Quick answer
🟡 Yes, but tightly. A physical therapist in Eugene earns roughly $99,710/yr (~$5,472/mo take-home) and a 1BR costs $1,400/mo — that's 26% of take-home on rent. The standard is 30% or less.
OR · 2026
Can a Physical Therapist Afford to Live in Eugene?
Using local salary estimates and Eugene's actual cost of living — rent, taxes, utilities, and groceries — here's the real monthly picture for a physical therapist in Eugene, OR in 2026.
Monthly Budget Breakdown
Gross monthly salary
$99,710/yr local estimate
$8,309
Taxes (federal + state + FICA)
9.9% (top) state income tax
-$2,837
Monthly take-home
After all taxes
$5,472
1BR rent
26% of take-home
-$1,400
Utilities
Electric, gas, internet avg
-$145
Groceries
Single-person estimate
-$415
Transport
Car or transit average
-$350
Left for everything else
Dining, clothing, fun, savings
$3,162
At a 40% savings rate on discretionary income, a physical therapist in Eugene could save roughly $15,180/year after covering all essentials.
What Does 26% Rent Burden Mean?
The standard rule of thumb is to spend no more than 30% of gross income on rent. At 26% of take-home pay, a physical therapist in Eugene is near the limit. Livable, but there's little buffer for emergencies or lifestyle upgrades.
These numbers use a local salary estimate of $99,710/yr — adjusted from the national Physical Therapist median of $99,710/yr based on Eugene's cost of living index. Actual salaries vary by employer, experience, and specialization.
Best Neighborhoods in Eugene for a Physical Therapist
Based on walkability, rent levels, and quality of life — not just lowest price.
Whiteaker
Historic neighborhood, artistic, bohemian, walkable, diverse income levels. Best walkability and character in Eugene. Near downtown.
University Neighborhood
Adjacent to University of Oregon, younger demographic, students, walkable, more noise and party scene on weekends.
Friendly
Residential, family-oriented, tree-canopy, walkable, slower than downtown, good for families seeking quiet.
Frequently Asked Questions
What is the average salary for a Physical Therapist in Eugene?
A Physical Therapist in Eugene earns approximately $99,710 per year, based on the national BLS median of $99,710/yr adjusted for Eugene's cost of living. Actual pay varies by employer, experience, and specialization.
Is Eugene affordable for a physical therapist in 2026?
Manageable. Rent takes 26% of take-home, which is right at the limit. A physical therapist can make it work but should keep other expenses lean.
How much take-home pay does a Physical Therapist get in Eugene?
After federal taxes, 9.9% (top) state income tax, and FICA, a Physical Therapist earning $99,710/yr takes home roughly $5,472/month in Eugene.
What is the rent-to-income ratio for a Physical Therapist in Eugene?
A 1-bedroom apartment in Eugene costs a median of $1,400/month. On a Physical Therapist salary, that's 26% of monthly take-home pay. Financial experts recommend keeping this below 30%.