Physical Therapist Salary in Louisville, KY
Physical Therapists in Louisville, KY earn a median of $60,000/year, ranging from $46,200 (25th percentile) to $96,000 (90th percentile). After Kentucky state taxes (4%) and cost-of-living adjustments (COL index 87), this is equivalent to $68,966 in purchasing power vs the US average.
On the ground in Louisville, KY
Physical therapists in Louisville work across a healthcare ecosystem anchored by UofL Health and KentuckyOne Health, which operate multiple facilities throughout the metro and regularly hire for outpatient and inpatient roles. The cost of living here helps your salary stretch further than in coastal metros - a two-bedroom apartment in the Highlands or Butchertown neighborhoods runs around $1,200 to $1,400 monthly, making it feasible to build savings on a mid-career PT income. Getting around depends on your location; downtown and the medical districts are moderately walkable, but most therapists rely on a car to move between satellite clinics across the sprawling metro. Kentucky's relatively low state income tax of roughly 4% means your take-home stays noticeably larger than in higher-tax states, a real advantage when comparing regional offers.
1Salary Distribution in Louisville, KY
2Estimated Take-Home & Purchasing Power
* Estimates only. Does not include federal income tax, 401k, health insurance, or local taxes. Use the Salary Calculator for a detailed breakdown.
How Does Louisville, KY Compare?
| City | Median | COL Index | COL-Adjusted |
|---|---|---|---|
| Louisville, KY (current) | $60,000 | 87 | $68,966 |
| San Francisco, CA | $105,000 | 186 | $56,452 |
| New York, NY | $101,000 | 187 | $54,011 |
| Seattle, WA | $102,000 | 162 | $62,963 |
| Boston, MA | $93,000 | 162 | $57,407 |
| Austin, TX | $84,000 | 124 | $67,742 |
4Frequently Asked Questions
What is the average Physical Therapist salary in Louisville, KY?
The median Physical Therapist salary in Louisville, KY is $60,000 per year as of 2026 BLS OEWS data. The 25th percentile is $46,200 and the 90th percentile is $96,000.
Is Louisville, KY a good place to work as a Physical Therapist?
Louisville, KY has a cost of living index of 87 (US average = 100). After adjusting for cost of living, a $60,000 Physical Therapist salary in Louisville, KY is equivalent to $68,966 in purchasing power compared to the US average.
What is the cost of living adjustment for Louisville, KY?
Louisville, KY has a cost of living index of 87, meaning it is 13% less expensive than the US average. The state income tax rate in Kentucky is approximately 4%.
What is the Physical Therapist salary range in Louisville, KY?
In Louisville, KY, Physical Therapists earn between $46,200 (25th percentile) and $96,000 (90th percentile), with a median of $60,000 per year.
How many Physical Therapist jobs are there in Louisville, KY?
According to BLS OEWS data, there are approximately 15,000 Physical Therapist positions in the Louisville, KY metropolitan area.
What do Physical Therapists earn in Louisville, KY?
Based on BLS OEWS 2026 data, Physical Therapists in Louisville, KY earn a median annual wage of $60,000. The middle 50% earn between $46,200 and $76,800. The top 10% earn more than $96,000. There are approximately 15,000 Physical Therapists employed in the Louisville, KY metro area, with annual job growth estimated at 3.2%.
Is Louisville, KY a good place for a Physical Therapist?
Louisville, KY has a cost of living index of 87 (US average = 100), making it 13% less expensive than the national average. After adjusting for cost of living, a Physical Therapist in Louisville, KY earning $60,000has the equivalent purchasing power of $68,966 relative to the US median. Kentucky has a state income tax rate of approximately 4%.
What is the cost of living adjustment for Louisville, KY?
Louisville, KY's cost of living index is 87, based on composite data including housing, food, transportation, healthcare, and utilities. This means that $60,000 in Louisville, KYhas the same purchasing power as $68,966 in a city at exactly the US average cost of living. Housing is typically the largest driver of cost of living differences between metros.
Compare Louisville, KY with Another City
See a detailed side-by-side comparison of salary, taxes, and purchasing power.
5Should You Work as a Physical Therapist in Louisville, KY?
The headline median of $60,000 is only part of the picture. Louisville, KY's cost of living index is 87 (US average = 100), meaning a dollar here goes further than in most of the country. The $60,000 salary has the purchasing power of roughly $68,966 at national-average prices — a real premium for moving to a lower-cost market.
Housing is the single biggest driver of cost-of-living differences between metros. In Louisville, KY, housing costs fall closer to the national average of 25–30% of gross income, leaving more room in the budget for savings, transportation, and discretionary spending. For a $60,000 salary, that translates to roughly $16,800/year on housing alone.
State tax plays a meaningful but smaller role. Kentucky levies a state income tax of approximately 4%, which reduces take-home by roughly $2,400 per year on this salary. States with zero income tax (Texas, Florida, Washington, Tennessee, Nevada) offer a structural advantage, but often offset it with higher sales tax or property tax. After state tax and approximate federal FICA (~7.6%), the estimated take-home is $53,222. This excludes federal income tax, which varies by filing status and deductions.
For comparison, here are nearby alternatives: San Francisco, CA ($105,000 median, COL 186); New York, NY ($101,000 median, COL 187); Seattle, WA ($102,000 median, COL 162). If you're optimizing for purchasing power, compare the COL-adjusted column in the table above and pick the highest number. If you're optimizing for career progression, weight total employment and yearly growth in the role — larger markets offer more lateral moves and promotion velocity, even when nominal pay is lower.
The 3.2% year-over-year growth rate for Physical Therapists in Louisville, KY is a leading indicator of market health. Healthy growth at a steady pace — enough to support mobility but not so fast that compensation is racing ahead of credentials. For side-by-side comparisons, try the full city ranking for Physical Therapists or the Kentucky state overview.
Data source: U.S. Bureau of Labor Statistics, Occupational Employment and Wage Statistics (OEWS) Program. All figures are approximate annual estimates based on the most recent available BLS data. Actual salaries may vary based on experience, education, employer size, and specific role. Cost-of-living data represents composite indices from publicly available metropolitan area data.