Financial Risk Specialists in Texas
May 2025 wages · tax year 2026
You keep
$81,825
after federal, FICA and Texas tax
Tax takes
$21,935
21.1% of the whole
Worth, in national money
$84,204
Texas costs less than average
On that salary you would be around the 25th percentile for this work in Texas — 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
$103,760
Kept after tax
$81,825
Worth in national money
$84,204
State rank
21
of 50 states
What this pays, and what it is worth
- Texas sits in the middle of the pack for financial risk specialists. The median is $103,760, ranking 21 of 50 states with figures. Close enough to the national middle that where you live matters more than the headline suggests.
- This is one of the better-paid jobs in Texas. It ranks 53 out of 493 occupations the state publishes figures for, which puts it in the top quarter locally.
- Prices here sit close to the national average, so the adjustment changes little. From $103,760 the take-home is $81,825, which is worth about $84,204 in comparable money. Tax does most of the work here, not cost of living. The average is higher, $110,450, because the best-paid pull it up.
- Texas occupies the middle band for financial risk specialists: a median of $103,760, ranking 21 of 50. Where nominal pay is close to the national figure, the tax and price adjustments below carry proportionally more weight in determining the real outcome.
- Within Texas, financial risk specialists ranks 53 of 493 occupations by median pay, placing it in the top quartile of the local distribution. This is the comparison a resident actually makes — against neighbors rather than against the same job elsewhere.
- Texas's price level is near the national average, so price deflation is close to neutral for financial risk specialists on its $103,760 median: $81,825 retained after tax becomes $84,204 in national-average terms. Where the price adjustment is small, the tax stack is the dominant determinant of the real outcome. The mean of $110,450 sits above the median, the right skew typical of wage data.
Compare this career across states
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Pay band: Financial Risk Specialists
The state median for this job
| Lowest tenth earn under | $64,250 |
|---|---|
| Half earn under | $103,760 |
| Top tenth earn over | $159,220 |
| This salary | $103,760 |
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 Texas | $81,825 |
|---|---|
| Take-home in Florida | $81,825 |
| Once local prices are leveledBEA price parity | −$5,109 |
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 | $103,760 |
|---|---|
| Raise you would need | +$7,513 |
| Prices in Florida | 103 vs 97 |
State taxes and state price levels only. No city tax, and no housing market.
Sources and assumptions
- Half the people doing this work in Texas earn less than $103,760. The published range is $64,250 up to $159,220, 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 Texas's $81,825, worked from $103,760. 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 53 of 493.
- One number stands for prices across all of Texas, which is a simplification — big cities cost far more than small towns. Read $84,204, the adjusted value of that $103,760 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 53 of 493 in the state.
- Reported values are medians; for financial risk specialists in Texas the tenth-to-ninetieth percentile band is $64,250 to $159,220. Neither the median nor the band is an offer rate, and neither accounts for hours, shift differentials or overtime.
- The Texas take-home of $81,825, on $103,760 for work ranking 53 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 53 of 493 in the state.
- Price deflation uses one statewide parity for Texas, so $84,204 — the adjusted value of that $103,760 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 53 of 493 locally.
Questions people ask
Is this the average pay for the job?
Half earn more than this and half earn less. The average sits at $110,450 because a long tail of high pay lifts it, so the two answer different questions.
Why is the pay range for this job so wide?
Because one job title covers very different work. The bottom tenth here earn $64,250 and the top tenth $159,220 — 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 Texas sit below the national level, so take-home here stretches like $84,204 would elsewhere. The wage is the same; the ground it covers is larger.
Is most of this wage taxed away?
Less than people assume. $81,825 of this wage reaches your account, because Texas takes no income tax from wages — but federal tax, Social Security and Medicare still apply exactly as they do everywhere else.
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 Texas is $110,450. 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 ($64,250) and the ninetieth ($159,220) 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?
Texas'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 $84,204 in national-average terms. The adjustment uses an all-items index and does not isolate housing.
Why is the take-home ratio comparatively high in this state?
Texas levies no personal income tax on wages, so take-home of $81,825 reflects the federal layer and FICA alone. Federal income tax and FICA are unchanged; states without a wage income tax generally recover revenue through consumption and property bases instead.
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.