Occupational Therapists Salary
Occupational Therapists in Saginaw, MI make a median of $96,070 a year, or about $46.19 an hour. The range runs from $78K at the entry level to $190K for experienced workers. Cost of living is below average (RPP 90.89), which stretches that salary to about $105,699 in buying power. Rent on a 2-bedroom averages $1,117/month, or 18.4% of estimated take-home pay.
So what does $96K get you in Saginaw?
Groceries, utilities, transportation, and healthcare scaled from national averages by Saginaw’s Regional Price Parity (90.89). Rent from HUD Fair Market Rents. Taxes estimated for single filer, standard deduction. * Healthcare is the employee-paid share only (premiums + out-of-pocket). Actual costs vary by coverage type: employer-sponsored, ACA marketplace, or uninsured.
About occupational therapists
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What this looks like in Saginaw
Occupational therapists pay in Saginaw tracks closely to the national median, $96K locally vs. $100K nationwide, a 4% difference. Housing is manageable: a 2-bedroom at the HUD median costs $1,117/month, 18.6% of take-home, well inside the 30% guideline. Regional Price Parity sits at 90.89 (national = 100), meaning everyday costs run about 9% cheaper here. Your dollar stretches further than the headline salary suggests. Use the affordability calculator above to model your specific situation.
Compared to nearby metros
Median pay for occupational therapists in metros near Saginaw, adjusted for local cost of living.
| Metro | Median pay | COL-adjusted |
|---|---|---|
| Detroit-Warren-Dearborn | $90K | $89K |
| Grand Rapids-Wyoming-Kentwood | $94K | $99K |
| Ann Arbor | $96K | $95K |
| Flint | $86K | $92K |
COL-adjusted = median salary ÷ (BEA Regional Price Parity ÷ 100). Expresses purchasing power in national-average dollars.
Compensation breakdown
Annual earnings by percentile, Saginaw, MI
Entry-level occupational therapists (10th percentile) start around $78K. Mid-career wages sit at $96K. Top earners bring in $190K or more, a $112K spread from bottom to top.
Occupational Therapists pay across states
Median income ranked highest to lowest, compared to the national figure
View Occupational Therapists salary in all states
| State | Median salary | vs. national | Employment |
|---|---|---|---|
| California | $125K | +24% | 13,810 |
| Oregon | $112K | +12% | 1,170 |
| Nevada | $111K | +10% | 1,080 |
| District of Columbia | $109K | +9% | 540 |
| Washington | $108K | +7% | 3,340 |
| Maryland | $107K | +7% | 2,390 |
| Colorado | $107K | +6% | 3,390 |
| Arkansas | $106K | +6% | 2,160 |
| Texas | $106K | +6% | 13,400 |
| Oklahoma | $104K | +4% | 1,180 |
| Georgia | $104K | +4% | 3,650 |
| Alaska | $104K | +3% | 410 |
| Arizona | $104K | +3% | 2,680 |
| New Jersey | $103K | +3% | 6,290 |
| Hawaii | $103K | +3% | 390 |
| Connecticut | $102K | +2% | 3,150 |
| Delaware | $102K | +2% | 490 |
| South Carolina | $101K | +1% | 1,840 |
| Massachusetts | $101K | +1% | 6,510 |
| Virginia | $101K | +0% | 4,150 |
| Rhode Island | $100K | -0% | 770 |
| Illinois | $100K | -1% | 7,710 |
| Ohio | $99K | -1% | 6,760 |
| Florida | $99K | -1% | 10,650 |
| New Mexico | $99K | -1% | 1,030 |
| Kansas | $99K | -1% | 1,560 |
| Louisiana | $98K | -2% | 2,060 |
| Pennsylvania | $98K | -2% | 6,560 |
| Idaho | $98K | -3% | 840 |
| Tennessee | $98K | -3% | 2,490 |
| Kentucky | $98K | -3% | 2,190 |
| Missouri | $97K | -3% | 3,400 |
| Utah | $97K | -3% | 1,030 |
| Indiana | $97K | -3% | 3,830 |
| New York | $96K | -4% | 11,690 |
| West Virginia | $96K | -4% | 700 |
| Mississippi | $95K | -5% | 1,340 |
| Alabama | $94K | -6% | 1,500 |
| Nebraska | $94K | -7% | 1,500 |
| Vermont | $93K | -7% | 320 |
| Minnesota | $93K | -7% | 3,670 |
| North Carolina | $93K | -7% | 4,490 |
| Wisconsin | $92K | -8% | 3,710 |
| Iowa | $90K | -10% | 1,290 |
| Michigan | $90K | -10% | 5,120 |
| Montana | $89K | -11% | 420 |
| Wyoming | $86K | -14% | 350 |
| South Dakota | $85K | -15% | 490 |
| Maine | $84K | -16% | 1,120 |
| New Hampshire | $84K | -16% | 1,240 |
| North Dakota | $83K | -17% | 570 |
Showing 1–10 of 51 (all 50 states + DC)
Track occupational therapists salary changes
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Related careers in Healthcare
Frequently asked questions
Can a occupational therapist afford a 2BR apartment alone in Saginaw?
Yes — at the median salary of $96K, rent takes 18.6% of take-home pay. A 2-bedroom at the HUD Fair Market Rent runs $1,117/month. That stays under the 30% guideline most financial planners use.
What’s the entry-level salary for occupational therapists in Saginaw?
The 10th-percentile wage — what new occupational therapists typically earn — is $78K/year. Take-home on that works out to about $4,659/month. At HUD’s $1,117/month FMR, rent would take 24% of that take-home — manageable on an entry-level income.
Is occupational therapist a high-paying job in Saginaw?
Pay here is roughly in line with the national average — $96K locally vs. $100K nationally, a 4% difference.
How does Saginaw compare to the national average for occupational therapists?
Saginaw pays $96K median vs. the U.S. average of $100K — that’s -4%. After adjusting for local cost of living (RPP 90.89), the purchasing-power equivalent is $106K — still ahead of the national median.
How much do occupational therapists make in Saginaw, MI?
The median is $96,070 a year, that works out to about $46 an hour. But the range is wide: entry-level workers start around $77,650, and experienced occupational therapists can clear $190,030. These are BLS numbers, based on employer-reported data, not self-reported surveys.
Is $96K enough to live in Saginaw?
On that salary, you'd take home roughly $5,991/month after taxes. A 2-bedroom here rents for about $1,117/month, which eats 18.6% of your paycheck. That's under the 30% guideline most financial planners use, so the numbers work.
How far does a occupational therapists salary go in Saginaw?
Saginaw has a Regional Price Parity of 90.89 (100 is the national average). That's below average, your money stretches further here than the raw salary number suggests. After cost-of-living adjustment, the median occupational therapists salary is worth about $105,699 in national-average purchasing power.
Where do occupational therapists get paid the most?
The table above ranks every state by median pay for this role. Keep in mind that the highest-paying states tend to have the highest costs of living, so the top salary doesn't always mean the most money in your pocket.