BLS metro-level wage data places Occupational Therapists pay in Panama City-Panama City Beach, FL at a median of $97,290 per year ($46.78/hr/hour), drawn from the OEWS May 2025 release for this Metropolitan Statistical Area. Compared to the national median of $100,330, Panama City-Panama City Beach pays 3% below, which typically tracks with a lower local cost of living or smaller specialized-employer cluster. Approximately 90 occupational therapistss are employed across the Panama City-Panama City Beach MSA in SOC 29-1122.

The Panama City-Panama City Beach pay distribution spans from $73,600 at the 10th percentile to $123,990 at the 90th — a 1.7× spread that reflects experience tenure, specialization, employer size, and the difference between public-sector, nonprofit, and private-sector compensation inside the metro. The 25th percentile sits at $91,520 and the 75th at $105,720, so half of Panama City-Panama City Beach-based occupational therapistss earn within that middle band.

Metro figures capture where you actually work, not just where you live — which matters for commuters. BLS draws metro boundaries from the OMB MSA definitions, so Panama City-Panama City Beach, FL covers the central city plus outlying counties tied to the metro economically. Remember that OEWS wages reflect base pay only: employer-provided health insurance, retirement matches, stock options, signing bonuses, overtime, and tips are excluded and can add 20-40% to real total compensation. Before using this metro median as a negotiation anchor, triangulate against the same occupation's national profile (linked below), its state-wide FL data, and peer-metro comparisons — a median is a starting point, not a ceiling.