Job Salary Guide · 2026
Physician Salary After Tax in Waterbury
Based on BLS OEWS data · CT · Single filer
Physician Salary Range
25th Percentile
$190,000
Take-home:
$131,030
$10,919/mo
Entry to mid-level
Median
$235,000
Take-home:
$159,571
$13,298/mo
Typical salary
75th Percentile
$310,000
Take-home:
$202,360
$16,863/mo
Senior / specialist
Tax Breakdown
At median salary of $235,000
Cost of Living in Waterbury
1BR Monthly Rent
$1,200/mo
2BR Monthly Rent
$1,500/mo
COL Index
0.98
Comfortable Rent Max
$3,324/mo
50 / 30 / 20 Budget Planner
Based on your monthly take-home of $13,298 ($159,576/yr)
$6,649
per month
- ›Rent / mortgage
- ›Groceries
- ›Utilities
- ›Insurance
- ›Minimum debt payments
- ›Transportation
$3,989
per month
- ›Dining out
- ›Streaming services
- ›Gym
- ›Hobbies
- ›Travel
- ›Shopping
$2,660
per month
- ›Emergency fund
- ›401(k) / IRA
- ›Investments
- ›Down payment fund
- ›Debt payoff (extra)
Needs / year
$79,788
Wants / year
$47,873
Savings / year
$31,915
Physician Salary in Other Cities
Frequently Asked Questions
What is the average Physician salary in Waterbury?
The median Physician salary in Waterbury (CT) 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 Waterbury?
At the median salary of $235,000, a Physician in CT takes home approximately $159,571 per year ($13,298/month) after federal and state taxes. The effective tax rate is 32.1%.
Can a Physician afford rent in Waterbury?
The average 1-bedroom rent in Waterbury is $1,200/month. On the median Physician salary, your rent-to-income ratio is 9%, which is "Comfortable". Financial experts recommend keeping rent below 25–30% of take-home pay ($3,324/month at this salary).
How does cost of living affect Physician salaries in Waterbury?
Waterbury has a cost-of-living index of 0.98 (1.00 = national average). Waterbury is 2% cheaper than the US average, so the Physician salary goes further here than in high-cost metros.