Quick answer
✅ Yes — comfortably. A physical therapist in Oklahoma City earns roughly $81,762/yr (~$4,742/mo take-home) and a 1BR costs $920/mo — that's 19% of take-home on rent. The standard is 30% or less.
OK · 2026
Can a Physical Therapist Afford to Live in Oklahoma City?
Using local salary estimates and Oklahoma City's actual cost of living — rent, taxes, utilities, and groceries — here's the real monthly picture for a physical therapist in Oklahoma City, OK in 2026.
Monthly Budget Breakdown
Gross monthly salary
$81,762/yr local estimate
$6,814
Taxes (federal + state + FICA)
4.75% state income tax
-$2,072
Monthly take-home
After all taxes
$4,742
1BR rent
19% of take-home
-$920
Utilities
Electric, gas, internet avg
-$155
Groceries
Single-person estimate
-$320
Transport
Car or transit average
-$350
Left for everything else
Dining, clothing, fun, savings
$2,997
At a 40% savings rate on discretionary income, a physical therapist in Oklahoma City could save roughly $14,388/year after covering all essentials.
What Does 19% Rent Burden Mean?
The standard rule of thumb is to spend no more than 30% of gross income on rent. At 19% of take-home pay, a physical therapist in Oklahoma City is well within a healthy range — leaving solid room for savings and discretionary spending.
These numbers use a local salary estimate of $81,762/yr — adjusted from the national Physical Therapist median of $99,710/yr based on Oklahoma City's cost of living index. Actual salaries vary by employer, experience, and specialization.
Best Neighborhoods in Oklahoma City for a Physical Therapist
Based on walkability, rent levels, and quality of life — not just lowest price.
Midtown
Most walkable OKC, renovated bungalows, restaurants and bars, young professionals; 1BR $950–1,300
Paseo Arts District
Galleries, murals, independent coffee, First Friday art walk; 1BR $900–1,200
Mesta Park / Heritage Hills
Historic mansions, tree-lined streets, quiet, beautiful architecture; 1BR $900–1,200
Frequently Asked Questions
What is the average salary for a Physical Therapist in Oklahoma City?
A Physical Therapist in Oklahoma City earns approximately $81,762 per year, based on the national BLS median of $99,710/yr adjusted for Oklahoma City's cost of living. Actual pay varies by employer, experience, and specialization.
Is Oklahoma City affordable for a physical therapist in 2026?
Yes. Rent takes around 19% of take-home pay — below the 30% guideline. A physical therapist can live comfortably in Oklahoma City with room to save.
How much take-home pay does a Physical Therapist get in Oklahoma City?
After federal taxes, 4.75% state income tax, and FICA, a Physical Therapist earning $81,762/yr takes home roughly $4,742/month in Oklahoma City.
What is the rent-to-income ratio for a Physical Therapist in Oklahoma City?
A 1-bedroom apartment in Oklahoma City costs a median of $920/month. On a Physical Therapist salary, that's 19% of monthly take-home pay. Financial experts recommend keeping this below 30%.