Loan Officers in Arizona
May 2025 wages · tax year 2026
You keep
$50,974
after federal, FICA and Arizona tax
Tax takes
$11,186
18.0% of the whole
Worth, in national money
$50,417
Arizona costs more than average
On that salary you would be around the 25th percentile for this work in Arizona — 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
$62,160
Kept after tax
$50,974
Worth in national money
$50,417
State rank
46
of 51 states
What this pays, and what it is worth
- Arizona is among the lower-paying states for loan officers. The middle earner takes $62,160, ranking 46 of 51 states — about 18.95% below the national middle. Costs here are often lower too, which the figures further down account for.
- Against other work in Arizona, this sits in the middle: 204 of 491 occupations with published pay. Solidly ordinary for the state, which is not the same as ordinary nationally.
- Prices here sit close to the national average, so the adjustment changes little. From $62,160 the take-home is $50,974, which is worth about $50,417 in comparable money. Tax does most of the work here, not cost of living. The average is higher, $77,060, because the best-paid pull it up.
- Arizona ranks 46 of 51 for loan officers, with a median of $62,160 — about 18.95% 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.
- Loan officers ranks 204 of 491 occupations in Arizona by median pay, in the middle bands. Within-state and national positions are separate measurements and a job commonly sits in different quartiles on each.
- Arizona's price level is near the national average, so price deflation is close to neutral for loan officers on its $62,160 median: $50,974 retained after tax becomes $50,417 in national-average terms. Where the price adjustment is small, the tax stack is the dominant determinant of the real outcome. The mean of $77,060 sits above the median, the right skew typical of wage data.
Compare this career across states
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Pay band: Loan Officers
The state median for this job
| Lowest tenth earn under | $35,960 |
|---|---|
| Half earn under | $62,160 |
| Top tenth earn over | $133,890 |
| This salary | $62,160 |
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 Arizona | $50,974 |
|---|---|
| Take-home in Texas | $52,126 |
| Once local prices are leveledBEA price parity | +$3,224 |
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 | $60,727 |
|---|---|
| You could take a cut of | −$3,899 |
| Prices in Texas | 97 vs 101 |
State taxes and state price levels only. No city tax, and no housing market.
Sources and assumptions
- Treat $62,160 as a midpoint for Arizona, not a promise. The tenth percentile is $35,960 and the ninetieth is $133,890 — a wide band, and where you land in it depends on far more than the state.
- In Arizona the take-home figure of $50,974, from $62,160, 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 204 of 491 occupations here.
- The wage data and the price data come from different years. That is how each is published. The price adjustment behind $50,417 uses one figure for the whole of Arizona. A city and a rural county there can differ by more than two states do. Out of 491 occupations the state publishes, this one sits at 204.
- The Arizona median of $62,160 describes the midpoint of a distribution spanning $35,960 to $133,890. Because that spread is typically larger than the interstate spread, a state median is a weak predictor for any individual worker in this occupation.
- Take-home for Arizona is computed for a single filer taking the standard deduction with no dependants and no pre-tax contributions, giving $50,974 from $62,160. 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 204 of 491 locally.
- Wage and price series carry different reference periods, each published on its own schedule. The real-terms figure of $50,417, worked from $62,160, 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 Arizona address, on work sitting at 204 of 491 locally.
Questions people ask
Is this the average pay for the job?
It is the midpoint, not the average. The average here is $77,060, dragged up by high earners; the middle figure describes a typical worker better.
Why is the pay range for this job so wide?
One title, many jobs. The lowest tenth take $35,960, the highest tenth $133,890, and what separates them is experience, employer and what exactly the role does.
Does a bigger number here mean I am better off?
A larger wage in a dearer place is not automatically more. Adjusted for local prices, this pay behaves like $50,417 of national purchasing power.
Where does the difference between the wage and my paycheck go?
Four deductions, stacked. The federal layer and the two payroll taxes apply wherever you work; Arizona then takes its own share, leaving $50,974.
Can I compare this job across every state?
Yes for this one. Pay is published in all 51 jurisdictions, so a state-to-state comparison here rests on the same survey everywhere rather than on a patchwork.
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 Arizona is $77,060. 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 ($35,960) and the ninetieth ($133,890) 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?
Arizona's regional price parity sits above the national average, so nominal wages overstate purchasing power. Deflating take-home by the state price level gives $50,417 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 $50,974 reflects federal income tax, OASDI, Medicare and Arizona 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.
Is this occupation's state coverage complete?
State-level estimates are published for all 51 jurisdictions for this occupation, so cross-state comparison is not confounded by suppression. ⚠️ Estimates remain survey-based and carry sampling error; small differences between adjacent states should not be over-read.