Job Salary Guide · 2026
Physician Salary After Tax in Albany
Based on BLS OEWS data · NY · Single filer
Physician Salary Range
25th Percentile
$190,000
Take-home:
$130,641
$10,887/mo
Entry to mid-level
Median
$235,000
Take-home:
$159,175
$13,265/mo
Typical salary
75th Percentile
$310,000
Take-home:
$201,942
$16,829/mo
Senior / specialist
Tax Breakdown
At median salary of $235,000
Cost of Living in Albany
1BR Monthly Rent
$1,300/mo
2BR Monthly Rent
$1,620/mo
COL Index
1.03
Comfortable Rent Max
$3,316/mo
50 / 30 / 20 Budget Planner
Based on your monthly take-home of $13,265 ($159,180/yr)
$6,633
per month
- ›Rent / mortgage
- ›Groceries
- ›Utilities
- ›Insurance
- ›Minimum debt payments
- ›Transportation
$3,980
per month
- ›Dining out
- ›Streaming services
- ›Gym
- ›Hobbies
- ›Travel
- ›Shopping
$2,653
per month
- ›Emergency fund
- ›401(k) / IRA
- ›Investments
- ›Down payment fund
- ›Debt payoff (extra)
Needs / year
$79,590
Wants / year
$47,754
Savings / year
$31,836
Physician Salary in Other Cities
Frequently Asked Questions
What is the average Physician salary in Albany?
The median Physician salary in Albany (NY) is $235,000 per year based on BLS OEWS data. The 25th percentile is $190,000 and the 75th percentile is $310,000.
What is the take-home pay for a Physician in Albany?
At the median salary of $235,000, a Physician in NY takes home approximately $159,175 per year ($13,265/month) after federal and state taxes. The effective tax rate is 32.27%.
Can a Physician afford rent in Albany?
The average 1-bedroom rent in Albany is $1,300/month. On the median Physician salary, your rent-to-income ratio is 9.8%, which is "Comfortable". Financial experts recommend keeping rent below 25–30% of take-home pay ($3,316/month at this salary).
How does cost of living affect Physician 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 Physician salary.