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MODELED MONTHLY SURPLUS

Top 20 cities for Occupational Therapists

This ranking uses a modeled monthly surplus, not salary alone. It estimates take-home pay, housing, and local standard expenses so you can compare the same defined measure across cities.

Direct BLS match to SOC 29-1122 Occupational Therapists.

What the modeled surplus includes

Modeled 2026 monthly surplus = modeled monthly take-home pay - estimated mortgage - fixed standard expenses ($2,200/month in every metro). It is a comparison model, not your personal cash-after-rent result.

#1

McAllen, TX

MSA Pop: 0.9M
Modeled 2026 monthly surplus
$3,791
Modeled 2026 Gross Salary
$103,504
BEA 2024 RPP
85.9
Est. Mortgage
$813/mo
#2

Corpus Christi, TX

MSA Pop: 0.4M
Modeled 2026 monthly surplus
$3,641
Modeled 2026 Gross Salary
$106,754
BEA 2024 RPP
92.7
Est. Mortgage
$1,153/mo
#3

El Paso, TX

MSA Pop: 0.9M
Modeled 2026 monthly surplus
$3,615
Modeled 2026 Gross Salary
$104,068
BEA 2024 RPP
89.9
Est. Mortgage
$1,022/mo
#4

Tulsa, OK

MSA Pop: 1.0M
Modeled 2026 monthly surplus
$3,593
Modeled 2026 Gross Salary
$111,059
BEA 2024 RPP
89.2
Est. Mortgage
$1,022/mo
#5

San Antonio, TX

MSA Pop: 2.6M
Modeled 2026 monthly surplus
$3,537
Modeled 2026 Gross Salary
$110,341
BEA 2024 RPP
94.7
Est. Mortgage
$1,468/mo
#6

Dayton, OH

MSA Pop: 0.8M
Modeled 2026 monthly surplus
$3,448
Modeled 2026 Gross Salary
$106,436
BEA 2024 RPP
92.7
Est. Mortgage
$917/mo
#7

Memphis, TN

MSA Pop: 1.3M
Modeled 2026 monthly surplus
$3,441
Modeled 2026 Gross Salary
$102,459
BEA 2024 RPP
92.2
Est. Mortgage
$1,101/mo
#8

Little Rock, AR

MSA Pop: 0.7M
Modeled 2026 monthly surplus
$3,389
Modeled 2026 Gross Salary
$107,297
BEA 2024 RPP
89.4
Est. Mortgage
$1,022/mo
#9

Cleveland, OH

MSA Pop: 2.0M
Modeled 2026 monthly surplus
$3,300
Modeled 2026 Gross Salary
$105,636
BEA 2024 RPP
93.9
Est. Mortgage
$1,022/mo
#10

Oklahoma City, OK

MSA Pop: 1.4M
Modeled 2026 monthly surplus
$3,222
Modeled 2026 Gross Salary
$105,657
BEA 2024 RPP
90.4
Est. Mortgage
$1,101/mo
#11

Wichita, KS

MSA Pop: 0.6M
Modeled 2026 monthly surplus
$3,153
Modeled 2026 Gross Salary
$101,475
BEA 2024 RPP
88.9
Est. Mortgage
$944/mo
#12

Akron, OH

MSA Pop: 0.7M
Modeled 2026 monthly surplus
$3,153
Modeled 2026 Gross Salary
$100,983
BEA 2024 RPP
93.4
Est. Mortgage
$917/mo
#13

Houston, TX

MSA Pop: 7.1M
Modeled 2026 monthly surplus
$3,135
Modeled 2026 Gross Salary
$106,169
BEA 2024 RPP
98.6
Est. Mortgage
$1,625/mo
#14

Stockton, CA

MSA Pop: 0.8M
Modeled 2026 monthly surplus
$3,061
Modeled 2026 Gross Salary
$126,065
BEA 2024 RPP
105.1
Est. Mortgage
$2,202/mo
#15

Fresno, CA

MSA Pop: 1.0M
Modeled 2026 monthly surplus
$3,054
Modeled 2026 Gross Salary
$119,607
BEA 2024 RPP
102.2
Est. Mortgage
$1,887/mo
#16

Dallas, TX

MSA Pop: 7.6M
Modeled 2026 monthly surplus
$2,999
Modeled 2026 Gross Salary
$108,763
BEA 2024 RPP
103.1
Est. Mortgage
$1,913/mo
#17

Austin, TX

MSA Pop: 2.3M
Modeled 2026 monthly surplus
$2,981
Modeled 2026 Gross Salary
$125,101
BEA 2024 RPP
98.1
Est. Mortgage
$2,883/mo
#18

Las Vegas, NV

MSA Pop: 2.2M
Modeled 2026 monthly surplus
$2,975
Modeled 2026 Gross Salary
$113,283
BEA 2024 RPP
100.2
Est. Mortgage
$2,202/mo
#19

Indianapolis, IN

MSA Pop: 2.1M
Modeled 2026 monthly surplus
$2,939
Modeled 2026 Gross Salary
$102,582
BEA 2024 RPP
95.7
Est. Mortgage
$1,363/mo
#20

New Orleans, LA

MSA Pop: 1.3M
Modeled 2026 monthly surplus
$2,929
Modeled 2026 Gross Salary
$105,083
BEA 2024 RPP
92.6
Est. Mortgage
$1,363/mo