Can a Physical Therapist afford to live in Boston?

Excellent48% of take-home left to save — you can save aggressively here.
Median salary (gross)
Physical Therapist · Boston
$131,643
Income tax (~31% effective)
United States
– $40,982
Take-home pay
$7,555/mo
$90,661
Living costs (1 person)
$3,920/mo · derived
– $47,040
Savings potential
$3,635/mo · 48% of take-home
$43,621

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

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

How we calculated this

• Salary: BLS OES median for Physical Therapist, adjusted for Boston.

• Tax: United States single-filer effective rate (~31%). 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.