Job Salary Guide · 2026
Physical Therapist Salary After Tax in Albany
Based on BLS OEWS data · NY · Single filer
Physical Therapist Salary Range
25th Percentile
$80,000
Take-home:
$60,668
$5,056/mo
Entry to mid-level
Median
$97,000
Take-home:
$71,599
$5,967/mo
Typical salary
75th Percentile
$115,000
Take-home:
$83,137
$6,928/mo
Senior / specialist
Tax Breakdown
At median salary of $97,000
Cost of Living in Albany
1BR Monthly Rent
$1,300/mo
2BR Monthly Rent
$1,620/mo
COL Index
1.03
Comfortable Rent Max
$1,491/mo
50 / 30 / 20 Budget Planner
Based on your monthly take-home of $5,967 ($71,604/yr)
$2,984
per month
- ›Rent / mortgage
- ›Groceries
- ›Utilities
- ›Insurance
- ›Minimum debt payments
- ›Transportation
$1,790
per month
- ›Dining out
- ›Streaming services
- ›Gym
- ›Hobbies
- ›Travel
- ›Shopping
$1,193
per month
- ›Emergency fund
- ›401(k) / IRA
- ›Investments
- ›Down payment fund
- ›Debt payoff (extra)
Needs / year
$35,802
Wants / year
$21,481
Savings / year
$14,321
Physical Therapist Salary in Other Cities
Frequently Asked Questions
What is the average Physical Therapist salary in Albany?
The median Physical Therapist salary in Albany (NY) is $97,000 per year based on BLS OEWS data. The 25th percentile is $80,000 and the 75th percentile is $115,000.
What is the take-home pay for a Physical Therapist in Albany?
At the median salary of $97,000, a Physical Therapist in NY takes home approximately $71,599 per year ($5,967/month) after federal and state taxes. The effective tax rate is 26.19%.
Can a Physical Therapist afford rent in Albany?
The average 1-bedroom rent in Albany is $1,300/month. On the median Physical Therapist salary, your rent-to-income ratio is 21.8%, which is "Comfortable". Financial experts recommend keeping rent below 25–30% of take-home pay ($1,491/month at this salary).
How does cost of living affect Physical Therapist salaries in Albany?
Albany has a cost-of-living index of 1.03 (1.00 = national average). Albany is 3% more expensive than the US average, which reduces the real purchasing power of the Physical Therapist salary.