How much does a Physical Therapist make in Montana?

The average Physical Therapist salary in Montana is around $98,000 per year. After federal taxes, FICA, and Montana state taxes, your estimated take-home pay is approximately $72,857 annually ($6,071/month).

What is the take-home pay for a Physical Therapist in Montana?

On a $98,000 salary in Montana, your take-home pay is approximately $72,857/year or $6,071/month. Federal tax: $12,730. State tax: $4,917. FICA: $0.00.

Is $98,000 a good Physical Therapist salary?

$98,000 is a competitive salary for a Physical Therapist — above the national median. In Montana, demand for this role is active.

How do Montana taxes affect Physical Therapist salaries?

Montana levies state income tax on top of federal taxes. Your estimated state tax on $98,000 is $4,917. Your total effective tax rate is approximately 25.7%.

What are the career growth prospects for Physical Therapists?

15% growth through 2032 (much faster than average). Related roles include: Sports PT, Orthopedic PT, Neurological PT, Pediatric PT, PT Assistant.

How can a Physical Therapist in Montana reduce their tax bill?

Maximize your 401(k) contribution ($24,500 in 2026) to reduce taxable income. An HSA ($4,400 single / $8,750 family) adds further pre-tax savings. These strategies can save thousands annually — use our calculator to see your exact savings.

Healthcare

Physical Therapist Salary in Montana (2026)

The average Physical Therapist in Montana earns around $98,000/year. After taxes, your estimated take-home is $72,857/year ($6,071/month).

Take-Home Pay Breakdown

Category	Amount
Annual Take-Home Pay	$72,857
Monthly Take-Home Pay	$6,071
Biweekly Take-Home Pay	$2,802
Hourly Take-Home Pay based on 2,080 hrs/year	$35/hr
Federal Tax	$12,730
State Tax	$4,917
FICA Taxes	$7,497
Effective Tax Rate total taxes ÷ gross salary	25.66%

Estimates only — not tax advice. · Full disclaimer →

Want to model 401(k), HSA, or pre-tax contributions against your full salary? Open the salary calculator →

1099 contract work or side gigs? Self-employment tax adds 15.3% on top. Open the 1099 tax calculator →

Got a year-end bonus, sign-on, or retention payout? See the bonus calculator →

Working overtime? The 2025 OBBBA deduction may save you up to $12,500 on federal tax. Open the No Tax on Overtime calculator →

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Physical Therapist Salary Ranges in Montana

Entry Level (0–3 yrs)

$78,000

/year

See tax breakdown →

Mid Level (3–7 yrs)

$98,000

/year

See tax breakdown →

Senior Level (7+ yrs)

$135,000

/year

See tax breakdown →

Not all Physical Therapists earn the same — not even close

Montana's physical therapy market is anchored by University of Montana School of Physical Therapy & Rehabilitation Science Missoula (the only MT DPT-granting institution + ~40 DPTs annually + the substantial UM PT Rural Track), Montana State University Bozeman PT-related health sciences, Billings Clinic + Logan Health Kalispell Rehab (post-2024 merger rehab network), Bozeman Health Deaconess Rehab + St Vincent Healthcare Billings + Benefis Great Falls Rehab + St Patrick Hospital Missoula + Community Medical Center Missoula rehab, the substantial MT post-Big Sky ski injury rehab (Big Sky Resort + Yellowstone Club + Whitefish + Bridger Bowl + the substantial Yellowstone NPS + Glacier NPS recreation injury rehab), the substantial MT WWAMI rural rehab access + IHS reservation PT (Blackfeet + Crow + Northern Cheyenne IHS), plus MT PT Compact since 2017 enabling multi-state mobility.

Senior PT (Billings Clinic / Logan Health)

$78,000–$118,000+ bonus

Billings Clinic + Logan Health · the only MT Level 1 + post-2024 merger rehab network

Senior PT (Bozeman Health / St Vincent / Benefis)

$72,000–$108,000+ bonus

Bozeman Health + St Vincent + Benefis + St Patrick · acute + outpatient rehab

Senior PT Owner / Independent Practice

$92,000–$155,000+ profit

PT clinic owner · the substantial MT outpatient ortho + sports + manual therapy

Senior Sports PT (Big Sky / Yellowstone Club)

$78,000–$128,000+ bonus

Big Sky Resort + Yellowstone Club + Whitefish + Bridger Bowl ski injury rehab

Senior Pediatric PT

$68,000–$102,000

Pediatric PT at Billings + Bozeman + the substantial MT pediatric PT

Senior Home Health PT

$68,000–$102,000

Home health PT at Billings Clinic Home Health + Logan + LHC Group MT

Senior IHS Reservation PT

$72,000–$108,000+ loan repayment

Blackfeet + Crow + Northern Cheyenne IHS · NHSC + LRP

Senior Federal Civilian PT (VA Fort Harrison)

$72,000–$105,000

VA Montana Health Care Fort Harrison Helena · GS-12/13 federal civilian PT

Mid-Career PT (3-7 yrs)

$58,000–$82,000

Functional PT at MT health systems · transitioning to senior band

New PT (Step 1-2)

$55,000–$72,000

New grad PT at MT health systems + private practice · entry band

Worth knowing: Big Sky Resort + Yellowstone Club + Whitefish + Bridger Bowl ski injury orthopedic rehab is one of the country's distinctive concentrated US single-state UHNW resort recreation injury PT anchor and a feature most national PT surveys understate for MT. The substantial MT recreation injury rehab (Big Sky Resort the substantial post-2020 Big Sky $400M+ Boyne Resorts expansion + Yellowstone Club private ski resort + Whitefish Mountain Resort + Bridger Bowl + the substantial MT post-2020 ski + snowboard injury rehab + the substantial post-Yellowstone NPS + Glacier NPS hiking + climbing injury + the substantial MT outdoor recreation industry + the substantial post-2020 Big Sky + Whitefish + Bozeman + Kalispell UHNW migration driving substantial MT outpatient ortho + sports PT demand) supports distinctive MT sports + recreation PT work. Senior MT sports PTs clear $78-128K+ bonus. UM School of Physical Therapy Missoula as the only MT DPT-granting institution + MSU Bozeman health sciences + the substantial UM PT Rural Track WWAMI rural rehab. Billings Clinic + Logan Health post-2024 merger rehab + Bozeman Health + St Vincent + Benefis + St Patrick + Community Medical Center. MT PT Compact since 2017 supports multi-state PT mobility. MT flat 5.9% + MT 0% sales tax anchor the MT PT proposition.