Loan Officers in North Dakota
May 2025 wages · tax year 2026
You keep
$67,990
after federal, FICA and North Dakota tax
Tax takes
$16,660
19.7% of the whole
Worth, in national money
$76,762
North Dakota costs less than average
On that salary you would be around the 25th percentile for this work in North Dakota — 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
$84,650
Kept after tax
$67,990
Worth in national money
$76,762
State rank
11
of 51 states
What this pays, and what it is worth
- North Dakota is one of the better-paying states for loan officers. The middle earner takes $84,650, which ranks 11 of 51 states with published figures. That is about 10.38% above the national middle.
- Locally, this pays well. Among 460 occupations North Dakota reports, loan officers comes in at 79 — comfortably in the upper quarter.
- North Dakota is cheaper than average, and that shows up here. From $84,650 the take-home is $67,990; adjusted for what things actually cost, it goes as far as $76,762 would nationally. The average comes to $91,760, above the middle, thanks to the top of the range.
- North Dakota ranks 11 of 51 states publishing a median for loan officers, at $84,650 — about 10.38% above the national median. A state's position on nominal pay is the figure wage tables report and the least informative of the three on this page, because it survives neither the tax adjustment nor the price adjustment intact for most occupations.
- Loan officers ranks 79 of 460 occupations by median in North Dakota, in the top quartile. Within-state position is largely independent of national position, so this holds regardless of how the state compares to others for the same work.
- Post-tax income for loan officers in North Dakota, on $84,650, is $67,990 — equivalent to $76,762 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 $91,760 the mean overshoots the median — the usual right-skewed shape.
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Pay band: Loan Officers
The state median for this job
| Lowest tenth earn under | $58,010 |
|---|---|
| Half earn under | $84,650 |
| Top tenth earn over | $146,640 |
| This salary | $84,650 |
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 Dakota | $67,990 |
|---|---|
| Take-home in Texas | $68,381 |
| Once local prices are leveledBEA price parity | −$6,393 |
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 | $84,094 |
|---|---|
| Raise you would need | +$8,831 |
| Prices in Texas | 97 vs 89 |
State taxes and state price levels only. No city tax, and no housing market.
Sources and assumptions
- Treat $84,650 as a midpoint for North Dakota, not a promise. The tenth percentile is $58,010 and the ninetieth is $146,640 — a wide band, and where you land in it depends on far more than the state.
- That $67,990 take-home in North Dakota comes from $84,650. 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 79 of 460.
- The wage data and the price data come from different years. That is how each is published. The price adjustment behind $76,762 uses one figure for the whole of North Dakota. A city and a rural county there can differ by more than two states do. Out of 460 occupations the state publishes, this one sits at 79.
- The North Dakota median of $84,650 describes the midpoint of a distribution spanning $58,010 to $146,640. Because that spread is typically larger than the interstate spread, a state median is a weak predictor for any individual worker in this occupation.
- Retained pay of $67,990, from $84,650, assumes a single North Dakota 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 79 of 460 locally, and the state ranks 11 of 51 for it.
- Wage and price series carry different reference periods, each published on its own schedule. The real-terms figure of $76,762, worked from $84,650, 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 North Dakota address, on work sitting at 79 of 460 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 $91,760 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?
One title, many jobs. The lowest tenth take $58,010, the highest tenth $146,640, and what separates them is experience, employer and what exactly the role does.
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 $76,762.
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; North Dakota then takes its own share, leaving $67,990.
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 North Dakota is $91,760. 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 ($58,010) and the ninetieth ($146,640) 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 Dakota'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 $76,762 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 $67,990 reflects federal income tax, OASDI, Medicare and North Dakota 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.