Can a Physical Therapist afford to live in Memphis?

Excellent59% of take-home left to save — you can save aggressively here.
Median salary (gross)
Physical Therapist · Memphis
$88,329
Income tax (~22% effective)
United States
– $19,236
Take-home pay
$5,758/mo
$69,093
Living costs (1 person)
$2,380/mo · derived
– $28,560
Savings potential
$3,378/mo · 59% of take-home
$40,533

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

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

How we calculated this

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

• Tax: United States single-filer effective rate (~22%). 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.