Loan Officers in North Carolina
May 2025 wages · tax year 2026
You keep
$59,719
after federal, FICA and North Carolina tax
Tax takes
$16,201
21.3% of the whole
Worth, in national money
$63,437
North Carolina costs less than average
On that salary you would be around the 25th percentile for this work in North Carolina — 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
$75,920
Kept after tax
$59,719
Worth in national money
$63,437
State rank
26
of 51 states
What this pays, and what it is worth
- Neither high nor low. North Carolina is 26 of 51 states for loan officers, with a middle wage of $75,920. What that is worth is the question the rest of this page answers.
- Middle of the local pack. Of 489 occupations North Carolina reports figures for, this is number 125.
- North Carolina is cheaper than average, and that shows up here. From $75,920 the take-home is $59,719; adjusted for what things actually cost, it goes as far as $63,437 would nationally. The average comes to $84,160, above the middle, thanks to the top of the range.
- North Carolina ranks 26 of 51 for loan officers at $75,920. The nominal figure is unremarkable; the adjusted figures are where the state's actual position for this occupation is determined.
- In North Carolina's occupational distribution, loan officers sits at 125 of 489 — neither quartile. This local position is what a resident compares against, and it is determined by the state's own labor market rather than by national patterns for this occupation.
- Post-tax income for loan officers in North Carolina, on $75,920, is $59,719 — equivalent to $63,437 once regional price parity is applied. ⚠️ The adjustment uses a statewide index that describes no particular address; within-state price variation, concentrated in housing, routinely exceeds the difference between two states. At $84,160 the mean overshoots the median — the usual right-skewed shape.
Compare this career across states
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Pay band: Loan Officers
The state median for this job
| Lowest tenth earn under | $43,270 |
|---|---|
| Half earn under | $75,920 |
| Top tenth earn over | $130,480 |
| This salary | $75,920 |
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 North Carolina | $59,719 |
|---|---|
| Take-home in Texas | $62,240 |
| Once local prices are leveledBEA price parity | +$612 |
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 | $72,337 |
|---|---|
| You could take a cut of | −$845 |
| Prices in Texas | 97 vs 94 |
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 North Carolina earn under $75,920 and half over. The published range runs $43,270 at the tenth percentile to $130,480 at the ninetieth. Experience and employer move an individual a long way inside that.
- One filer, no dependants, no pension contributions — that is the household behind North Carolina's $59,719, worked from $75,920. 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 125 of 489.
- One number stands for prices across all of North Carolina, which is a simplification — big cities cost far more than small towns. Read $63,437, the adjusted value of that $75,920 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 125 of 489 in the state.
- Figures are distribution medians for loan officers in North Carolina, not entry or offer rates. The published band runs $43,270 to $130,480; 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.
- The North Carolina take-home of $59,719, on $75,920 for work ranking 125 of 489 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 125 of 489 in the state.
- Price deflation uses one statewide parity for North Carolina, so $63,437 — the adjusted value of that $75,920 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 125 of 489 locally.
Questions people ask
Is this the average pay for the job?
It is the midpoint, not the average. The average here is $84,160, dragged up by high earners; the middle figure describes a typical worker better.
Why is the pay range for this job so wide?
The label is broader than the work. From $43,270 at the bottom tenth to $130,480 at the top, the same title covers roles that share little beyond a name.
What does this pay actually buy where I live?
A smaller wage in a cheaper place is not automatically less. Adjusted for local prices, this is worth $63,437.
Where does the difference between the wage and my paycheck go?
Into four separate taxes, not one. Federal income tax, Social Security and Medicare apply everywhere, and North Carolina adds its own income tax on top — which is why $59,719 of this wage survives to your account.
Can I compare this job across every state?
This occupation is published everywhere — all 51 of them — so comparing states measures real differences rather than gaps in the data.
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 North Carolina is $84,160. 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 ($43,270) and the ninetieth ($130,480) 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?
North Carolina'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 $63,437 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 $59,719 reflects federal income tax, OASDI, Medicare and North Carolina 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.