Physical therapist · Waterloo, IA

Physical therapist in Waterloo: $3,578/mo left

BLS OEWS May 2025 puts the median physical therapist wage in Waterloo at $97,180 a year. About 120 physical therapist jobs are in the metro. The job is a smaller share of local employment than nationwide (location quotient 0.85). The 10th percentile is $74,860 and the 90th is $119,240. Pay ranks 308th-highest of 384 metros with a published median for this job. Pay is 10.3× a year of one-bedroom rent ($788/mo). Iowa charges a 3.80% flat income tax. At this pay, one adult in a one-bedroom keeps $3,578 a month after tax and rent. The best nearby metro for this job is Springfield, about 236 miles away, at $4,220 left over a month.

Source: BLS OEWS May 2025.

Left over each month

$3,578

1 adult, 1 bd

Pay

$97,180

$74,860 to $119,240

Rent (1 bd)

$788

$938 (2 bd)

Employment

120

Location quotient 0.85

Pay rank

308th of 384

Metros with a published median

Pay vs rent

10.3×

Annual pay ÷ a year of 1 bd rent

Where the money goes

1 adult, 1 bd, physical therapist pay of $97,180.

Taxes$1,964
Rent$788
Other living costs$1,769
Left over$3,578

Pay and tax, per year

Gross household pay: $97,180
Federal income tax: −$12,994
Social Security and Medicare: −$7,434
State income tax (IA): −$3,138
Take-home pay: $73,614
Effective tax rate: 24.2%

Living costs, per month

Rent, 1br: $788
Groceries: $347
Getting around: $510
Healthcare: $391
Utilities and internet: $217
Everything else: $304
Total spending: $2,557

Left over each month

$8,098 gross, minus $1,964 in tax and $2,557 in living costs.

$3,578

Rank every metro for a physical therapist

Same job. Local pay. After tax and rent. Best nearby: Springfield, $4,220/mo.

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

Physical therapist nearby

Questions

What does a physical therapist make in Waterloo?

$97,180 a year. That figure is the BLS OEWS May 2025 median for the metro. About 120 physical therapist jobs are in the metro.

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

$3,578 a month for one adult in a one-bedroom. Iowa charges a 3.80% flat income tax Rent is $788, and pay covers 10.3× a year of it.

Where nearby would a physical therapist keep more?

Springfield, about 236 miles away, leaves $4,220 a month, more than Waterloo.