Quick answer
✅ Yes — comfortably. A physical therapist in Plano earns roughly $99,710/yr (~$6,178/mo take-home) and a 1BR costs $1,400/mo — that's 23% of take-home on rent. The standard is 30% or less.
TX · 2026
Can a Physical Therapist Afford to Live in Plano?
Using local salary estimates and Plano's actual cost of living — rent, taxes, utilities, and groceries — here's the real monthly picture for a physical therapist in Plano, TX in 2026.
Monthly Budget Breakdown
Gross monthly salary
$99,710/yr local estimate
$8,309
Taxes (federal + state + FICA)
None state income tax
-$2,131
Monthly take-home
After all taxes
$6,178
1BR rent
23% of take-home
-$1,400
Utilities
Electric, gas, internet avg
-$155
Groceries
Single-person estimate
-$310
Transport
Car or transit average
-$350
Left for everything else
Dining, clothing, fun, savings
$3,963
At a 40% savings rate on discretionary income, a physical therapist in Plano could save roughly $19,020/year after covering all essentials.
What Does 23% Rent Burden Mean?
The standard rule of thumb is to spend no more than 30% of gross income on rent. At 23% of take-home pay, a physical therapist in Plano is well within a healthy range — leaving solid room for savings and discretionary spending.
No state income tax in TX meaningfully helps. A physical therapist earning $99,710/yr saves roughly $4,487/year compared to a 4.5% state income tax state — that's equivalent to one month of rent.
These numbers use a local salary estimate of $99,710/yr — adjusted from the national Physical Therapist median of $99,710/yr based on Plano's cost of living index. Actual salaries vary by employer, experience, and specialization.
Best Neighborhoods in Plano for a Physical Therapist
Based on walkability, rent levels, and quality of life — not just lowest price.
Downtown Plano / Legacy District
Being redeveloped with new lofts and shops. Walkable core (Walk Score 68). $1,500-1,800/month 1BR. Younger professionals. Still under-construction vibe.
Central Plano
Established, tree-lined, family-friendly. Parks and pools. Homes $450-600K. Schools are top-rated. 5-10 minute drive to downtown. Middle to upper-middle class.
North Plano
Newer suburbs (1990s-2000s). Subdivisions with HOAs and playgrounds. Homes $425-550K. Schools are good. 15-20 minute drive to downtown. Families with young kids.
Frequently Asked Questions
What is the average salary for a Physical Therapist in Plano?
A Physical Therapist in Plano earns approximately $99,710 per year, based on the national BLS median of $99,710/yr adjusted for Plano's cost of living. Actual pay varies by employer, experience, and specialization.
Is Plano affordable for a physical therapist in 2026?
Yes. Rent takes around 23% of take-home pay — below the 30% guideline. A physical therapist can live comfortably in Plano with room to save.
How much take-home pay does a Physical Therapist get in Plano?
After federal taxes, no state income tax, and FICA, a Physical Therapist earning $99,710/yr takes home roughly $6,178/month in Plano.
What is the rent-to-income ratio for a Physical Therapist in Plano?
A 1-bedroom apartment in Plano costs a median of $1,400/month. On a Physical Therapist salary, that's 23% of monthly take-home pay. Financial experts recommend keeping this below 30%.