Quick answer
🟡 Yes, but tightly. A occupational therapist in Richmond earns roughly $93,066/yr (~$5,320/mo take-home) and a 1BR costs $1,320/mo — that's 25% of take-home on rent. The standard is 30% or less.
VA · 2026
Can an Occupational Therapist Afford to Live in Richmond?
Using local salary estimates and Richmond's actual cost of living — rent, taxes, utilities, and groceries — here's the real monthly picture for an occupational therapist in Richmond, VA in 2026.
Monthly Budget Breakdown
Gross monthly salary
$93,066/yr local estimate
$7,756
Taxes (federal + state + FICA)
5.75% state income tax
-$2,436
Monthly take-home
After all taxes
$5,320
1BR rent
25% of take-home
-$1,320
Utilities
Electric, gas, internet avg
-$145
Groceries
Single-person estimate
-$345
Transport
Car or transit average
-$350
Left for everything else
Dining, clothing, fun, savings
$3,160
At a 40% savings rate on discretionary income, a occupational therapist in Richmond could save roughly $15,168/year after covering all essentials.
What Does 25% Rent Burden Mean?
The standard rule of thumb is to spend no more than 30% of gross income on rent. At 25% of take-home pay, a occupational therapist in Richmond is near the limit. Livable, but there's little buffer for emergencies or lifestyle upgrades.
These numbers use a local salary estimate of $93,066/yr — adjusted from the national Occupational Therapist median of $96,370/yr based on Richmond's cost of living index. Actual salaries vary by employer, experience, and specialization.
Best Neighborhoods in Richmond for a Occupational Therapist
Based on walkability, rent levels, and quality of life — not just lowest price.
The Fan / Carytown
Victorian row houses, VCU energy, independent retail, most desirable; 1BR $1,300–1,700
Scott's Addition
20+ breweries, converted warehouses, restaurants, young professionals; 1BR $1,300–1,800
Church Hill
Historic, panoramic downtown views, gentrifying, artists, oldest neighborhood; 1BR $1,100–1,500
Frequently Asked Questions
What is the average salary for a Occupational Therapist in Richmond?
A Occupational Therapist in Richmond earns approximately $93,066 per year, based on the national BLS median of $96,370/yr adjusted for Richmond's cost of living. Actual pay varies by employer, experience, and specialization.
Is Richmond affordable for a occupational therapist in 2026?
Manageable. Rent takes 25% of take-home, which is right at the limit. A occupational therapist can make it work but should keep other expenses lean.
How much take-home pay does a Occupational Therapist get in Richmond?
After federal taxes, 5.75% state income tax, and FICA, a Occupational Therapist earning $93,066/yr takes home roughly $5,320/month in Richmond.
What is the rent-to-income ratio for a Occupational Therapist in Richmond?
A 1-bedroom apartment in Richmond costs a median of $1,320/month. On a Occupational Therapist salary, that's 25% of monthly take-home pay. Financial experts recommend keeping this below 30%.