Life as a provider

How much do therapists make in California?

Whether you’re considering becoming a therapist or are already in practice, you may be curious about the average salary of providers here.

February 19, 2026

5 min read

How much do therapists make in California? It depends — there isn’t a single answer. Much like with any other career, therapists’ earnings can vary widely depending on your years of experience, specialty, license type, and even specifically where you practice within the state. While it’s nearly impossible to pin down a hard-and-fast number, data can give you a helpful baseline for what mental health providers can earn in the Golden State.

This guide breaks down therapist salaries across California using the most reliable data available, so you can get a better understanding of average earnings (and why they look so different from one role or region to the next).

Key insights

Most therapists in California earn between $65,000 and $120,000 per year, depending on license type, experience level, practice setting, and where they’re located within the state.

Psychiatrists and psychiatric prescribers in California typically earn $230,000 to $310,000 annually, reflecting their medical training, prescribing authority, and broader scope of practice.

Provider income in California is shaped by several factors, including license type, years in practice, client demand, practice structure, and geographic location.

Headway helps providers build more predictable, sustainable income by offering competitive insurance reimbursement rates and handling credentialing, billing, and administrative work on their behalf.

How much you can make in California depends on your license type and other factors

Your license type is one of the biggest factors influencing how much you can earn in California. Different licenses come with different scopes of practice, levels of clinical responsibility, and requirements related to supervision and autonomy — all of which influence overall earning potential. Overall, though, income is influenced more by your work setting, the services you provide, and your years of experience than by license type alone.

Generally speaking, licenses that allow for more independent practice, private pay, or prescribing authority tend to command higher salaries in any state, and that holds true in California.

Based on data from the Bureau of Labor Statistics (BLS), average salary ranges in California break down roughly as follows:

Licensed marriage and family therapists (LMFT): $65,000–$115,000
Licensed mental health counselors (LMHC): $60,000–$110,000
Licensed clinical social workers (LCSW): $65,000–$120,000
Clinical psychologists (PhD or PsyD): $90,000–$150,000
Psychiatrists or psychiatric prescribers: $230,000–$310,000

These numbers reflect statewide averages and ranges, which means individual earnings can fall above or below them depending on factors like experience level, work setting, patient population, and where you practice within California. Put simply, they’re a useful benchmark — not a guarantee of what you’ll make with any particular license type.

How much do therapists make per hour in California?

When broken down into hourly pay, therapist earnings in California can vary just as widely as annual salaries. Many therapists who take insurance earn roughly $30 to $70 per hour, but providers with advanced credentials or prescribing authority likely earn significantly more on an hourly basis.

To assign some hard numbers, the BLS data shows that the hourly mean wage for an LMFT in California is $35.89. In comparison, a clinical psychologist commands an hourly mean wage of $59.96. While most providers may not calculate their earnings in an hourly way, these hourly rates are based on mathematical averages across the board for a simpler comparison.

It’s also important to keep in mind that hourly pay isn’t always a reliable indicator of take-home income. Time spent on documentation, care coordination, cancellations, and unpaid administrative tasks all affect what an hour of “work” actually earns. When estimating hourly rates in California, providers should consider both their billable hours and the total time required to support their caseload.

Overall, when it comes to hourly rates or reimbursement rates, the dollar amount refers to what providers receive when they get individually credentialed with certain insurance plans. Headway makes credentialing with a range of plans easy, allowing you to focus on your clients instead of paperwork.

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What influences how much therapists make in California?

While license type sets a baseline for earning potential in California, it’s just one piece of a much bigger picture. The following variables also influence how much mental health providers can earn across the state:

Experience level: Therapists tend to see their earnings grow over time as they build clinical expertise, establish referral relationships, and gain more autonomy over their schedules and caseloads.
Client demand: Providers working in high-need specialties or with underserved populations often maintain fuller caseloads, which can translate into steadier — and sometimes higher — overall income.
Practice structure: How you work matters. Clinicians practicing full-time typically earn more than those seeing clients part-time or balancing their clinical work with teaching, supervision, or administrative roles. Your practice model also plays a role, as virtual care can reduce overhead costs and improve take-home pay.
Location: Research shows that California is the most expensive state to live in, and certain cities within the state (like San Francisco, San Diego, and Los Angeles, for example) have an even higher cost of living. Providers need higher salaries in those areas to cover expenses, but higher gross pay doesn’t necessarily mean they have higher take-home pay.

Because California is significantly more expensive than most states, therapist salaries here tend to be higher than the national average. Nationwide, therapists earn about $73,800 per year, compared to $81,390 in California. However, that gap largely reflects the major cost-of-living differences rather than extra financial breathing room.

What cities in California do therapists make the most?

Therapist pay can vary noticeably across California’s major metro areas. Larger cities often offer higher salaries due to demand for services, higher reimbursement rates, and increased cost of living — though those higher earnings don’t always go further once you factor in expenses. Some license types, particularly psychologists and psychiatric prescribers, tend to see even more pronounced differences between cities.

Here’s a quick look at the reported annual mean wage of therapists in several of California’s metro areas, using city-specific data from the BLS:

Therapist salary in Los Angeles: $83,960
Therapist salary in San Diego: $79,040
Therapist salary in San Francisco: $77,190

If these cities tend to provide higher wages, why are some of these numbers below the statewide average for California?

Even when you’re looking at the same occupation (in the case of this BLS data, “therapists, all”), statewide averages can still come in higher than metro-area averages because the state figure reflects earnings across all regions — including smaller, higher-paying pockets and roles that don’t neatly align with major metro areas.

In contrast, metro-level data captures only what’s happening within that specific labor market. Differences in employer mix, healthcare systems, and how therapists are distributed across settings can all influence city-level averages, even in high-cost areas.

How much can therapists make with Headway?

Earnings with Headway are shaped by many of the same variables that impact therapist income across California — like license type, caseload, insurance mix, and how many hours you work each week. That said, Headway is built to help providers access rates that are competitive with (and often higher than) typical reimbursement averages in the state.

Headway works directly with insurance companies to negotiate and manage rates on behalf of providers, rather than leaving them to handle those conversations on their own. Rates are determined based on factors like your location, the insurance plan, and the services you provide.

After sessions, Headway submits insurance claims and follows up to ensure they’re paid. As a provider, you’re paid reliably every two weeks — even if we haven’t received reimbursement from the insurance company yet. If a claim is denied, Headway absorbs that loss (not you as the provider).

Competitive session rates go a long way in boosting your income, but so does administrative support. Headway also has built-in billing, easy scheduling, and seamless credentialing to lighten your administrative load — and, as a result, increase your earnings.

How Headway helps you build a profitable practice

When you want to build a profitable and sustainable therapy practice, your session rates matter. But so does how much time, energy, and money it takes to run your business day-to-day. Headway supports both sides of that equation.

On the income side, Headway helps you access competitive insurance reimbursement rates and removes the need to negotiate contracts or manage payer relationships on your own.

On the cost side, Headway takes care of many of the administrative tasks that can quietly eat into your billable hours (and, as a result, your profitability). Credentialing, billing, claims submission, follow-up, and scheduling are all handled directly in the platform, which means fewer unpaid hours spent on paperwork and clunky processes.

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This content is for general informational and educational purposes only and does not constitute clinical, legal, financial, or professional advice. All decisions should be made at the discretion of the individual or organization, in consultation with qualified clinical, legal, or other appropriate professionals.

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