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MODELED MONTHLY SURPLUS

Top 20 cities for Physical 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 29-1123 Physical 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
$3,971
Modeled 2026 Gross Salary
$106,579
BEA 2024 RPP
85.9
Est. Mortgage
$813/mo
#2

Corpus Christi, TX

MSA Pop: 0.4M
Modeled 2026 monthly surplus
$3,757
Modeled 2026 Gross Salary
$108,732
BEA 2024 RPP
92.7
Est. Mortgage
$1,153/mo
#3

El Paso, TX

MSA Pop: 0.9M
Modeled 2026 monthly surplus
$3,655
Modeled 2026 Gross Salary
$104,745
BEA 2024 RPP
89.9
Est. Mortgage
$1,022/mo
#4

Memphis, TN

MSA Pop: 1.3M
Modeled 2026 monthly surplus
$3,444
Modeled 2026 Gross Salary
$102,500
BEA 2024 RPP
92.2
Est. Mortgage
$1,101/mo
#5

San Antonio, TX

MSA Pop: 2.6M
Modeled 2026 monthly surplus
$3,438
Modeled 2026 Gross Salary
$108,660
BEA 2024 RPP
94.7
Est. Mortgage
$1,468/mo
#6

Dayton, OH

MSA Pop: 0.8M
Modeled 2026 monthly surplus
$3,420
Modeled 2026 Gross Salary
$105,913
BEA 2024 RPP
92.7
Est. Mortgage
$917/mo
#7

Fresno, CA

MSA Pop: 1.0M
Modeled 2026 monthly surplus
$3,418
Modeled 2026 Gross Salary
$126,915
BEA 2024 RPP
102.2
Est. Mortgage
$1,887/mo
#8

Akron, OH

MSA Pop: 0.7M
Modeled 2026 monthly surplus
$3,385
Modeled 2026 Gross Salary
$105,267
BEA 2024 RPP
93.4
Est. Mortgage
$917/mo
#9

Houston, TX

MSA Pop: 7.1M
Modeled 2026 monthly surplus
$3,383
Modeled 2026 Gross Salary
$110,392
BEA 2024 RPP
98.6
Est. Mortgage
$1,625/mo
#10

Cleveland, OH

MSA Pop: 2.0M
Modeled 2026 monthly surplus
$3,353
Modeled 2026 Gross Salary
$106,631
BEA 2024 RPP
93.9
Est. Mortgage
$1,022/mo
#11

Las Vegas, NV

MSA Pop: 2.2M
Modeled 2026 monthly surplus
$3,333
Modeled 2026 Gross Salary
$119,392
BEA 2024 RPP
100.2
Est. Mortgage
$2,202/mo
#12

Detroit, MI

MSA Pop: 4.3M
Modeled 2026 monthly surplus
$3,188
Modeled 2026 Gross Salary
$105,544
BEA 2024 RPP
100.3
Est. Mortgage
$1,179/mo
#13

Tulsa, OK

MSA Pop: 1.0M
Modeled 2026 monthly surplus
$3,177
Modeled 2026 Gross Salary
$103,361
BEA 2024 RPP
89.2
Est. Mortgage
$1,022/mo
#14

Indianapolis, IN

MSA Pop: 2.1M
Modeled 2026 monthly surplus
$3,151
Modeled 2026 Gross Salary
$106,364
BEA 2024 RPP
95.7
Est. Mortgage
$1,363/mo
#15

Little Rock, AR

MSA Pop: 0.7M
Modeled 2026 monthly surplus
$3,127
Modeled 2026 Gross Salary
$102,438
BEA 2024 RPP
89.4
Est. Mortgage
$1,022/mo
#16

Stockton, CA

MSA Pop: 0.8M
Modeled 2026 monthly surplus
$3,125
Modeled 2026 Gross Salary
$127,366
BEA 2024 RPP
105.1
Est. Mortgage
$2,202/mo
#17

Dallas, TX

MSA Pop: 7.6M
Modeled 2026 monthly surplus
$3,099
Modeled 2026 Gross Salary
$110,474
BEA 2024 RPP
103.1
Est. Mortgage
$1,913/mo
#18

Pittsburgh, PA

MSA Pop: 2.3M
Modeled 2026 monthly surplus
$3,065
Modeled 2026 Gross Salary
$100,194
BEA 2024 RPP
94.7
Est. Mortgage
$1,101/mo
#19

Wichita, KS

MSA Pop: 0.6M
Modeled 2026 monthly surplus
$3,064
Modeled 2026 Gross Salary
$99,835
BEA 2024 RPP
88.9
Est. Mortgage
$944/mo
#20

Oklahoma City, OK

MSA Pop: 1.4M
Modeled 2026 monthly surplus
$3,036
Modeled 2026 Gross Salary
$102,223
BEA 2024 RPP
90.4
Est. Mortgage
$1,101/mo