | ~33% | ~24% |
| Living costs / mo | $3,300 | $2,910 |
| Savings / mo | $3,291 | $4,143 |
| Savings rate | 50% | 59% |
| 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 ~33%, US ~24%).
• Living costs: a single professional's baseline monthly budget per city.
Estimates, not financial or tax advice. Updated 2026.