Occupational Therapists Salary
Occupational Therapists in Santa Cruz-Watsonville, CA make a median of $130,420 a year, or about $62.7 an hour. The range runs from $98K at the entry level to $157K for experienced workers. Prices run high here (RPP 109.9), so that salary is closer to $118,672 in real purchasing power. A 2-bedroom apartment runs $4,214/month, about 54.7% of take-home, which is tight.
So what does $130K get you in Santa Cruz-Watsonville?
Groceries, utilities, transportation, and healthcare scaled from national averages by Santa Cruz-Watsonville’s Regional Price Parity (109.9). 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
Sponsored links, AffordMap may earn a commission at no cost to you. Learn more
What this looks like in Santa Cruz-Watsonville
Santa Cruz-Watsonville sits well above the national pay line for occupational therapists, local pay runs about 30% higher than the U.S. median of $100K. The catch: housing math doesn't keep up. A 2-bedroom at the HUD median rents for $4,214/month, which is 55.2% of the median worker's take-home, past the 30% guideline most planners use. Cost-of-living overall is 10% above the national average (BEA RPP 109.9), so groceries and services cost more too. The pay premium is real, but so are the offsets.
Compared to nearby metros
Median pay for occupational therapists in metros near Santa Cruz-Watsonville, adjusted for local cost of living.
| Metro | Median pay | COL-adjusted |
|---|---|---|
| Los Angeles-Long Beach-Anaheim | $122K | $107K |
| San Diego-Chula Vista-Carlsbad | $122K | $109K |
| San Francisco-Oakland-Fremont | $137K | $118K |
| Riverside-San Bernardino-Ontario | $120K | $112K |
COL-adjusted = median salary ÷ (BEA Regional Price Parity ÷ 100). Expresses purchasing power in national-average dollars.
Compensation breakdown
Annual earnings by percentile, Santa Cruz-Watsonville, CA
Entry-level occupational therapists (10th percentile) start around $98K. Mid-career wages sit at $130K. Top earners bring in $157K or more, a $59K 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
BLS updates this data quarterly. We'll email you when Santa Cruz-Watsonville numbers change.
Related careers in Healthcare
Frequently asked questions
Can a occupational therapist afford a 2BR apartment alone in Santa Cruz-Watsonville?
It’s a stretch — at the median salary of $130K, rent takes 55.2% of take-home pay. A 2-bedroom at the HUD Fair Market Rent runs $4,214/month. The 30% guideline puts the comfortable ceiling at roughly $2,300/month in rent — so roommates or a 1-bedroom would ease the math significantly.
What’s the entry-level salary for occupational therapists in Santa Cruz-Watsonville?
The 10th-percentile wage — what new occupational therapists typically earn — is $98K/year. Take-home on that works out to about $5,874/month. At HUD’s $4,214/month FMR, rent would take 72% of that take-home — above the 30% guideline, so a 1-bedroom or shared housing is likely necessary starting out.
Is occupational therapist a high-paying job in Santa Cruz-Watsonville?
Local pay is 30% above the national median — $130K here vs. $100K nationally. Keep in mind cost of living here is 10% above the national average, which offsets some of that premium.
How does Santa Cruz-Watsonville compare to the national average for occupational therapists?
Santa Cruz-Watsonville pays $130K median vs. the U.S. average of $100K — that’s +30%. After adjusting for local cost of living (RPP 109.9), the purchasing-power equivalent is $119K — still ahead of the national median.
How much do occupational therapists make in Santa Cruz-Watsonville, CA?
The median is $130,420 a year, that works out to about $63 an hour. But the range is wide: entry-level workers start around $97,900, and experienced occupational therapists can clear $157,390. These are BLS numbers, based on employer-reported data, not self-reported surveys.
Is $130K enough to live in Santa Cruz-Watsonville?
On that salary, you'd take home roughly $7,636/month after taxes. A 2-bedroom here rents for about $4,214/month, which eats 55.2% of your paycheck. That's above the 30% rule of thumb, housing will be a stretch at the median salary, though you can manage with roommates or a smaller place.
How far does a occupational therapists salary go in Santa Cruz-Watsonville?
Santa Cruz-Watsonville has a Regional Price Parity of 109.9 (100 is the national average). Prices are above average here, so your dollar buys less than the same salary would in a cheaper metro. After cost-of-living adjustment, the median occupational therapists salary is worth about $118,672 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.