Physician Salary 2026 — Take-Home Pay by State
Physicians diagnose and treat illnesses, injuries, and other health conditions. They work in hospitals, private practices, clinics, and research institutions across all medical specialties.
US Average
$255,820
BLS, May 2025
Best State (Net)
$236,612
Rhode Island
Take-Home TX
$191,441
on $262,580 · No state tax
Job Growth
4%
Source: BLS, May 2025 · Family Medicine Physicians (SOC 29-1215)
Key Facts — Physician 2026
Highest-paid profession in the US — median $248,000+ for general surgeons
Medical school debt averages $200,000; loan forgiveness programs exist
Rural and underserved areas offer signing bonuses of $50,000–$150,000
Many states have physician shortages, especially in primary care
Additional Medicare tax (3.8%) applies at physician income levels
US Pay Range
Pay percentiles for Physicians across the US (BLS, May 2025), with the estimated take-home in Texas.
Bottom 10%
$76,830
gross/year
Est. take-home (TX):
$62,880
25th percentile
$162,420
gross/year
Est. take-home (TX):
$122,280
Median
$244,180
gross/year
Est. take-home (TX):
$179,361
75th percentile
$334,270
gross/year
Est. take-home (TX):
$236,647
Top 10%
$428,550
gross/year
Est. take-home (TX):
$295,713
Specialties & Salary Premiums
| Specialty | Est. Salary | Premium |
|---|---|---|
| Orthopedic Surgery | $438,960 | +77% |
| Cardiology | $389,360 | +57% |
| Radiology | $379,440 | +53% |
| Anesthesiology | $357,120 | +44% |
| Emergency Medicine | $292,640 | +18% |
| Family Medicine | $218,240 | -12% |
Best States for Physicians — Real Take-Home Pay
Ranked by estimated take-home pay (single filer, no additional deductions). The highest gross salary doesn't always mean the most money in your pocket.
▲Top 5 — Highest Take-Home
Physician Salary by State — All 50 States
BLS average pay in each state (BLS, May 2025) and the estimated take-home for a single filer with no additional deductions. Click any state for the full breakdown.
| State | Average Pay (BLS) | Est. Take-Home |
|---|---|---|
| $365,960 | $236,612 | |
| $337,850 | $221,162 | |
| $307,210 | $219,694 | |
| $329,940 | $219,632 | |
| $310,630 | $214,473 | |
| $284,650 | $205,560 | |
| $298,410 | $205,019 | |
| $307,400 | $204,629 | |
| $278,070 | $201,438 | |
10Utah | $297,110 | $200,145 |
| $274,210 | $199,019 | |
12Indiana | $285,950 | $197,968 |
| $292,050 | $195,358 | |
| $272,470 | $193,864 | |
| $291,470 | $192,737 | |
16Iowa | $279,120 | $192,141 |
| $262,580 | $191,441 | |
18Georgia | $280,870 | $189,925 |
| $258,390 | $188,690 | |
| $267,230 | $186,852 | |
| $271,340 | $183,845 | |
| $250,990 | $183,832 | |
| $265,510 | $183,476 | |
24Maryland | $279,010 | $181,589 |
| $260,430 | $178,991 | |
26Nebraska | $259,630 | $178,570 |
| $272,380 | $178,245 | |
| $242,460 | $178,232 | |
29Kentucky | $254,740 | $177,496 |
30Oregon | $275,320 | $174,502 |
31Colorado | $249,500 | $172,584 |
32Virginia | $252,590 | $171,173 |
| $244,960 | $168,077 | |
34Vermont | $249,620 | $167,846 |
| $222,290 | $164,990 | |
| $238,170 | $164,955 | |
37Arkansas | $232,230 | $163,124 |
| $252,930 | $162,534 | |
39Ohio | $226,800 | $162,149 |
40Kansas | $236,160 | $161,718 |
41Maine | $239,970 | $160,338 |
42Illinois | $229,370 | $158,429 |
| $220,360 | $155,440 | |
44Michigan | $219,610 | $154,148 |
45Delaware | $226,230 | $153,987 |
46Missouri | $214,250 | $150,290 |
47Hawaii | $222,540 | $149,256 |
48New York | $211,570 | $144,995 |
| $200,820 | $138,138 | |
50Alabama | $169,720 | $120,497 |
Maximize Your Take-Home
401(k) — $24,500 max
Reduces taxable income dollar-for-dollar
HSA — $4,400 single
Triple tax advantage — deductible, grows tax-free, tax-free withdrawals
FSA — $3,300 max
Medical expenses with pre-tax dollars
State consideration
Moving to TX, FL, WA can save $5,000–$15,000/year in taxes
Calculate Your Exact Take-Home as a Physician
Add 401(k), HSA, dependents, and more to see your personalized take-home in your state.
Open Calculator →Frequently Asked Questions
Find answers to common questions about your taxes and our calculator.
Physician Salary by State — Detailed Pages
Alabama
$120,497
net
AlaskaNo state tax
$219,694
net
Arizona
$214,473
net
Arkansas
$163,124
net
California
$162,534
net
Colorado
$172,584
net
Connecticut
$138,138
net
Delaware
$153,987
net
FloridaNo state tax
$164,990
net
Georgia
$189,925
net
Hawaii
$149,256
net
Idaho
$204,629
net
Illinois
$158,429
net
Indiana
$197,968
net
Iowa
$192,141
net
Kansas
$161,718
net
Kentucky
$177,496
net
Louisiana
$186,852
net
Maine
$160,338
net
Maryland
$181,589
net
Massachusetts
$183,845
net
Michigan
$154,148
net
Minnesota
$178,245
net
Mississippi
$183,476
net
Missouri
$150,290
net
Montana
$221,162
net
Nebraska
$178,570
net
NevadaNo state tax
$178,232
net
New HampshireNo state tax
$183,832
net
New Jersey
$192,737
net
New Mexico
$164,955
net
New York
$144,995
net
North Carolina
$155,440
net
North Dakota
$193,864
net
Ohio
$162,149
net
Oklahoma
$219,632
net
Oregon
$174,502
net
Pennsylvania
$205,019
net
Rhode Island
$236,612
net
South Carolina
$168,077
net
South DakotaNo state tax
$188,690
net
TennesseeNo state tax
$205,560
net
TexasNo state tax
$191,441
net
Utah
$200,145
net
Vermont
$167,846
net
Virginia
$171,173
net
WashingtonNo state tax
$199,019
net
West Virginia
$178,991
net
Wisconsin
$195,358
net
WyomingNo state tax
$201,438
net