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Physical Therapist Salary in Pensacola, FL β€” 2026 Guide

Estimated salaries are adjusted for Pensacola's cost of living (index: 94). National data from BLS OEWS 2024; city adjustments reflect local market conditions.

Physical Therapist Salary in Pensacola β€” Key Numbers

$93,727
Median Salary
$76,469
25th Percentile
$111,681
75th Percentile
$130,613
90th Percentile
National median (Physical Therapist)$99,710
vs. National median-6.0%
Pensacola median household income$57,000
vs. City household income+64.4%

Cost of Living in Pensacola

Cost of Living Index
94(100 = avg)
Median Monthly Rent$1,200/mo
Rent-to-Income Ratio15.4%
Annual rent cost$14,400
Median Home Price$290,000
Home Price / Salary3.1Γ—
20% Down Payment$58,000
Years to save (20% rate)3.1 yrs

Rent-to-income below 28% is considered affordable; above 35% is cost-burdened. Home price multiple below 3Γ— is affordable; above 5Γ— is expensive by traditional guidelines.

Job Market in Pensacola

3.3%
Unemployment Rate
510,000
Metro Population
24 min
Avg Commute
38.5
Median Age

Pensacola has a metro population of 510,000, offering a sizeable job market with strong opportunities across key sectors. The 3.3% unemployment rate is below the national average, suggesting a tight labor market favorable to job seekers.

Frequently Asked Questions

How much does a Physical Therapist make in Pensacola, FL?

The estimated median salary for a Physical Therapist in Pensacola is $93,727 per year (2026). This is derived from the national BLS median of $99,710 adjusted by Pensacola's cost of living index (94). The typical salary range runs from $76,469 (25th percentile) to $111,681 (75th percentile), with top earners reaching $130,613.

Is Pensacola affordable for a Physical Therapist?

On a $93,727 annual salary, a Physical Therapist in Pensacola would spend approximately 15.4% of gross monthly income on median rent ($1,200/month). This is well within the 28% affordability threshold, making Pensacola relatively affordable for this profession. The median home price of $290,000 is 3.1Γ— the annual salary.

How does a Physical Therapist's salary compare to Pensacola's overall income?

Pensacola's median household income is $57,000. A Physical Therapist earning the city-adjusted median of $93,727 earns 64.4% more than the typical Pensacola household β€” placing them solidly in the middle-to-upper income tier for the city.

Salary data from U.S. Bureau of Labor Statistics (BLS) OEWS, 2024 release. City salary estimates adjusted by cost of living index. City data from Census Bureau, BLS, Zillow, and ApartmentAdvisor (2024–2025). Last updated: March 2026.