Can a Physical Therapist afford to live in Baltimore?

Excellent51% of take-home left to save — you can save aggressively here.
Median salary (gross)
Physical Therapist · Baltimore
$105,810
Income tax (~29% effective)
United States
– $30,453
Take-home pay
$6,280/mo
$75,357
Living costs (1 person)
$3,080/mo · derived
– $36,960
Savings potential
$3,200/mo · 51% of take-home
$38,397

Single professional, after-tax. Salary − tax − living costs = what you could save each year.

Full salary breakdown →Is this a good salary in Baltimore? →Compare Baltimore with another city →

How we calculated this

• Salary: BLS OEWS 2025 metro-area survey median for Physical Therapist, adjusted for Baltimore.

• Tax: United States single-filer effective rate (~29%). Official calculator.

• Living costs: derived from cost-of-living index for a single professional.

Planning estimates, not financial or tax advice. Updated 2026. Your situation will differ.