Physicians Salaries in Warwick, RI
Average Base Pay
$161,556/yr
11% above national average
Monthly
$13,463
Hourly
$78
Cost Index
95
Physicians in Warwick, RI earn an average of $161,556 per year, with most salaries falling between $129,245 and $193,867 depending on experience, employer, and specialization. At 11% above the national average, Warwick ranks among the higher-paying markets for this role, in part reflecting a local cost of living index of 95. 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 Warwick.
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.
Low
Median
High
About Physicians
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 Physicians 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
- Medical Student
- Resident Physician
- Attending Physician
- Subspecialty Fellow
- Department Chief / Medical Director
Physicians Market in Warwick, RI
Salary Competitiveness
Warwick is one of the stronger-paying markets for Physicians, with local salaries running approximately 11% 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
Warwick sits close to the national cost average. Monthly essential expenses represent about 26% 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 Physicians earning $161,556 in Warwick 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
+11%
Cost Pressure
26%
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.
Annual Net
$117,936
Monthly
$9,828
Weekly
$2,268
Eff. Tax Rate
27%
A gross salary of $161,556 for a Physicians in Warwick translates to roughly $9,828 in monthly take-home pay after estimated federal and state taxes. Set against monthly living costs of $2,558—covering housing, food, transportation, utilities, and healthcare—that leaves approximately $7,270 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 Warwick's current market.
How far does this salary go in Warwick?
Cost of Living in Warwick
Estimated monthly expenses for a single person in Warwick, benchmarked against US regional price indices for housing, food, transportation, utilities, and healthcare.
Cost Index
95
Below Avg — US average is 100. Based on a single person (1-bed apartment).
Financial Reality Check
This section compares estimated monthly take-home pay against typical living costs in Warwick to show your real disposable income—the amount remaining after essential bills are paid each month.
Monthly Take-Home
$9,828
Living Costs
$2,558
Disposable
$7,270
Cost Index
95
Lifestyle
Comfortable
With a monthly take-home of $9,828, your estimated living costs in Warwick are $2,558 ($30,696/yr). This leaves $7,270 per month in disposable income, indicating a comfortable standard of living. Warwick's cost of living is 5% below the national average.
Overall, a Physicians earning $161,556 in Warwick 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 95, Warwick is 5% 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 Warwick continue to evolve.
Frequently Asked Questions
Compare Instantly
See how Physicians salary in Warwick stacks up against other cities.
- vs. Detroit, MI
$72,370/yr$89,186
vs Warwick - vs. Kansas City, MO
$76,310/yr$85,246
vs Warwick - vs. San Mateo, CA
$77,840/yr$83,716
vs Warwick - vs. Sunnyvale, CA
$77,840/yr$83,716
vs Warwick
Full breakdown: cost of living, net pay, lifestyle score
Compare Cities
Same role, different locations
Related Jobs in Warwick
Other roles in the same area
City Rankings for Physicians
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Gross Salary
$161,556/yr
Take-home
$9,828/mo
Disposable
$7,270/mo
Lifestyle
Comfortable
Source: thesalaryindex.com · BLS data
Warwick City Overview
COL index, rent benchmarks, top jobs, and affordability score.
Explore Warwick →Explore More Salary Data
Related pages — all links are live salary pages
Physicians in Other Cities
- Edison, NJ$173,188
- Centennial, CO$166,403
- Topeka, KS$130,537
- Allentown, PA$147,985
- Brownsville, TX$130,537
- Murrieta, CA$77,840
- Spartanburg, SC$144,108
- Hayward, CA$77,840
- Bangor, ME$144,108
- Annapolis, MD$179,004
- Rockford, IL$133,445
- Dover, NH$157,679
- Saint Paul, MN$155,740
- Rock Hill, SC$150,893
- Huntington Beach, CA$77,840
- Maricopa, AZ$159,617
- San Jose, CA$95,320
- Youngstown, OH$132,476
- Medford, OR$159,617
- Louisville, KY$141,200
Other Jobs in Warwick
- Preschool Teachers$37,818
- Food Cooking Machine Operators And Tenders$40,526
- Fiberglass Laminators And Fabricators$49,036
- Aircraft Service Attendants$42,991
- Craft Artists$46,681
- Financial Risk Specialists$100,444
- Nurse Anesthetists$215,982
- Agents And Business Managers Of Artists$81,037
- Personal Service Managers$62,479
- Chemical Engineers$119,912
- Anthropologists And Archeologists$70,471
- Selfenrichment Teachers$43,581
- Interior Designers$64,176
- Tank Car$56,128
- Outdoor Power Equipment And Other Small Engine Mechanics$48,625
- Loan Officers$73,304
- Bioengineers And Biomedical Engineers$109,345
- Postal Service Clerks$62,132
- Archivists$60,175
- Camera Operators$64,192
Top Salary Comparisons
vs. Warwick
- Detroit, MI-$89,186
- Simi Valley, CA-$83,716
- Carlsbad, CA-$83,716
- Hayward, CA-$83,716
- Thousand Oaks, CA-$83,716
- Santa Ana, CA-$83,716
- Costa Mesa, CA-$83,716
- Oakland, CA-$83,716
- Cypress, CA-$83,716
- Anaheim, CA-$83,716
Highest-Paying Markets
Cities where Physicians pays most
- Columbus, OH$231,590
- Cleveland, OH$217,540
- New York, NY$216,420
- Chicago, IL$215,680
- Cambridge, MA$212,030
- Newton, MA$212,030
- Boston, MA$212,030
- Somerville, MA$212,030
Most Affordable Markets
Cities with lowest cost of living
- Toledo, OH$130,537
- Brownsville, TX$130,537
- Mcallen, TX$147,985
- Topeka, KS$130,537
- Gulfport, MS$136,353
- Wichita Falls, TX$131,507
- Canton, OH$131,507
- Laredo, TX$132,476
Salary estimates are based on BLS metro data and adjusted using cost-of-living indices.