Occupational therapy is a rewarding profession dedicated to helping individuals regain independence in daily life. As the demand for healthcare services continues to rise, occupational therapy remains one of the most stable and well-compensated career paths in 2026. This article breaks down the average occupational therapist salary, what factors influence it, and what professionals can expect based on experience, education, and location.
Average Occupational Therapist Salary in 2026
As of 2026, the average salary for an occupational therapist (OT) in the United States is approximately $93,000 to $105,000 per year, depending on region and setting. This represents a modest increase from previous years due to rising demand and healthcare inflation.
Key Salary Ranges:
Entry-level (0–2 years): $70,000 – $80,000
Mid-career (3–7 years): $85,000 – $95,000
Experienced (8–15 years): $100,000 – $110,000
Senior or specialized OTs: $110,000 – $125,000+
Factors That Influence Occupational Therapist Salary
Several variables affect how much an occupational therapist earns:
1. Experience Level
The more years of practice, the higher the salary. Senior therapists often take on supervisory roles or specialize in areas like neurorehabilitation, pediatrics, or geriatrics, commanding higher pay.
2. Geographic Location
Location significantly impacts earnings. Urban areas and states with high living costs tend to offer higher salaries.
Top-paying states: California, New Jersey, Nevada, Texas, and Alaska
Top cities: San Francisco, New York, Seattle, Dallas, and Boston
3. Work Setting
Hospitals and private practices often pay more than schools or nursing homes.
Home health care and teletherapy services have seen salary increases post-pandemic due to flexibility and demand.
4. Certifications and Specializations
Holding advanced certifications can raise your earning potential. Examples include:
Certified Hand Therapist (CHT)
Board Certification in Pediatrics (BCP)
Neurodevelopmental Treatment Certification (NDT)
5. Education Level
While a master’s degree is the minimum requirement, those with a Doctorate in Occupational Therapy (OTD) or leadership credentials often earn more.
Take-Home Pay on a $103K Salary
If you earn $103,000 annually as an OT in 2026, your monthly take-home pay after federal taxes, Social Security, and Medicare (excluding state taxes or deductions) is roughly $6,500 to $7,200, depending on filing status and benefits.
Job Market Trends for OTs in 2026
The demand for occupational therapists continues to grow due to:
An aging population needing rehab services
Increasing awareness of mental health and cognitive therapies
Expansion of telehealth and digital therapy platforms
Integration of OTs into schools, nursing facilities, and even corporate wellness
According to projections, OT jobs are expected to grow by 12–14% from 2026–2030, faster than the national average.
Benefits of a Career in Occupational Therapy
Besides competitive pay, OTs enjoy:
Job stability and strong growth prospects
Flexible work environments: from hospitals to home care
Emotional fulfillment by improving patients’ quality of life
Excellent work-life balance with full-time or part-time roles
Opportunities for advancement into leadership or education
Education and Certification Requirements
To become a licensed OT in the U.S., you must:
Earn a Master’s or Doctorate in Occupational Therapy from an accredited program
Pass the NBCOT exam (National Board for Certification in Occupational Therapy)
Obtain state licensure based on location
Pursue continuing education to maintain credentials and grow in the field
Conclusion
Occupational therapists in 2026 can expect a strong salary, excellent job security, and meaningful work. With opportunities to increase income through experience, specialization, and education, OT remains a top healthcare career. Whether you’re just starting out or looking to advance, the field offers clear pathways to personal and professional growth.