Can a Physical Therapist afford to live in Cincinnati?

Excellent60% of take-home left to save — you can save aggressively here.
Median salary (gross)
Physical Therapist · Cincinnati
$102,890
Income tax (~27% effective)
United States
– $27,563
Take-home pay
$6,277/mo
$75,327
Living costs (1 person)
$2,520/mo · derived
– $30,240
Savings potential
$3,757/mo · 60% of take-home
$45,087

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

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

How we calculated this

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

• Tax: United States single-filer effective rate (~27%). 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.