Physical Therapists Salary
The median pay for a physical therapists in St. Cloud, MN is $98,660/year ($47.43/hour), per BLS data. The range runs from $76K at the entry level to $124K for experienced workers. Cost of living is below average (RPP 87.63), which stretches that salary to about $112,587 in buying power. Rent on a 2-bedroom averages $1,206/month, or 19.5% of estimated take-home pay.
So what does $99K get you in St. Cloud?
Groceries, utilities, transportation, and healthcare scaled from national averages by St. Cloud’s Regional Price Parity (87.63). 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 physical therapists
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What this looks like in St. Cloud
Physical therapists pay in St. Cloud tracks closely to the national median, $99K locally vs. $103K nationwide, a 4% difference. Housing is manageable: a 2-bedroom at the HUD median costs $1,206/month, 20% of take-home, well inside the 30% guideline. Regional Price Parity sits at 87.63 (national = 100), meaning everyday costs run about 12% 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 physical therapists in metros near St. Cloud, adjusted for local cost of living.
| Metro | Median pay | COL-adjusted |
|---|---|---|
| Minneapolis-St. Paul-Bloomington | $102K | $98K |
| Rochester | $100K | $110K |
| Duluth | $97K | $109K |
| Mankato | $101K | $111K |
COL-adjusted = median salary ÷ (BEA Regional Price Parity ÷ 100). Expresses purchasing power in national-average dollars.
Compensation breakdown
Annual earnings by percentile, St. Cloud, MN
Entry-level physical therapists (10th percentile) start around $76K. Mid-career wages sit at $99K. Top earners bring in $124K or more, a $48K spread from bottom to top.
Physical Therapists pay across states
Median income ranked highest to lowest, compared to the national figure
View Physical Therapists salary in all states
| State | Median salary | vs. national | Employment |
|---|---|---|---|
| California | $124K | +21% | 26,580 |
| Alaska | $115K | +12% | 680 |
| New Jersey | $112K | +9% | 9,750 |
| Nevada | $111K | +8% | 2,030 |
| Maryland | $107K | +4% | 3,940 |
| New Mexico | $107K | +4% | 1,330 |
| Washington | $106K | +3% | 5,370 |
| Texas | $106K | +3% | 21,870 |
| Illinois | $105K | +2% | 9,800 |
| Connecticut | $104K | +2% | 4,060 |
| Massachusetts | $104K | +1% | 6,850 |
| Oregon | $104K | +1% | 3,210 |
| Arizona | $103K | +0% | 5,170 |
| Ohio | $103K | +0% | 10,280 |
| Georgia | $103K | -0% | 6,780 |
| Delaware | $102K | -1% | 1,260 |
| Colorado | $102K | -1% | 5,630 |
| Minnesota | $102K | -1% | 5,180 |
| Wisconsin | $102K | -1% | 5,580 |
| Hawaii | $102K | -1% | 950 |
| District of Columbia | $102K | -1% | 610 |
| Indiana | $102K | -1% | 6,130 |
| Virginia | $101K | -1% | 7,630 |
| Pennsylvania | $101K | -1% | 11,710 |
| South Carolina | $101K | -1% | 3,930 |
| Florida | $101K | -2% | 16,290 |
| Michigan | $101K | -2% | 8,630 |
| Kentucky | $101K | -2% | 3,390 |
| New York | $101K | -2% | 20,940 |
| Wyoming | $100K | -2% | 560 |
| Tennessee | $100K | -3% | 4,800 |
| Mississippi | $100K | -3% | 1,980 |
| North Carolina | $100K | -3% | 7,350 |
| Utah | $100K | -3% | 2,300 |
| New Hampshire | $100K | -3% | 1,960 |
| Maine | $100K | -3% | 1,860 |
| Rhode Island | $99K | -3% | 1,020 |
| Missouri | $99K | -3% | 4,900 |
| Arkansas | $99K | -4% | 2,680 |
| Idaho | $99K | -4% | 1,030 |
| Oklahoma | $99K | -4% | 2,560 |
| Louisiana | $99K | -4% | 3,280 |
| Kansas | $98K | -4% | 2,660 |
| Vermont | $98K | -5% | 760 |
| Iowa | $98K | -5% | 2,530 |
| Alabama | $97K | -5% | 3,040 |
| Nebraska | $97K | -6% | 2,140 |
| West Virginia | $97K | -6% | 1,310 |
| South Dakota | $93K | -10% | 1,060 |
| Montana | $91K | -11% | 1,180 |
| North Dakota | $85K | -17% | 830 |
Showing 1–10 of 51 (all 50 states + DC)
Track physical therapists salary changes
BLS updates this data quarterly. We'll email you when St. Cloud numbers change.
Related careers in Healthcare
Frequently asked questions
Can a physical therapist afford a 2BR apartment alone in St. Cloud?
Yes — at the median salary of $99K, rent takes 20% of take-home pay. A 2-bedroom at the HUD Fair Market Rent runs $1,206/month. That stays under the 30% guideline most financial planners use.
What’s the entry-level salary for physical therapists in St. Cloud?
The 10th-percentile wage — what new physical therapists typically earn — is $76K/year. Take-home on that works out to about $4,542/month. At HUD’s $1,206/month FMR, rent would take 27% of that take-home — manageable on an entry-level income.
Is physical therapist a high-paying job in St. Cloud?
Pay here is roughly in line with the national average — $99K locally vs. $103K nationally, a 4% difference.
How does St. Cloud compare to the national average for physical therapists?
St. Cloud pays $99K median vs. the U.S. average of $103K — that’s -4%. After adjusting for local cost of living (RPP 87.63), the purchasing-power equivalent is $113K — still ahead of the national median.
How much do physical therapists make in St. Cloud, MN?
The median is $98,660 a year, that works out to about $47 an hour. But the range is wide: entry-level workers start around $75,700, and experienced physical therapists can clear $123,790. These are BLS numbers, based on employer-reported data, not self-reported surveys.
Is $99K enough to live in St. Cloud?
On that salary, you'd take home roughly $6,043/month after taxes. A 2-bedroom here rents for about $1,206/month, which eats 20% of your paycheck. That's under the 30% guideline most financial planners use, so the numbers work.
How far does a physical therapists salary go in St. Cloud?
St. Cloud has a Regional Price Parity of 87.63 (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 physical therapists salary is worth about $112,587 in national-average purchasing power.
Where do physical 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.