Job Salary Guide · 2026
Surgeon Salary After Tax in Waterbury
Based on BLS OEWS data · CT · Single filer
Surgeon Salary Range
25th Percentile
$290,000
Take-home:
$191,210
$15,934/mo
Entry to mid-level
Median
$352,000
Take-home:
$225,775
$18,815/mo
Typical salary
75th Percentile
$470,000
Take-home:
$291,560
$24,297/mo
Senior / specialist
Tax Breakdown
At median salary of $352,000
Cost of Living in Waterbury
1BR Monthly Rent
$1,200/mo
2BR Monthly Rent
$1,500/mo
COL Index
0.98
Comfortable Rent Max
$4,703/mo
50 / 30 / 20 Budget Planner
Based on your monthly take-home of $18,815 ($225,780/yr)
$9,408
per month
- ›Rent / mortgage
- ›Groceries
- ›Utilities
- ›Insurance
- ›Minimum debt payments
- ›Transportation
$5,645
per month
- ›Dining out
- ›Streaming services
- ›Gym
- ›Hobbies
- ›Travel
- ›Shopping
$3,763
per month
- ›Emergency fund
- ›401(k) / IRA
- ›Investments
- ›Down payment fund
- ›Debt payoff (extra)
Needs / year
$112,890
Wants / year
$67,734
Savings / year
$45,156
Surgeon Salary in Other Cities
Frequently Asked Questions
What is the average Surgeon salary in Waterbury?
The median Surgeon salary in Waterbury (CT) is $352,000 per year based on BLS OEWS data. The 25th percentile is $290,000 and the 75th percentile is $470,000.
What is the take-home pay for a Surgeon in Waterbury?
At the median salary of $352,000, a Surgeon in CT takes home approximately $225,775 per year ($18,815/month) after federal and state taxes. The effective tax rate is 35.86%.
Can a Surgeon afford rent in Waterbury?
The average 1-bedroom rent in Waterbury is $1,200/month. On the median Surgeon salary, your rent-to-income ratio is 6.4%, which is "Comfortable". Financial experts recommend keeping rent below 25–30% of take-home pay ($4,703/month at this salary).
How does cost of living affect Surgeon 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 Surgeon salary goes further here than in high-cost metros.