Freelance Occupational Therapist hourly rate: what to charge in 2026
A freelance Occupational Therapist should charge about $60–$85/hour (≈ $560/day). That's built up from the salaried median of $98,828 — not the naive $48/hour, because contractors cover their own taxes, benefits, and unpaid time.
Suggested rate range
Day rate ≈ $560. At the market rate with ~70% billable time, that's roughly $101,920/year gross. Raise rates for specialised work, rush timelines, or high-value clients.
Common questions
What should a freelance Occupational Therapist charge per hour?
Aim for about $60–$85/hour (mid $70). That starts from the salaried-employee equivalent of $48/hour and adds markup for self-employment tax (~15%), your own benefits, and unpaid/non-billable time.
Why is a contract rate higher than the salary hourly rate?
A $98,828 salary is ~$48/hour, but employees get employer-paid taxes, health insurance, 401k, and paid time off. As a freelance Occupational Therapist you cover all of that yourself and only ~70% of your time is billable — hence the markup.
What annual income does that rate produce?
At $70/hour with ~70% billable utilisation, a freelance Occupational Therapist grosses roughly $101,920/year before business expenses — comparable to the $98,828 salaried median once you account for benefits you now self-fund.
Rates derived from salaried medians + standard contractor markup; planning estimates, not tax or business advice.