The Salary Index
Salary data is based on the Dallas-Fort Worth-Arlington, TX metropolitan area and applied to Carrollton using local cost-of-living adjustments.

Ophthalmologists Salaries in Carrollton, TX

Average Base Pay

$211,550/yr

5% above national average

Monthly

$17,629

Hourly

$102

Cost Index

96

Ophthalmologists in Carrollton, TX earn an average of $211,550 per year, with most salaries falling between $169,240 and $253,860 depending on experience, employer, and specialization. At 5% above the national average, Carrollton ranks among the higher-paying markets for this role, in part reflecting a local cost of living index of 96. For professionals evaluating a move or negotiating an offer, the headline salary is only part of the picture—what matters most is how far that income actually goes once taxes, rent, and daily expenses are factored in. The sections below break that down in full for Carrollton.

Salary Range

The chart below shows the full compensation spectrum for this role, from entry-level to senior positions. The highlighted center bars represent the 25th–75th percentile band where most professionals are paid.

$159K
Low
$212K
Median
$264K
High
25th percentile: $180K75th percentile: $243K

About Ophthalmologists

Physicians diagnose and treat illnesses, injuries, and medical conditions across a wide range of specialties. General practitioners and family medicine physicians manage undifferentiated health problems and chronic conditions for patients of all ages, serving as the primary point of care and coordinating specialist referrals. Internists focus on adult medicine and often subspecialize in areas such as cardiology, gastroenterology, oncology, or pulmonology. Surgeons perform operative procedures to treat conditions ranging from appendicitis and cancer to orthopedic injuries and heart disease. Psychiatrists diagnose and treat mental health conditions using medication management and psychotherapy. Emergency physicians manage acute and life-threatening conditions in high-acuity settings. Pediatricians care for infants, children, and adolescents. Pathologists diagnose disease through laboratory analysis of tissue, blood, and other specimens. Radiologists interpret medical imaging studies. The educational pathway requires four years of medical school following a bachelor's degree, three to seven years of residency training, and often additional fellowship training in a subspecialty. Physicians are licensed by state medical boards and must maintain board certification through continuous medical education and periodic examinations.

What Ophthalmologists Do

  • Obtain patient history and perform physical examinations
  • Diagnose conditions based on clinical findings and diagnostic test results
  • Develop and implement individualized treatment plans
  • Prescribe medications and therapies
  • Order and interpret diagnostic tests including laboratory studies and imaging
  • Perform procedures appropriate to specialty
  • Coordinate care with specialists, nurses, and allied health professionals
  • Maintain accurate medical records and complete documentation

Key Skills & Qualifications

  • Clinical assessment and diagnostic reasoning
  • Medical knowledge across pathophysiology, pharmacology, and treatment
  • Procedure-specific technical skills relevant to specialty
  • Patient communication and shared decision-making
  • Interpretation of laboratory and radiographic data
  • Electronic health record documentation
  • MD or DO degree, residency completion, and board certification
  • Medical licensure in state(s) of practice

Career Path

  1. Medical Student
  2. Resident Physician
  3. Attending Physician
  4. Subspecialty Fellow
  5. Department Chief / Medical Director

Ophthalmologists Market in Carrollton, TX

Salary Competitiveness

Carrollton is one of the stronger-paying markets for Ophthalmologists, with local salaries running approximately 5% above the national median. This premium typically reflects a combination of higher employer competition, concentrated industry presence, and elevated cost expectations built into local compensation norms.

Cost of Living Impact

Carrollton sits close to the national cost average. Monthly essential expenses represent about 20% of take-home pay for this role—a midrange ratio that allows for modest savings and discretionary spending, provided housing costs remain stable.

Effective Purchasing Power

After adjusting for local taxes and cost of living, a Ophthalmologists earning $211,550 in Carrollton reaches a strong purchasing-power position. The effective standard of living this income supports is materially higher than the gross number alone implies—a useful data point for professionals comparing offers across metro areas.

vs. National Avg

+5%

Cost Pressure

20%

Purchasing Power

Strong

Take-Home Pay Calculator

Enter any gross salary to see how federal and state taxes affect your actual take-home pay, broken down by year, month, and week. Results use an estimated effective tax rate of 27% based on this location and income level.

$
Take-home (73%)Taxes (27%)

Annual Net

$154,432

Monthly

$12,869

Weekly

$2,970

Eff. Tax Rate

27%

A gross salary of $211,550 for a Ophthalmologists in Carrollton translates to roughly $12,869 in monthly take-home pay after estimated federal and state taxes. Set against monthly living costs of $2,577—covering housing, food, transportation, utilities, and healthcare—that leaves approximately $10,292 per month in disposable income. That margin, not the gross number, is what determines whether you can comfortably cover rent, build savings, and afford discretionary spending in Carrollton's current market.

How far does this salary go in Carrollton?

Cost of Living in Carrollton

Estimated monthly expenses for a single person in Carrollton, benchmarked against US regional price indices for housing, food, transportation, utilities, and healthcare.

Cost Index

96

Below Avg — US average is 100. Based on a single person (1-bed apartment).

🏠Housing / Rent$1,480/mo
🍔Food & Groceries$485/mo
🚗Transportation$130/mo
💡Utilities$180/mo
🏥Healthcare$302/mo
Monthly$2,577
Annual$30,924
Disposable Income$10,292

Financial Reality Check

This section compares estimated monthly take-home pay against typical living costs in Carrollton to show your real disposable income—the amount remaining after essential bills are paid each month.

Monthly Take-Home

$12,869

Living Costs

$2,577

Disposable

$10,292

Cost Index

96

Lifestyle

Comfortable

With a monthly take-home of $12,869, your estimated living costs in Carrollton are $2,577 ($30,924/yr). This leaves $10,292 per month in disposable income, indicating a comfortable standard of living. Carrollton's cost of living is 4% below the national average.

Overall, a Ophthalmologists earning $211,550 in Carrollton falls into a comfortable lifestyle tier and has meaningful room to save, invest, and absorb unexpected expenses without financial stress. With a cost index of 96, Carrollton is 4% more affordable than the national average, which extends your purchasing power. Regardless of tier, prioritizing retirement contributions, an emergency fund of three to six months' expenses, and incremental debt reduction will yield the greatest long-term financial stability—especially as living costs in Carrollton continue to evolve.

Frequently Asked Questions

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Ophthalmologists · Carrollton, TX5% above avg

Gross Salary

$211,550/yr

Take-home

$12,869/mo

Disposable

$10,292/mo

Lifestyle

Comfortable

Source: thesalaryindex.com · BLS data

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Salary estimates are based on BLS metro data and adjusted using cost-of-living indices.