Financial Risk Specialists in North Dakota
May 2025 wages · tax year 2026
You keep
$61,136
after federal, FICA and North Dakota tax
Tax takes
$13,494
18.1% of the whole
Worth, in national money
$69,024
North Dakota costs less than average
On that salary you would be around the 25th percentile for this work in North Dakota — 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
$74,630
Kept after tax
$61,136
Worth in national money
$69,024
State rank
48
of 50 states
What this pays, and what it is worth
- Pay for financial risk specialists is on the low side in North Dakota. The middle earner gets $74,630. That is 48 of 50 states, and about 36.39% under the national figure. Whether that matters depends on what things cost here.
- Ordinary, locally speaking. Financial risk specialists ranks 139 among 460 occupations North Dakota publishes pay for.
- North Dakota is cheaper than average, and that shows up here. From $74,630 the take-home is $61,136; adjusted for what things actually cost, it goes as far as $69,024 would nationally. The average comes to $86,260, above the middle, thanks to the top of the range.
- For financial risk specialists, North Dakota sits in the lower band at $74,630, ranking 48 of 50 and trailing the national median by about 36.39%. Nominal rankings routinely invert once tax and regional price level are applied, so this position should not be read as the conclusion.
- Position 139 of 460 in North Dakota places financial risk specialists in the middle of the state's wage distribution. Because within-state and cross-state rankings measure different things, this figure and the national one above should be read together rather than as a single verdict.
- Post-tax income for financial risk specialists in North Dakota, on $74,630, is $61,136 — equivalent to $69,024 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 $86,260 the mean overshoots the median — the usual right-skewed shape.
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Pay band: Financial Risk Specialists
The state median for this job
| Lowest tenth earn under | $50,320 |
|---|---|
| Half earn under | $74,630 |
| Top tenth earn over | $149,820 |
| This salary | $74,630 |
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 North Dakota | $61,136 |
|---|---|
| Take-home in Texas | $61,332 |
| Once local prices are leveledBEA price parity | −$5,909 |
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 | $74,351 |
|---|---|
| Raise you would need | +$8,162 |
| Prices in Texas | 97 vs 89 |
State taxes and state price levels only. No city tax, and no housing market.
Sources and assumptions
- Half the people doing this work in North Dakota earn less than $74,630. The published range is $50,320 up to $149,820, so an individual figure can sit a long way from the middle in either direction.
- In North Dakota the take-home figure of $61,136, from $74,630, assumes one filer, no dependants, and nothing paid into a pension before tax. Each of those lowers the bill, so treat it as the plain case. City and school-district income taxes are not included either, and in a few states those are real money. It ranks 139 of 460 occupations here.
- Two cautions on $69,024, the adjusted value of that $74,630 median. It levels out prices with a single number for all of North Dakota. 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 139 of 460 locally.
- Reported values are medians; for financial risk specialists in North Dakota the tenth-to-ninetieth percentile band is $50,320 to $149,820. Neither the median nor the band is an offer rate, and neither accounts for hours, shift differentials or overtime.
- Take-home for North Dakota is computed for a single filer taking the standard deduction with no dependants and no pre-tax contributions, giving $61,136 from $74,630. Each omitted item reduces taxable income, so the figure is a lower bound on retained pay for this household shape. Municipal and school-district income taxes are excluded, which understates the burden materially in Ohio, Pennsylvania and Maryland. The occupation ranks 139 of 460 locally.
- This $69,024 adjusted figure, worked from $74,630, 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 139 of 460 in the state. The occupation ranks 139 of 460 locally.
Questions people ask
Is this the average pay for the job?
It is the midpoint, not the average. The average here is $86,260, dragged up by high earners; the middle figure describes a typical worker better.
Why is the pay range for this job so wide?
Because one job title covers very different work. The bottom tenth here earn $50,320 and the top tenth $149,820 — experience, employer and specialism separate them, and a single figure hides all three.
What does this pay actually buy where I live?
More than the figure suggests. Prices in North Dakota sit below the national level, so take-home here stretches like $69,024 would elsewhere. The wage is the same; the ground it covers is larger.
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 North Dakota adds its own income tax on top — which is why $61,136 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 North Dakota is $86,260. 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 ($50,320) and the ninetieth ($149,820) 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?
North Dakota'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 $69,024 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 $61,136 reflects federal income tax, OASDI, Medicare and North Dakota 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.