Financial Risk Specialists in New York
May 2025 wages · tax year 2026
You keep
$97,425
after federal, FICA and New York tax
Tax takes
$39,405
28.8% of the whole
Worth, in national money
$90,522
New York costs more than average
On that salary you would be around the 25th percentile for this work in New York — 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
$136,830
Kept after tax
$97,425
Worth in national money
$90,522
State rank
4
of 50 states
What this pays, and what it is worth
- New York is one of the better-paying states for financial risk specialists. The middle earner takes $136,830, which ranks 4 of 50 states with published figures. That is about 16.62% above the national middle.
- Within New York this is well-paid work. Of 493 occupations with published figures in the state, financial risk specialists ranks 36 — in the top quarter of everything people do there.
- New York is an expensive state, and the adjusted figure shows it. From $136,830 the take-home is $97,425; in national-average money that behaves like $90,522. The average comes to $153,000, above the middle, thanks to the top of the range.
- New York ranks 4 of 50 states publishing a median for financial risk specialists, at $136,830 — about 16.62% above the national median. A state's position on nominal pay is the figure wage tables report and the least informative of the three on this page, because it survives neither the tax adjustment nor the price adjustment intact for most occupations.
- Ranked against every occupation New York publishes a median for, financial risk specialists sits 36 of 493 — 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 New York, on $136,830, is $97,425; deflated by the state's price level, $90,522. ⚠️ The deflator is statewide, so it understates the erosion in the state's metropolitan areas and overstates it outside them. At $153,000 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 | $84,550 |
|---|---|
| Half earn under | $136,830 |
| Top tenth earn over | $220,260 |
| This salary | $136,830 |
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 New York | $97,425 |
|---|---|
| Take-home in Texas | $104,789 |
| Once local prices are leveledBEA price parity | +$17,314 |
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 | $126,056 |
|---|---|
| You could take a cut of | −$24,343 |
| Prices in Texas | 97 vs 108 |
State taxes and state price levels only. No city tax, and no housing market.
Sources and assumptions
- Half the people doing this work in New York earn less than $136,830. The published range is $84,550 up to $220,260, 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 New York's $97,425, worked from $136,830. 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 36 of 493.
- Two cautions on $90,522, the adjusted value of that $136,830 median. It levels out prices with a single number for all of New York. No actual address matches that. The wage figures and price figures are also from different years. Each is published on its own timetable. This work sits at 36 of 493 locally.
- Reported values are medians; for financial risk specialists in New York the tenth-to-ninetieth percentile band is $84,550 to $220,260. Neither the median nor the band is an offer rate, and neither accounts for hours, shift differentials or overtime.
- The New York take-home of $97,425, on $136,830 for work ranking 36 of 493 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 36 of 493 in the state.
- This $90,522 adjusted figure, worked from $136,830, rests on a state-level price parity averaging over within-state dispersion larger than much of the between-state dispersion. Wage and price vintages differ by publication schedule. The result is directionally sound and not address-specific, for work at 36 of 493 in the state. The occupation ranks 36 of 493 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 $153,000, 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 $84,550 and the top tenth $220,260 — 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. New York costs more than the national average, so this take-home stretches like $90,522 rather than its face figure.
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 New York's own levy, $97,425 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 New York is $153,000. 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 ($84,550) and the ninetieth ($220,260) 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?
New York's regional price parity sits above the national average, so nominal wages overstate purchasing power. Deflating take-home by the state price level gives $90,522 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 $97,425 reflects federal income tax, OASDI, Medicare and New York 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.