Last updated: 2025 BLS data · Page refreshed:
How much does a Physical Therapists actually take home in New Jersey?
Progressive (up to 10.8%) — 26.8% effective total tax rateData: BLS OEWS 2025 + IRS/State Tax Brackets 2024 • Updated 2026-05-19
Detailed line-by-line tax calculation for a Physical Therapists earning $112,140 in New Jersey (single filer, standard deduction).
| Tax Component | Annual Amount | Effective Rate |
|---|---|---|
| Gross Salary (Median) | $112,140 | — |
| Federal Income Tax | -$16,511 | 14.7% |
| New Jersey State Income Tax | -$5,017 | 4.5% |
| Social Security (OASDI) | -$6,952 | 6.2% |
| Medicare | -$1,626 | 1.4% |
| Total Taxes | -$30,107 | 26.8% |
| Take-Home Pay | $82,032 | 73.2% |
Take-home pay varies significantly across experience levels. Here is the after-tax breakdown for each salary percentile of Physical Therapists in New Jersey.
| Percentile | Gross Salary | Total Taxes | Take-Home Pay | Tax Rate |
|---|---|---|---|---|
| 10th Percentile (P10) | $84,640 | -$20,202 | $64,437 | 23.9% |
| 25th Percentile (P25) | $96,730 | -$24,556 | $72,173 | 25.4% |
| Median (P50) | $112,140 | -$30,107 | $82,032 | 26.8% |
| 75th Percentile (P75) | $129,780 | -$36,754 | $93,025 | 28.3% |
| 90th Percentile (P90) | $140,040 | -$40,655 | $99,384 | 29.0% |
After federal income tax ($16,511), state tax ($5,017), and FICA ($8,578), a Physical Therapists in New Jersey takes home $82,032 per year — or $6,836 per month. The effective tax rate of 26.8% is moderate compared to the national range.
A Physical Therapists in New Jersey loses 26.8% of gross pay to taxes — higher than the ~25% national midpoint. Of the $112,140 gross, $82,032 lands in the paycheck after federal ($16,512), state ($5,017), and FICA ($8,579) withholding.
New Jersey uses a progressive state income tax, so brackets escalate as wages rise. For this Physical Therapists salary the state tax works out to $5,017 (4.5% effective) — on top of federal and FICA.
Federal tax on this Physical Therapists salary is $16,512 (55%), but combined state ($5,017, 17%) + FICA ($8,579, 28%) make up the other 45% of the bill.
Moving this same Physical Therapists salary to a zero-state-tax state would yield around $87,049 net — a gain of $5,017 (6.1%) per year versus New Jersey.
For Physical Therapists after-tax pay, New Jersey ranks #6 of 51 states — top quartile. High gross wages or low state-tax burden (or both) drive the strong ranking.
Translated into paycheck cadences, $82,032 net/year works out to $6,836/month or $3,155/bi-weekly for this Physical Therapists in New Jersey — the numbers that actually hit a checking account after every deduction.
Where does a Physical Therapists keep the most of their paycheck? Top 10 states ranked by after-tax take-home pay.
New Jersey ranks #6 out of 51 states for Physical Therapists after-tax take-home pay.
A Physical Therapists in New Jersey earning a median salary of $112,140 will take home approximately $82,032 per year after federal income tax ($16,511), state income tax ($5,017), and FICA ($8,578). That is $6,836 per month or $3,155 per bi-weekly paycheck.
The effective total tax rate for a Physical Therapists in New Jersey is 26.8%, broken down as: federal income tax 14.7%, New Jersey state tax 4.5%, and FICA (Social Security + Medicare) 7.6%. This assumes a single filer with the standard deduction for 2024.
New Jersey has a progressive (up to 10.8%). On a Physical Therapists's median salary of $112,140, the state income tax amounts to $5,017 per year, which is an effective state rate of 4.5%.
After all taxes, a Physical Therapists in New Jersey takes home approximately $6,836 per month, or about $39.44 per hour (based on a standard 2,080-hour work year). These figures assume a single filer, standard deduction, and no additional pre-tax deductions.
We start with the 2025 BLS median salary of $112,140 for Physical Therapists in New Jersey, then subtract: federal income tax using 2024 IRS brackets ($14,600 standard deduction), New Jersey state income tax (progressive (up to 10.8%)), Social Security (6.2% up to $168,600), and Medicare (1.45%). The result — $82,032/yr — does not include local taxes, pre-tax deductions (401k, HSA), or tax credits.
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This estimate assumes a single filer using the 2024 standard deduction ($14,600), with W-2 employment income only. It does not account for: itemized deductions, tax credits (e.g. earned income credit, child tax credit), local/city taxes, pre-tax contributions (401k, HSA, FSA), self-employment tax, or additional income sources. Actual take-home pay may differ. Consult a tax professional for personalized advice.
Our Methodology · Data Sources · Salary: BLS OEWS · Tax: IRS + State DOR