Loan Officers in Florida
May 2025 wages · tax year 2026
You keep
$58,842
after federal, FICA and Florida tax
Tax takes
$12,248
17.2% of the whole
Worth, in national money
$56,878
Florida costs more than average
On that salary you would be around the 25th percentile for this work in Florida — 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
$71,090
Kept after tax
$58,842
Worth in national money
$56,878
State rank
34
of 51 states
What this pays, and what it is worth
- Middling, nationally. Florida pays loan officers around $71,090 at the midpoint, 34 of 51 states. The interesting numbers on this page are the two below it.
- Ordinary, locally speaking. Loan officers ranks 143 among 493 occupations Florida publishes pay for.
- The wage here flatters the reality. From $71,090 the take-home is $58,842. But Florida costs more than the national average, so that money behaves more like $56,878 would elsewhere. Worth knowing before comparing offers across states. The average is higher, $81,320, because the best-paid pull it up.
- For loan officers the Florida median is $71,090, ranking 34 of 51 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.
- Position 143 of 493 in Florida places loan officers 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 after federal, FICA and Florida income tax is $58,842 for loan officers, from $71,090. The state's price level exceeds the national average, so the price-adjusted equivalent is $56,878. ⚠️ This is purchasing power and not a wage; cross-state offer comparisons that stop at the nominal figure systematically overvalue high-cost states. The mean of $81,320 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 | $33,180 |
|---|---|
| Half earn under | $71,090 |
| Top tenth earn over | $133,070 |
| This salary | $71,090 |
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 Florida | $58,842 |
|---|---|
| Take-home in Texas | $58,842 |
| Once local prices are leveledBEA price parity | +$3,674 |
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 | $71,090 |
|---|---|
| You could take a cut of | −$5,015 |
| Prices in Texas | 97 vs 103 |
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 loan officers in Florida earn under $71,090 and half over. The published range runs $33,180 at the tenth percentile to $133,070 at the ninetieth. Experience and employer move an individual a long way inside that.
- That $58,842 take-home in Florida comes from $71,090. It is the no-frills case: single filer, standard deduction, nothing set aside before tax. Real circumstances almost always reduce the tax. City and school-district taxes are not counted at all. Locally the work ranks 143 of 493.
- Two cautions on $56,878, the adjusted value of that $71,090 median. It levels out prices with a single number for all of Florida. 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 143 of 493 locally.
- Figures are distribution medians for loan officers in Florida, not entry or offer rates. The published band runs $33,180 to $133,070; 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.
- Retained pay of $58,842, from $71,090, assumes a single Florida filer with the standard deduction and no elective deferrals. Pre-tax retirement or HSA contributions, dependants and itemized deductions all reduce it further; local income taxes, excluded here, would increase it in the states that levy them. This occupation ranks 143 of 493 locally, and the state ranks 34 of 51 for it.
- This $56,878 adjusted figure, worked from $71,090, 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 143 of 493 in the state. The occupation ranks 143 of 493 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 $81,320, 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?
Because one job title covers very different work. The bottom tenth here earn $33,180 and the top tenth $133,070 — experience, employer and specialism separate them, and a single figure hides all three.
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 $56,878 of national purchasing power.
Is most of this wage taxed away?
No. $58,842 survives, because Florida levies no wage income tax. The federal share does not change with the state you work in.
Can I compare this job across every state?
All 51 jurisdictions report this work, which makes the ranking a like-for-like 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 Florida is $81,320. 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 ($33,180) and the ninetieth ($133,070) 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?
Florida's regional price parity sits above the national average, so nominal wages overstate purchasing power. Deflating take-home by the state price level gives $56,878 in national-average terms. ⚠️ RPPs are an all-items index; housing parities vary far more widely than the headline figure.
Why is the take-home ratio comparatively high in this state?
Florida levies no personal income tax on wages, so take-home of $58,842 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.
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.