Physical therapist · St. Cloud, MN

Physical therapist in St. Cloud: $3,284/mo left

BLS OEWS May 2025 puts the median physical therapist wage in St. Cloud at $98,660 a year. About 180 physical therapist jobs are in the metro. The job is about the same share of local employment as nationwide (location quotient 1.00). The 10th percentile is $75,700 and the 90th is $123,790. Pay ranks 264th-highest of 384 metros with a published median for this job. Pay is 8.3× a year of one-bedroom rent ($986/mo). Minnesota taxes wage income on a bracket schedule. At this pay, one adult in a one-bedroom keeps $3,284 a month after tax and rent. The best nearby metro for this job is Waterloo, about 234 miles away, at $3,578 left over a month.

Source: BLS OEWS May 2025.

Left over each month

$3,284

1 adult, 1 bd

Pay

$98,660

$75,700 to $123,790

Rent (1 bd)

$986

$1,174 (2 bd)

Employment

180

Location quotient 1.00

Pay rank

264th of 384

Metros with a published median

Pay vs rent

8.3×

Annual pay ÷ a year of 1 bd rent

Where the money goes

1 adult, 1 bd, physical therapist pay of $98,660.

Taxes$2,176
Rent$986
Other living costs$1,776
Left over$3,284

Pay and tax, per year

Gross household pay: $98,660
Federal income tax: −$13,319
Social Security and Medicare: −$7,547
State income tax (MN): −$5,246
Take-home pay: $72,548
Effective tax rate: 26.5%

Living costs, per month

Rent, 1br: $986
Groceries: $352
Getting around: $500
Healthcare: $396
Utilities and internet: $220
Everything else: $308
Total spending: $2,762

Left over each month

$8,222 gross, minus $2,176 in tax and $2,762 in living costs.

$3,284

Rank every metro for a physical therapist

Same job. Local pay. After tax and rent. Best nearby: Waterloo, $3,578/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 St. Cloud?

$98,660 a year. That figure is the BLS OEWS May 2025 median for the metro. About 180 physical therapist jobs are in the metro.

What is left after tax and rent for a physical therapist in St. Cloud?

$3,284 a month for one adult in a one-bedroom. Minnesota taxes wage income on a bracket schedule Rent is $986, and pay covers 8.3× a year of it.

Where nearby would a physical therapist keep more?

Waterloo, about 234 miles away, leaves $3,578 a month, more than St. Cloud.