Financial Risk Specialists in Montana
May 2025 wages · tax year 2026
You keep
$75,486
after federal, FICA and Montana tax
Tax takes
$25,434
25.2% of the whole
Worth, in national money
$83,647
Montana costs less than average
On that salary you would be around the 25th percentile for this work in Montana — 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
$100,920
Kept after tax
$75,486
Worth in national money
$83,647
State rank
24
of 50 states
What this pays, and what it is worth
- Neither high nor low. Montana is 24 of 50 states for financial risk specialists, with a middle wage of $100,920. What that is worth is the question the rest of this page answers.
- Within Montana this is well-paid work. Of 475 occupations with published figures in the state, financial risk specialists ranks 41 — in the top quarter of everything people do there.
- Montana is cheaper than average, and that shows up here. From $100,920 the take-home is $75,486; adjusted for what things actually cost, it goes as far as $83,647 would nationally. The average comes to $106,440, above the middle, thanks to the top of the range.
- Montana ranks 24 of 50 for financial risk specialists at $100,920. The nominal figure is unremarkable; the adjusted figures are where the state's actual position for this occupation is determined.
- Ranked against every occupation Montana publishes a median for, financial risk specialists sits 41 of 475 — 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.
- Post-tax income for financial risk specialists in Montana, on $100,920, is $75,486 — equivalent to $83,647 once regional price parity is applied. ⚠️ The adjustment uses a statewide index that describes no particular address; within-state price variation, concentrated in housing, routinely exceeds the difference between two states. At $106,440 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 | $82,000 |
|---|---|
| Half earn under | $100,920 |
| Top tenth earn over | $133,500 |
| This salary | $100,920 |
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 Montana | $75,486 |
|---|---|
| Take-home in Texas | $79,827 |
| Once local prices are leveledBEA price parity | −$1,499 |
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 | $94,749 |
|---|---|
| Raise you would need | +$2,070 |
| Prices in Texas | 97 vs 90 |
State taxes and state price levels only. No city tax, and no housing market.
Sources and assumptions
- Half the people doing this work in Montana earn less than $100,920. The published range is $82,000 up to $133,500, so an individual figure can sit a long way from the middle in either direction.
- One filer, no dependants, no pension contributions — that is the household behind Montana's $75,486, worked from $100,920. 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 41 of 475.
- One number stands for prices across all of Montana, which is a simplification — big cities cost far more than small towns. Read $83,647, the adjusted value of that $100,920 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 41 of 475 in the state.
- Reported values are medians; for financial risk specialists in Montana the tenth-to-ninetieth percentile band is $82,000 to $133,500. Neither the median nor the band is an offer rate, and neither accounts for hours, shift differentials or overtime.
- The Montana take-home of $75,486, on $100,920 for work ranking 41 of 475 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 41 of 475 in the state.
- Price deflation uses one statewide parity for Montana, so $83,647 — the adjusted value of that $100,920 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 41 of 475 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 $106,440, pulled upward by the top of the range, which is why the middle is the fairer number to plan against.
How much does pay for this job actually vary?
Less than you might expect. The bottom tenth earn $82,000 and the top tenth $133,500, so most people doing this work in Montana sit within a fairly tight band.
What does this pay actually buy where I live?
Further than the number implies. Montana is cheaper than the national average, so this take-home behaves like $83,647 in national terms.
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 Montana adds its own income tax on top — which is why $75,486 of this wage survives to your account.
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 Montana is $106,440. 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 is the dispersion of this occupation's wage distribution?
The tenth-to-ninetieth percentile span ($82,000 to $133,500) sits at or below the family's median dispersion, indicating relatively standardized compensation. Percentiles are published per state, so this dispersion is specific to Montana rather than a national figure.
What is this occupation's price-adjusted compensation in this state?
Montana'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 $83,647 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 $75,486 reflects federal income tax, OASDI, Medicare and Montana 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.