Job Salary Guide · 2026
Physical Therapist Salary After Tax in Frederick
Based on BLS OEWS data · MD · Single filer
Physical Therapist Salary Range
25th Percentile
$80,000
Take-home:
$60,918
$5,077/mo
Entry to mid-level
Median
$97,000
Take-home:
$72,070
$6,006/mo
Typical salary
75th Percentile
$115,000
Take-home:
$83,840
$6,987/mo
Senior / specialist
Tax Breakdown
At median salary of $97,000
Cost of Living in Frederick
1BR Monthly Rent
$1,600/mo
2BR Monthly Rent
$2,000/mo
COL Index
1.18
Comfortable Rent Max
$1,501/mo
50 / 30 / 20 Budget Planner
Based on your monthly take-home of $6,006 ($72,072/yr)
$3,003
per month
- ›Rent / mortgage
- ›Groceries
- ›Utilities
- ›Insurance
- ›Minimum debt payments
- ›Transportation
$1,802
per month
- ›Dining out
- ›Streaming services
- ›Gym
- ›Hobbies
- ›Travel
- ›Shopping
$1,201
per month
- ›Emergency fund
- ›401(k) / IRA
- ›Investments
- ›Down payment fund
- ›Debt payoff (extra)
Needs / year
$36,036
Wants / year
$21,622
Savings / year
$14,414
Physical Therapist Salary in Other Cities
Frequently Asked Questions
What is the average Physical Therapist salary in Frederick?
The median Physical Therapist salary in Frederick (MD) 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 Frederick?
At the median salary of $97,000, a Physical Therapist in MD takes home approximately $72,070 per year ($6,006/month) after federal and state taxes. The effective tax rate is 25.7%.
Can a Physical Therapist afford rent in Frederick?
The average 1-bedroom rent in Frederick is $1,600/month. On the median Physical Therapist salary, your rent-to-income ratio is 26.6%, which is "Moderate". Financial experts recommend keeping rent below 25–30% of take-home pay ($1,501/month at this salary).
How does cost of living affect Physical Therapist salaries in Frederick?
Frederick has a cost-of-living index of 1.18 (1.00 = national average). Frederick is 18% more expensive than the US average, which reduces the real purchasing power of the Physical Therapist salary.