Physical therapist · Chattanooga, TN

Physical therapist in Chattanooga: $3,485/mo left

BLS OEWS May 2025 puts the median physical therapist wage in Chattanooga at $99,120 a year. About 520 physical therapist jobs are in the metro. The job is about the same share of local employment as nationwide (location quotient 1.12). The 10th percentile is $73,210 and the 90th is $125,410. Pay ranks 247th-highest of 384 metros with a published median for this job. Pay is 7.3× a year of one-bedroom rent ($1,137/mo). Tennessee has no state income tax. At this pay, one adult in a one-bedroom keeps $3,485 a month after tax and rent. The best nearby metro for this job is Gadsden, about 79 miles away, at $3,936 left over a month.

Source: BLS OEWS May 2025.

Left over each month

$3,485

1 adult, 1 bd

Pay

$99,120

$73,210 to $125,410

Rent (1 bd)

$1,137

$1,354 (2 bd)

Employment

520

Location quotient 1.12

Pay rank

247th of 384

Metros with a published median

Pay vs rent

7.3×

Annual pay ÷ a year of 1 bd rent

Where the money goes

1 adult, 1 bd, physical therapist pay of $99,120.

Taxes$1,750
Rent$1,137
Other living costs$1,888
Left over$3,485

Pay and tax, per year

Gross household pay: $99,120
Federal income tax: −$13,420
Social Security and Medicare: −$7,583
State income tax (TN): None
Take-home pay: $78,117
Effective tax rate: 21.2%

Living costs, per month

Rent, 1br: $1,137
Groceries: $368
Getting around: $554
Healthcare: $414
Utilities and internet: $230
Everything else: $322
Total spending: $3,025

Left over each month

$8,260 gross, minus $1,750 in tax and $3,025 in living costs.

$3,485

Rank every metro for a physical therapist

Same job. Local pay. After tax and rent. Best nearby: Gadsden, $3,936/mo.

Physical therapist leftover by city →Best cities for physical therapists to move to →

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Questions

What does a physical therapist make in Chattanooga?

$99,120 a year. That figure is the BLS OEWS May 2025 median for the metro. About 520 physical therapist jobs are in the metro.

What is left after tax and rent for a physical therapist in Chattanooga?

$3,485 a month for one adult in a one-bedroom. Tennessee has no state income tax Rent is $1,137, and pay covers 7.3× a year of it.

Where nearby would a physical therapist keep more?

Gadsden, about 79 miles away, leaves $3,936 a month, more than Chattanooga.