Financial Risk Specialists in Utah
May 2025 wages · tax year 2026
You keep
$60,080
after federal, FICA and Utah tax
Tax takes
$17,690
22.7% of the whole
Worth, in national money
$63,241
Utah costs less than average
On that salary you would be around the 25th percentile for this work in Utah — 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
$77,770
Kept after tax
$60,080
Worth in national money
$63,241
State rank
45
of 50 states
What this pays, and what it is worth
- Utah is among the lower-paying states for financial risk specialists. The middle earner takes $77,770, ranking 45 of 50 states — about 33.72% below the national middle. Costs here are often lower too, which the figures further down account for.
- Ordinary, locally speaking. Financial risk specialists ranks 130 among 487 occupations Utah publishes pay for.
- Cheaper living works in this state's favor. From $77,770 you keep $60,080 after tax, and local prices stretch that to the equivalent of $63,241 at national prices. Averages run higher here, $88,960, since top earners drag the number up.
- Utah ranks 45 of 50 for financial risk specialists, with a median of $77,770 — about 33.72% below the national figure. A nominal shortfall is not by itself a real one: lower-paying states frequently carry lower tax and lower price levels, and the adjusted figures below are where that is settled rather than assumed.
- Position 130 of 487 in Utah 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.
- Retained pay in Utah is $60,080 after the full tax stack, from $77,770. Because the state's price level runs below the national average, the price-adjusted equivalent is $63,241 — a real-terms figure describing purchasing power rather than compensation, and not a number that appears on any pay stub. Mean pay of $88,960 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 | $57,250 |
|---|---|
| Half earn under | $77,770 |
| Top tenth earn over | $135,360 |
| This salary | $77,770 |
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 Utah | $60,080 |
|---|---|
| Take-home in Texas | $63,541 |
| Once local prices are leveledBEA price parity | +$2,147 |
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 | $72,851 |
|---|---|
| You could take a cut of | −$2,966 |
| Prices in Texas | 97 vs 95 |
State taxes and state price levels only. No city tax, and no housing market.
Sources and assumptions
- Treat $77,770 as a midpoint for Utah, not a promise. The tenth percentile is $57,250 and the ninetieth is $135,360 — a wide band, and where you land in it depends on far more than the state.
- One filer, no dependants, no pension contributions — that is the household behind Utah's $60,080, worked from $77,770. 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 130 of 487.
- The wage data and the price data come from different years. That is how each is published. The price adjustment behind $63,241 uses one figure for the whole of Utah. A city and a rural county there can differ by more than two states do. Out of 487 occupations the state publishes, this one sits at 130.
- The Utah median of $77,770 describes the midpoint of a distribution spanning $57,250 to $135,360. Because that spread is typically larger than the interstate spread, a state median is a weak predictor for any individual worker in this occupation.
- The Utah take-home of $60,080, on $77,770 for work ranking 130 of 487 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 130 of 487 in the state.
- Wage and price series carry different reference periods, each published on its own schedule. The real-terms figure of $63,241, worked from $77,770, 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 Utah address, on work sitting at 130 of 487 locally.
Questions people ask
Is this the average pay for the job?
It is the midpoint, not the average. The average here is $88,960, 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 $57,250 and the top tenth $135,360 — 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 Utah sit below the national level, so take-home here stretches like $63,241 would elsewhere. The wage is the same; the ground it covers is larger.
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 Utah's own levy, $60,080 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 Utah is $88,960. 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 ($57,250) and the ninetieth ($135,360) 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?
Utah'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 $63,241 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 $60,080 reflects federal income tax, OASDI, Medicare and Utah 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.