Job Salary Guide · 2026
Physical Therapist Salary After Tax in Waterloo
Based on BLS OEWS data · IA · Single filer
Physical Therapist Salary Range
25th Percentile
$80,000
Take-home:
$61,626
$5,136/mo
Entry to mid-level
Median
$97,000
Take-home:
$72,939
$6,078/mo
Typical salary
75th Percentile
$115,000
Take-home:
$84,918
$7,077/mo
Senior / specialist
Tax Breakdown
At median salary of $97,000
Cost of Living in Waterloo
1BR Monthly Rent
$880/mo
2BR Monthly Rent
$1,100/mo
COL Index
0.82
Comfortable Rent Max
$1,519/mo
50 / 30 / 20 Budget Planner
Based on your monthly take-home of $6,078 ($72,936/yr)
$3,039
per month
- ›Rent / mortgage
- ›Groceries
- ›Utilities
- ›Insurance
- ›Minimum debt payments
- ›Transportation
$1,823
per month
- ›Dining out
- ›Streaming services
- ›Gym
- ›Hobbies
- ›Travel
- ›Shopping
$1,216
per month
- ›Emergency fund
- ›401(k) / IRA
- ›Investments
- ›Down payment fund
- ›Debt payoff (extra)
Needs / year
$36,468
Wants / year
$21,881
Savings / year
$14,587
Physical Therapist Salary in Other Cities
Frequently Asked Questions
What is the average Physical Therapist salary in Waterloo?
The median Physical Therapist salary in Waterloo (IA) 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 Waterloo?
At the median salary of $97,000, a Physical Therapist in IA takes home approximately $72,939 per year ($6,078/month) after federal and state taxes. The effective tax rate is 24.81%.
Can a Physical Therapist afford rent in Waterloo?
The average 1-bedroom rent in Waterloo is $880/month. On the median Physical Therapist salary, your rent-to-income ratio is 14.5%, which is "Comfortable". Financial experts recommend keeping rent below 25–30% of take-home pay ($1,519/month at this salary).
How does cost of living affect Physical Therapist salaries in Waterloo?
Waterloo has a cost-of-living index of 0.82 (1.00 = national average). Waterloo is 18% cheaper than the US average, so the Physical Therapist salary goes further here than in high-cost metros.