Physician · Santa Cruz, CA

Physician in Santa Cruz: $8,197/mo left

BLS OEWS May 2025 did not publish a metro or state median for a physician in Santa Cruz. Pay is estimated at $234,500 from the national median and this metro's overall wage level. On the pay used here, Santa Cruz ranks 63rd-highest of 387 metros. Pay is 7.4× a year of one-bedroom rent ($2,638/mo). California taxes wage income on a bracket schedule. At this pay, one adult in a one-bedroom keeps $8,197 a month after tax and rent. The best nearby metro for this job is San Francisco, about 55 miles away, at $11,746 left over a month.

Source: BLS OEWS May 2025.

Left over each month

$8,197

1 adult, 1 bd

Pay

$234,500

Estimated

Rent (1 bd)

$2,638

$3,141 (2 bd)

Employment

Not published

Pay rank

63rd of 387

Includes estimated pay

Pay vs rent

7.4×

Annual pay ÷ a year of 1 bd rent

Where the money goes

1 adult, 1 bd, physician pay of $234,500.

Taxes$6,647
Rent$2,638
Other living costs$2,059
Left over$8,197

Pay and tax, per year

Gross household pay: $234,500
Federal income tax: −$47,303
Social Security and Medicare: −$14,629
State income tax (CA): −$17,836
Take-home pay: $154,732
Effective tax rate: 34.0%

Living costs, per month

Rent, 1br: $2,638
Groceries: $433
Getting around: $489
Healthcare: $487
Utilities and internet: $271
Everything else: $379
Total spending: $4,697

Left over each month

$19,542 gross, minus $6,647 in tax and $4,697 in living costs.

$8,197

Rank every metro for a physician

Same job. Local pay. After tax and rent. Best nearby: San Francisco, $11,746/mo.

Physician leftover by city →Best cities for physicians to move to →

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Questions

What does a physician make in Santa Cruz?

$234,500 a year. That figure is the an estimate, because BLS OEWS May 2025 did not publish a metro or state median.

What is left after tax and rent for a physician in Santa Cruz?

$8,197 a month for one adult in a one-bedroom. California taxes wage income on a bracket schedule Rent is $2,638, and pay covers 7.4× a year of it.

Where nearby would a physician keep more?

San Francisco, about 55 miles away, leaves $11,746 a month, more than Santa Cruz.