Job Salary Guide · 2026
Physical Therapist Salary After Tax in Paterson
Based on BLS OEWS data · NJ · Single filer
Physical Therapist Salary Range
25th Percentile
$80,000
Take-home:
$61,696
$5,141/mo
Entry to mid-level
Median
$97,000
Take-home:
$72,572
$6,048/mo
Typical salary
75th Percentile
$115,000
Take-home:
$84,089
$7,007/mo
Senior / specialist
Tax Breakdown
At median salary of $97,000
Cost of Living in Paterson
1BR Monthly Rent
$1,600/mo
2BR Monthly Rent
$2,000/mo
COL Index
1.18
Comfortable Rent Max
$1,512/mo
50 / 30 / 20 Budget Planner
Based on your monthly take-home of $6,048 ($72,576/yr)
$3,024
per month
- ›Rent / mortgage
- ›Groceries
- ›Utilities
- ›Insurance
- ›Minimum debt payments
- ›Transportation
$1,814
per month
- ›Dining out
- ›Streaming services
- ›Gym
- ›Hobbies
- ›Travel
- ›Shopping
$1,210
per month
- ›Emergency fund
- ›401(k) / IRA
- ›Investments
- ›Down payment fund
- ›Debt payoff (extra)
Needs / year
$36,288
Wants / year
$21,773
Savings / year
$14,515
Physical Therapist Salary in Other Cities
Frequently Asked Questions
What is the average Physical Therapist salary in Paterson?
The median Physical Therapist salary in Paterson (NJ) 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 Paterson?
At the median salary of $97,000, a Physical Therapist in NJ takes home approximately $72,572 per year ($6,048/month) after federal and state taxes. The effective tax rate is 25.18%.
Can a Physical Therapist afford rent in Paterson?
The average 1-bedroom rent in Paterson is $1,600/month. On the median Physical Therapist salary, your rent-to-income ratio is 26.5%, which is "Moderate". Financial experts recommend keeping rent below 25–30% of take-home pay ($1,512/month at this salary).
How does cost of living affect Physical Therapist salaries in Paterson?
Paterson has a cost-of-living index of 1.18 (1.00 = national average). Paterson is 18% more expensive than the US average, which reduces the real purchasing power of the Physical Therapist salary.