Financial Risk Specialists in Idaho
May 2025 wages · tax year 2026
You keep
$59,687
after federal, FICA and Idaho tax
Tax takes
$17,183
22.4% of the whole
Worth, in national money
$65,285
Idaho costs less than average
On that salary you would be around the 25th percentile for this work in Idaho — roughly, since only five points along the band are published.
One filer, standard deduction, no dependants and nothing paid in before tax — the same household the rest of this page uses, so the comparison holds. City and school-district income taxes are not included.
Median here
$76,870
Kept after tax
$59,687
Worth in national money
$65,285
State rank
46
of 50 states
What this pays, and what it is worth
- Pay for financial risk specialists is on the low side in Idaho. The middle earner gets $76,870. That is 46 of 50 states, and about 34.48% under the national figure. Whether that matters depends on what things cost here.
- This is one of the better-paid jobs in Idaho. It ranks 114 out of 476 occupations the state publishes figures for, which puts it in the top quarter locally.
- Here is where Idaho does better than its wage suggests. From a median of $76,870 you keep $59,687, and because things cost less here than the national average, that behaves like $65,285 would elsewhere. The average is higher, $87,890, because the best-paid pull it up.
- For financial risk specialists, Idaho sits in the lower band at $76,870, ranking 46 of 50 and trailing the national median by about 34.48%. Nominal rankings routinely invert once tax and regional price level are applied, so this position should not be read as the conclusion.
- Within Idaho, financial risk specialists ranks 114 of 476 occupations by median pay, placing it in the top quartile of the local distribution. This is the comparison a resident actually makes — against neighbors rather than against the same job elsewhere.
- After federal, FICA and Idaho income tax, retained pay for financial risk specialists on $76,870 is $59,687. Deflating by the state's price level — below the national average — gives $65,285 in national-average terms. ⚠️ That figure is purchasing power, not a wage, and nobody is paid it; it is what the take-home buys. The mean of $87,890 sits above the median, the right skew typical of wage data.
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Pay band: Financial Risk Specialists
The state median for this job
| Lowest tenth earn under | $51,310 |
|---|---|
| Half earn under | $76,870 |
| Top tenth earn over | $135,780 |
| This salary | $76,870 |
Positions between the published tenth, quarter, half, three-quarter and ninetieth points are estimated by straight line.
The same pay, somewhere else
The state median for this job
| Take-home in Idaho | $59,687 |
|---|---|
| Take-home in Texas | $62,908 |
| Once local prices are leveledBEA price parity | −$549 |
The raise and the real gain point in opposite directions here.
State income tax and state price levels only. No city income tax, and no housing market.
What you would need there
The state median for this job
| To match take-home only | $72,292 |
|---|---|
| Raise you would need | +$758 |
| Prices in Texas | 97 vs 91 |
State taxes and state price levels only. No city tax, and no housing market.
Sources and assumptions
- Half the people doing this work in Idaho earn less than $76,870. The published range is $51,310 up to $135,780, so an individual figure can sit a long way from the middle in either direction.
- That $59,687 take-home in Idaho comes from $76,870. It is the no-frills case: single filer, standard deduction, nothing set aside before tax. Real circumstances almost always reduce the tax. City and school-district taxes are not counted at all. Locally the work ranks 114 of 476.
- The wage data and the price data come from different years. That is how each is published. The price adjustment behind $65,285 uses one figure for the whole of Idaho. A city and a rural county there can differ by more than two states do. Out of 476 occupations the state publishes, this one sits at 114.
- Reported values are medians; for financial risk specialists in Idaho the tenth-to-ninetieth percentile band is $51,310 to $135,780. Neither the median nor the band is an offer rate, and neither accounts for hours, shift differentials or overtime.
- Retained pay of $59,687, from $76,870, assumes a single Idaho filer with the standard deduction and no elective deferrals. Pre-tax retirement or HSA contributions, dependants and itemized deductions all reduce it further; local income taxes, excluded here, would increase it in the states that levy them. This occupation ranks 114 of 476 locally, and the state ranks 46 of 50 for it.
- Wage and price series carry different reference periods, each published on its own schedule. The real-terms figure of $65,285, worked from $76,870, deflates by a statewide parity that conceals substantial intra-state variation, concentrated in housing — so it supports comparison between states rather than the pricing of a move to a particular Idaho address, on work sitting at 114 of 476 locally.
Questions people ask
Is this the average pay for the job?
Half earn more than this and half earn less. The average sits at $87,890 because a long tail of high pay lifts it, so the two answer different questions.
Why is the pay range for this job so wide?
Because one job title covers very different work. The bottom tenth here earn $51,310 and the top tenth $135,780 — experience, employer and specialism separate them, and a single figure hides all three.
What does this pay actually buy where I live?
Further than the number implies. Idaho is cheaper than the national average, so this take-home behaves like $65,285 in national terms.
Where does the difference between the wage and my paycheck go?
Three of them are federal and one is not. After income tax, Social Security, Medicare and Idaho's own levy, $59,687 remains.
Why is this job missing from some states?
The survey withholds small samples rather than publish an unreliable number. Pay appears for 50 states here, and a missing state means too few reports, not no jobs.
How does the published median differ from the mean for this occupation?
The median is the midpoint of the distribution; the mean for this occupation in Idaho is $87,890. Wage distributions are right-skewed, so the mean exceeds the median wherever a minority earn substantially more. BLS publishes both because substituting one for the other misstates a typical worker's pay.
What drives the percentile dispersion in this occupation?
Dispersion between the tenth percentile ($51,310) and the ninetieth ($135,780) exceeds the family median dispersion. SOC codes aggregate roles differing in seniority, industry and specialisation, and BLS does not disaggregate below the detailed occupation level, so within-title variance is not separable from the published series.
What is this occupation's price-adjusted compensation in this state?
Idaho's regional price parity is at or below the national average, so nominal wages understate purchasing power. Take-home deflated by the state price level is $65,285 in national-average terms. The adjustment uses an all-items index and does not isolate housing.
What accounts for the gap between gross wage and take-home here?
Take-home of $59,687 reflects federal income tax, OASDI, Medicare and Idaho income tax for a single filer with no adjustments. The state layer is levied in addition to the federal one; only its rate and base differ between states.
Why does this occupation lack published estimates in every state?
BLS suppresses estimates failing disclosure or reliability criteria. This occupation has published state-level estimates in 50 of the fifty-one jurisdictions. Suppression reflects sample size and confidentiality rules, and cannot be read as an absence of employment.