Job Salary Guide · 2026
Physical Therapist Salary After Tax in Cambridge
Based on BLS OEWS data · MA · Single filer
Physical Therapist Salary Range
25th Percentile
$80,000
Take-home:
$60,666
$5,056/mo
Entry to mid-level
Median
$97,000
Take-home:
$71,775
$5,981/mo
Typical salary
75th Percentile
$115,000
Take-home:
$83,538
$6,962/mo
Senior / specialist
Tax Breakdown
At median salary of $97,000
Cost of Living in Cambridge
1BR Monthly Rent
$3,100/mo
2BR Monthly Rent
$3,950/mo
COL Index
1.93
Comfortable Rent Max
$1,495/mo
50 / 30 / 20 Budget Planner
Based on your monthly take-home of $5,981 ($71,772/yr)
$2,991
per month
- ›Rent / mortgage
- ›Groceries
- ›Utilities
- ›Insurance
- ›Minimum debt payments
- ›Transportation
$1,794
per month
- ›Dining out
- ›Streaming services
- ›Gym
- ›Hobbies
- ›Travel
- ›Shopping
$1,196
per month
- ›Emergency fund
- ›401(k) / IRA
- ›Investments
- ›Down payment fund
- ›Debt payoff (extra)
Needs / year
$35,886
Wants / year
$21,532
Savings / year
$14,354
Physical Therapist Salary in Other Cities
Frequently Asked Questions
What is the average Physical Therapist salary in Cambridge?
The median Physical Therapist salary in Cambridge (MA) 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 Cambridge?
At the median salary of $97,000, a Physical Therapist in MA takes home approximately $71,775 per year ($5,981/month) after federal and state taxes. The effective tax rate is 26.01%.
Can a Physical Therapist afford rent in Cambridge?
The average 1-bedroom rent in Cambridge is $3,100/month. On the median Physical Therapist salary, your rent-to-income ratio is 51.8%, which is "High Stress". Financial experts recommend keeping rent below 25–30% of take-home pay ($1,495/month at this salary).
How does cost of living affect Physical Therapist salaries in Cambridge?
Cambridge has a cost-of-living index of 1.93 (1.00 = national average). Cambridge is 93% more expensive than the US average, which reduces the real purchasing power of the Physical Therapist salary.