Can a Physical Therapist afford to live in Richmond?

Excellent53% of take-home left to save — you can save aggressively here.
Median salary (gross)
Physical Therapist · Richmond
$103,103
Income tax (~29% effective)
United States
– $29,962
Take-home pay
$6,095/mo
$73,141
Living costs (1 person)
$2,860/mo · derived
– $34,320
Savings potential
$3,235/mo · 53% of take-home
$38,821

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

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

How we calculated this

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

• 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.