Financial Risk Specialists in Pennsylvania
May 2025 wages · tax year 2026
You keep
$78,155
after federal, FICA and Pennsylvania tax
Tax takes
$24,885
24.2% of the whole
Worth, in national money
$80,159
Pennsylvania costs less than average
On that salary you would be around the 25th percentile for this work in Pennsylvania — 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
$103,040
Kept after tax
$78,155
Worth in national money
$80,159
State rank
22
of 50 states
What this pays, and what it is worth
- Middling, nationally. Pennsylvania pays financial risk specialists around $103,040 at the midpoint, 22 of 50 states. The interesting numbers on this page are the two below it.
- Locally, this pays well. Among 492 occupations Pennsylvania reports, financial risk specialists comes in at 50 — comfortably in the upper quarter.
- Cost of living is unremarkable here. From $103,040, tax leaves $78,155, and adjusting for local prices barely moves it — about $80,159 in comparable terms. Averages run higher here, $114,580, since top earners drag the number up.
- For financial risk specialists the Pennsylvania median is $103,040, ranking 22 of 50 states reporting. Mid-band nominal positions are the ones most frequently reordered by the adjustments, because no large wage premium exists to absorb a state's tax or price level.
- Financial risk specialists ranks 50 of 492 occupations by median in Pennsylvania, in the top quartile. Within-state position is largely independent of national position, so this holds regardless of how the state compares to others for the same work.
- Because Pennsylvania sits close to the national price level, the real-terms figure for financial risk specialists — median $103,040 — tracks the post-tax figure closely: $78,155 retained, $80,159 adjusted. ⚠️ Neither is a wage; the second describes what the first buys. Mean pay of $114,580 exceeds the median, so the upper tail is doing the work.
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Pay band: Financial Risk Specialists
The state median for this job
| Lowest tenth earn under | $64,700 |
|---|---|
| Half earn under | $103,040 |
| Top tenth earn over | $172,820 |
| This salary | $103,040 |
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 Pennsylvania | $78,155 |
|---|---|
| Take-home in Texas | $81,319 |
| Once local prices are leveledBEA price parity | +$3,523 |
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 | $98,543 |
|---|---|
| You could take a cut of | −$4,867 |
| Prices in Texas | 97 vs 98 |
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 Pennsylvania earn under $103,040 and half over. The published range runs $64,700 at the tenth percentile to $172,820 at the ninetieth. Experience and employer move an individual a long way inside that.
- In Pennsylvania the take-home figure of $78,155, from $103,040, 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 50 of 492 occupations here.
- The wage data and the price data come from different years. That is how each is published. The price adjustment behind $80,159 uses one figure for the whole of Pennsylvania. A city and a rural county there can differ by more than two states do. Out of 492 occupations the state publishes, this one sits at 50.
- Figures are distribution medians for financial risk specialists in Pennsylvania, not entry or offer rates. The published band runs $64,700 to $172,820; 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.
- Take-home for Pennsylvania is computed for a single filer taking the standard deduction with no dependants and no pre-tax contributions, giving $78,155 from $103,040. 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 50 of 492 locally.
- Wage and price series carry different reference periods, each published on its own schedule. The real-terms figure of $80,159, worked from $103,040, 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 Pennsylvania address, on work sitting at 50 of 492 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 $114,580, 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?
The label is broader than the work. From $64,700 at the bottom tenth to $172,820 at the top, the same title covers roles that share little beyond a name.
What does this pay actually buy where I live?
Further than the number implies. Pennsylvania is cheaper than the national average, so this take-home behaves like $80,159 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 Pennsylvania's own levy, $78,155 remains.
Why is this job missing from some states?
Because the survey suppresses a figure when too few employers report it. This occupation has published pay in 50 states — the rest are withheld to protect confidentiality, which is not the same as nobody doing the work there.
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 Pennsylvania is $114,580. 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 ($64,700) and the ninetieth ($172,820) 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?
Pennsylvania'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 $80,159 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 $78,155 reflects federal income tax, OASDI, Medicare and Pennsylvania 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.