Financial Risk Specialists in Maryland
May 2025 wages · tax year 2026
You keep
$85,924
after federal, FICA and Maryland tax
Tax takes
$31,206
26.6% of the whole
Worth, in national money
$82,647
Maryland costs more than average
On that salary you would be around the 25th percentile for this work in Maryland — 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
$117,130
Kept after tax
$85,924
Worth in national money
$82,647
State rank
13
of 50 states
What this pays, and what it is worth
- Pay for financial risk specialists is strong here. Maryland's middle earner gets $117,130, putting the state 13 of 50 — about 0.17% ahead of the national figure.
- Within Maryland this is well-paid work. Of 489 occupations with published figures in the state, financial risk specialists ranks 61 — in the top quarter of everything people do there.
- Maryland is an expensive state, and the adjusted figure shows it. From $117,130 the take-home is $85,924; in national-average money that behaves like $82,647. The average comes to $122,690, above the middle, thanks to the top of the range.
- For financial risk specialists, Maryland sits in the upper band nationally: a median of $117,130, ranking 13 of 50 and running about 0.17% above the national midpoint. Nominal advantage of this size is usually, though not always, large enough to survive the state's own tax and price levels.
- Ranked against every occupation Maryland publishes a median for, financial risk specialists sits 61 of 489 — the upper quartile of the state's wage distribution. National standing and within-state standing are separate questions, and a job can occupy very different positions on each.
- Take-home for financial risk specialists in Maryland, on $117,130, is $85,924; deflated by the state's price level, $82,647. ⚠️ The deflator is statewide, so it understates the erosion in the state's metropolitan areas and overstates it outside them. At $122,690 the mean overshoots the median — the usual right-skewed shape.
Compare this career across states
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Pay band: Financial Risk Specialists
The state median for this job
| Lowest tenth earn under | $73,330 |
|---|---|
| Half earn under | $117,130 |
| Top tenth earn over | $172,410 |
| This salary | $117,130 |
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 Maryland | $85,924 |
|---|---|
| Take-home in Texas | $91,231 |
| Once local prices are leveledBEA price parity | +$11,236 |
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 | $109,587 |
|---|---|
| You could take a cut of | −$15,520 |
| Prices in Texas | 97 vs 104 |
State taxes and state price levels only. No city tax, and no housing market.
Sources and assumptions
- A median is the middle, not an offer. Half of financial risk specialists in Maryland earn under $117,130 and half over. The published range runs $73,330 at the tenth percentile to $172,410 at the ninetieth. Experience and employer move an individual a long way inside that.
- One filer, no dependants, no pension contributions — that is the household behind Maryland's $85,924, worked from $117,130. That is on purpose. It lets states be compared with each other, not with each other's family circumstances. Local city taxes are left out. Locally this work ranks 61 of 489.
- One number stands for prices across all of Maryland, which is a simplification — big cities cost far more than small towns. Read $82,647, the adjusted value of that $117,130 median, as a way to compare states fairly, not as a quote for any particular place. The two datasets are also from different years. This job sits at 61 of 489 in the state.
- Figures are distribution medians for financial risk specialists in Maryland, not entry or offer rates. The published band runs $73,330 to $172,410; within-state dispersion of that width routinely exceeds the dispersion between states, so tenure, employer and metropolitan area predict an individual's pay better than geography does.
- The Maryland take-home of $85,924, on $117,130 for work ranking 61 of 489 locally, models the simplest household deliberately: holding it constant is what makes the interstate comparison meaningful. It also means the absolute figure overstates liability for most real filers, and municipal income taxes are outside the model entirely. The occupation ranks 61 of 489 in the state.
- Price deflation uses one statewide parity for Maryland, so $82,647 — the adjusted value of that $117,130 median — establishes comparability between states rather than accuracy within one. The wage and parity series are dated independently, each following its own publication cycle, and neither is projected forward. This occupation sits at 61 of 489 locally.
Questions people ask
Is this the average pay for the job?
No — it is the middle. Half of these workers earn more and half earn less. The average is $122,690, pulled upward by the top of the range, which is why the middle is the fairer number to plan against.
Why is the pay range for this job so wide?
Because one job title covers very different work. The bottom tenth here earn $73,330 and the top tenth $172,410 — experience, employer and specialism separate them, and a single figure hides all three.
Does a bigger number here mean I am better off?
The number and the value are different things. Maryland costs more than the national average, so this take-home stretches like $82,647 rather than its face figure.
Where does the difference between the wage and my paycheck go?
Into four separate taxes, not one. Federal income tax, Social Security and Medicare apply everywhere, and Maryland adds its own income tax on top — which is why $85,924 of this wage survives to your account.
Why is this job missing from some states?
A blank is a suppression, not a zero. 50 states have a published figure for this work; the others had too few responses to release one.
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 Maryland is $122,690. 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 ($73,330) and the ninetieth ($172,410) 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.
How does the state price level affect real compensation?
Maryland's regional price parity sits above the national average, so nominal wages overstate purchasing power. Deflating take-home by the state price level gives $82,647 in national-average terms. ⚠️ RPPs are an all-items index; housing parities vary far more widely than the headline figure.
What accounts for the gap between gross wage and take-home here?
Take-home of $85,924 reflects federal income tax, OASDI, Medicare and Maryland 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.