Job Salary Guide · 2026
Occupational Therapist Salary After Tax in Duluth
Based on BLS OEWS data · MN · Single filer
Occupational Therapist Salary Range
25th Percentile
$78,000
Take-home:
$58,415
$4,868/mo
Entry to mid-level
Median
$95,000
Take-home:
$69,218
$5,768/mo
Typical salary
75th Percentile
$115,000
Take-home:
$81,813
$6,818/mo
Senior / specialist
Tax Breakdown
At median salary of $95,000
Cost of Living in Duluth
1BR Monthly Rent
$1,000/mo
2BR Monthly Rent
$1,250/mo
COL Index
0.88
Comfortable Rent Max
$1,442/mo
50 / 30 / 20 Budget Planner
Based on your monthly take-home of $5,768 ($69,216/yr)
$2,884
per month
- ›Rent / mortgage
- ›Groceries
- ›Utilities
- ›Insurance
- ›Minimum debt payments
- ›Transportation
$1,730
per month
- ›Dining out
- ›Streaming services
- ›Gym
- ›Hobbies
- ›Travel
- ›Shopping
$1,154
per month
- ›Emergency fund
- ›401(k) / IRA
- ›Investments
- ›Down payment fund
- ›Debt payoff (extra)
Needs / year
$34,608
Wants / year
$20,765
Savings / year
$13,843
Occupational Therapist Salary in Other Cities
Frequently Asked Questions
What is the average Occupational Therapist salary in Duluth?
The median Occupational Therapist salary in Duluth (MN) is $95,000 per year based on BLS OEWS data. The 25th percentile is $78,000 and the 75th percentile is $115,000.
What is the take-home pay for a Occupational Therapist in Duluth?
At the median salary of $95,000, a Occupational Therapist in MN takes home approximately $69,218 per year ($5,768/month) after federal and state taxes. The effective tax rate is 27.14%.
Can a Occupational Therapist afford rent in Duluth?
The average 1-bedroom rent in Duluth is $1,000/month. On the median Occupational Therapist salary, your rent-to-income ratio is 17.3%, which is "Comfortable". Financial experts recommend keeping rent below 25–30% of take-home pay ($1,442/month at this salary).
How does cost of living affect Occupational Therapist salaries in Duluth?
Duluth has a cost-of-living index of 0.88 (1.00 = national average). Duluth is 12% cheaper than the US average, so the Occupational Therapist salary goes further here than in high-cost metros.