Occupational Therapists Salary
Occupational Therapists in Waterloo-Cedar Falls, IA make a median of $98,240 a year, or about $47.23 an hour. The range runs from $75K at the entry level to $116K for experienced workers. Cost of living is below average (RPP 87.06), which stretches that salary to about $112,842 in buying power. Rent on a 2-bedroom averages $1,051/month, or 16.9% of estimated take-home pay.
Where the paycheck goes
What $98K actually covers in Waterloo-Cedar Falls, month by month
Groceries, utilities, transportation, and healthcare scaled from national averages by Waterloo-Cedar Falls’s Regional Price Parity (87.06). 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 Waterloo-Cedar Falls
Occupational therapists pay in Waterloo-Cedar Falls tracks closely to the national median, $98K locally vs. $100K nationwide, a 2% difference. Housing is manageable: a 2-bedroom at the HUD median costs $1,051/month, 17.4% of take-home, well inside the 30% guideline. Regional Price Parity sits at 87.06 (national = 100), meaning everyday costs run about 13% 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 Waterloo-Cedar Falls, adjusted for local cost of living.
| Metro | Median pay | COL-adjusted |
|---|---|---|
| Des Moines-West Des Moines | $79K | $86K |
| Davenport-Moline-Rock Island | $87K | $98K |
| Cedar Rapids | $80K | $90K |
| Iowa City | $92K | $100K |
COL-adjusted = median salary ÷ (BEA Regional Price Parity ÷ 100). Expresses purchasing power in national-average dollars.
Compensation breakdown
Annual earnings by percentile, Waterloo-Cedar Falls, IA
Entry-level occupational therapists (10th percentile) start around $75K. Mid-career wages sit at $98K. Top earners bring in $116K or more, a $41K 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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Quick answers
The stuff people actually ask about this job
Can a occupational therapist afford a 2BR apartment alone in Waterloo-Cedar Falls?
Yes — at the median salary of $98K, rent takes 17.4% of take-home pay. A 2-bedroom at the HUD Fair Market Rent runs $1,051/month. That stays under the 30% guideline most financial planners use.
What’s the entry-level salary for occupational therapists in Waterloo-Cedar Falls?
The 10th-percentile wage — what new occupational therapists typically earn — is $75K/year. Take-home on that works out to about $4,763/month. At HUD’s $1,051/month FMR, rent would take 22% of that take-home — manageable on an entry-level income.
Is occupational therapist a high-paying job in Waterloo-Cedar Falls?
Pay here is roughly in line with the national average — $98K locally vs. $100K nationally, a 2% difference.
How does Waterloo-Cedar Falls compare to the national average for occupational therapists?
Waterloo-Cedar Falls pays $98K median vs. the U.S. average of $100K — that’s -2%. After adjusting for local cost of living (RPP 87.06), the purchasing-power equivalent is $113K — still ahead of the national median.
How much do occupational therapists make in Waterloo-Cedar Falls, IA?
The median is $98,240 a year, that works out to about $47 an hour. But the range is wide: entry-level workers start around $74,770, and experienced occupational therapists can clear $116,190. These are BLS numbers, based on employer-reported data, not self-reported surveys.
Is $98K enough to live in Waterloo-Cedar Falls?
On that salary, you'd take home roughly $6,027/month after taxes. A 2-bedroom here rents for about $1,051/month, which eats 17.4% 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 Waterloo-Cedar Falls?
Waterloo-Cedar Falls has a Regional Price Parity of 87.06 (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 $112,842 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.