Occupational Therapist Salary in Philadelphia, PA
Occupational Therapists in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD metro area earn a median $103,140 a year — 3% more than the national median. After 2026 taxes, that is $78,223 take-home, or $6,519 a month.
Take-home pay calculator
Pre-filled with the median occupational therapist salary in Philadelphia, PA. Enter your own offer to see your paycheck.
- Federal income tax$13,861
- Social Security (6.2%)$6,395
- Medicare (1.45%)$1,496
- Pennsylvania income tax$3,166
- Take-home pay$78,223
Marginal rate: 22% federal + 3.07% state
Living in Philadelphia? City residents also pay Philadelphia’s Resident Wage Tax — about $3,857 a year on this salary — which lowers take-home pay to $74,365 ($6,197 a month). Choose “Philadelphia” under City income tax in the calculator. Suburban residents usually don’t pay it.
The Philadelphia-Camden-Wilmington, PA-NJ-DE-MD metro spans Pennsylvania, New Jersey, Delaware, Maryland. Pick the state you live in — state income tax follows your residence.
Got an offer somewhere else? Compare it with this one after taxes and rent →
Occupational Therapist pay by experience in Philadelphia, PA
| Percentile | Salary | Hourly | Take-home / yr | Per month |
|---|---|---|---|---|
| 10th percentile (entry level) | $77,130 | $37.08 | $60,723 | $5,060 |
| 25th percentile | $86,490 | $41.58 | $67,020 | $5,585 |
| Median (50th) | $103,140 | $49.59 | $78,223 | $6,519 |
| 75th percentile | $120,270 | $57.82 | $89,748 | $7,479 |
| 90th percentile (top earners) | $131,670 | $63.30 | $97,220 | $8,102 |
Wages: BLS Occupational Employment and Wage Statistics, May 2025. Take-home: single filer, Pennsylvania resident, 2026 tax rules.
What $103,140 buys in Philadelphia, PA
Prices in Philadelphia, PA are 2.6% higher than the U.S. average (housing costs are 1.13× the national average). Adjusted for local prices, a median occupational therapist's $78,223 take-home pay has the buying power of $76,275 in a typical American city.
Rents: HUD Fair Market Rents, FY2026 (40th-percentile gross rent incl. utilities). Price levels: BEA Regional Price Parities, 2024.
Occupational Therapist jobs are about as common in Philadelphia, PA as in the U.S. overall (location quotient 1.13).
Best-paying cities for occupational therapists, adjusted for cost of living
Philadelphia, PA ranks #3 of 10 metro areas once taxes and local prices are taken into account.
| # | Metro area | Median salary | Take-home | Real value* |
|---|---|---|---|---|
| 1 | Houston, TX | $103,580 | $81,699 | $82,834 |
| 2 | Dallas, TX | $106,110 | $83,478 | $80,976 |
| 3 | Philadelphia, PA | $103,140 | $78,223 | $76,275 |
| 4 | Los Angeles, CA | $122,040 | $85,974 | $75,704 |
| 5 | Chicago, IL | $99,860 | $74,283 | $71,705 |
| 6 | Miami, FL | $101,480 | $80,221 | $70,274 |
| 7 | Boston, MA | $101,940 | $75,668 | $69,891 |
| 8 | Washington, DC | $102,960 | $75,479 | $69,321 |
*Take-home pay divided by the BEA price level, so every city is measured in U.S.-average dollars. See all 10 metros →
About the job: occupational therapists
Assess, plan, and organize rehabilitative programs that help build or restore vocational, homemaking, and daily living skills, as well as general independence, to persons with disabilities or developmental delays. Use therapeutic techniques, adapt the individual’s environment, teach skills, and modify specific tasks that present barriers to the individual.
- Typical education
- Master's degree
- Work experience
- None required
- On-the-job training
- None
- Job outlook, 2025–35
- +14.8% (much faster than average)
Source: BLS Standard Occupational Classification and Employment Projections, 2025–35.
Frequently asked questions
How much does a occupational therapist make in Philadelphia, PA?
The median occupational therapist salary in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD metro area is $103,140 a year, or about $49.59 an hour, according to the Bureau of Labor Statistics (May 2025). The middle half earn between $86,490 and $120,270.
What is a occupational therapist’s take-home pay in Philadelphia, PA?
On the median $103,140 salary, a single filer living in Pennsylvania takes home about $78,223 a year ($6,519 a month) after federal tax, Social Security, Medicare and $3,166 in Pennsylvania taxes in 2026.
Is Philadelphia, PA a good place to work as a occupational therapist?
Pay here is 3% above the national median of $100,330. Local prices are 2.6% above the U.S. average, so the take-home pay buys what $76,275 would in a typical U.S. city. Philadelphia, PA ranks #3 of 10 metro areas for cost-of-living-adjusted pay in this job.
Can a occupational therapist afford rent in Philadelphia, PA?
HUD’s fair market rent for a one-bedroom in Philadelphia, PA is $1,520 a month ($1,810 for two bedrooms) — 23% of a median occupational therapist’s monthly take-home pay. Financial planners usually suggest keeping rent under about 30%.
Related jobs in Philadelphia, PA
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- Physical Therapist — $105,790
- Registered Nurse — $101,180
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