Physical Therapist Salary in Toledo, OH (2026)
Median Physical Therapist salary in Toledo is approximately $84,500/year — 12.0% below the US national average.
Salary breakdown — Toledo
After-tax estimate
| City | Cost mult. | Estimated annual | vs Toledo |
|---|---|---|---|
| Birmingham, AL | 0.88× | $84,500 | +$0 |
| Lubbock, TX | 0.88× | $84,500 | +$0 |
| Memphis, TN | 0.89× | $85,400 | +$900 |
| Oklahoma City, OK | 0.89× | $85,400 | +$900 |
| Lincoln, NE | 0.89× | $85,400 | +$900 |
Physical Therapist salaries in Toledo, OH
The estimated median Physical Therapist salary in Toledo, Ohio is $84,500/year, working out to approximately $41/hour at full-time, $3,250 per biweekly paycheck, or $7,042/month before taxes. Toledo's cost-of-living multiplier of 0.88× national reflects local prices, housing costs, and employer concentration in this metro area.
Compared to the Ohio state average for this role ($87,400), Toledo pays about $2,900 less. This typically reflects how the metro area's cost of living and employer density differ from the state as a whole.
Take-home pay in Toledo
Of the gross $84,500, you take home roughly $59,868 after:
- Federal income tax (~14% effective at this income)
- FICA — Social Security 6.2% + Medicare 1.45% = 7.65%
- Ohio state income tax (~5% effective)
- Toledo local tax: 2.50% — significant for Toledo workers
That works out to about $4,989/month after-tax — useful for budgeting rent (typically 25–35% of net income), savings (15–20% target), and other expenses. For an exact calculation including 401(k), HSA, and your filing status, use our Toledo Paycheck Calculator.
What affects your actual pay
- Experience: entry-level often 25–35% below median; senior roles 40–60%+ above.
- Specific employer: top-tier employers in Toledo pay 10–25% above market for the same role.
- Industry: a Software Engineer at a tech company in Toledo typically out-earns one at a non-tech employer.
- Negotiation: simply negotiating an offer can shift comp by 5–15%.
- Education and credentials: degrees and licenses (especially for healthcare, legal, engineering) can move comp by 15–30%.
- Remote vs in-office: many Toledo employers now base pay on cost of living, with remote workers in cheaper metros paid less.
Related calculators
Physical Therapist Salary in Ohio — state-level average. Salary Calculator — convert hourly ↔ annual. Toledo Paycheck Calculator — exact take-home. Income Tax Calculator — federal tax with brackets. Investment Calculator — long-term portfolio growth.