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MODELED MONTHLY SURPLUS

Top 20 cities for Personal Financial Advisors

This ranking uses a modeled monthly surplus, not salary alone. It estimates take-home pay, housing, and local standard expenses so you can compare the same defined measure across cities.

Direct BLS match to SOC 13-2052 Personal Financial Advisors.

What the modeled surplus includes

Modeled 2026 monthly surplus = modeled monthly take-home pay - estimated mortgage - fixed standard expenses ($2,200/month in every metro). It is a comparison model, not your personal cash-after-rent result.

#1

New York, NY

MSA Pop: 20.0M
Modeled 2026 monthly surplus
$4,318
Modeled 2026 Gross Salary
$174,301
BEA 2024 RPP
112.6
Est. Mortgage
$3,565/mo
#2

Milwaukee, WI

MSA Pop: 1.6M
Modeled 2026 monthly surplus
$4,205
Modeled 2026 Gross Salary
$128,955
BEA 2024 RPP
96.9
Est. Mortgage
$1,363/mo
#3

Pittsburgh, PA

MSA Pop: 2.3M
Modeled 2026 monthly surplus
$4,091
Modeled 2026 Gross Salary
$118,490
BEA 2024 RPP
94.7
Est. Mortgage
$1,101/mo
#4

Kansas City, MO

MSA Pop: 2.2M
Modeled 2026 monthly surplus
$4,012
Modeled 2026 Gross Salary
$126,218
BEA 2024 RPP
92.5
Est. Mortgage
$1,415/mo
#5

New Haven, CT

MSA Pop: 0.9M
Modeled 2026 monthly surplus
$3,639
Modeled 2026 Gross Salary
$123,113
BEA 2024 RPP
104.6
Est. Mortgage
$1,625/mo
#6

Philadelphia, PA

MSA Pop: 6.2M
Modeled 2026 monthly surplus
$3,622
Modeled 2026 Gross Salary
$119,474
BEA 2024 RPP
102.6
Est. Mortgage
$1,625/mo
#7

Madison, WI

MSA Pop: 0.7M
Modeled 2026 monthly surplus
$3,586
Modeled 2026 Gross Salary
$129,150
BEA 2024 RPP
97.3
Est. Mortgage
$1,992/mo
#8

Miami, FL

MSA Pop: 6.1M
Modeled 2026 monthly surplus
$3,586
Modeled 2026 Gross Salary
$128,812
BEA 2024 RPP
114.2
Est. Mortgage
$2,490/mo
#9

El Paso, TX

MSA Pop: 0.9M
Modeled 2026 monthly surplus
$3,505
Modeled 2026 Gross Salary
$102,192
BEA 2024 RPP
89.9
Est. Mortgage
$1,022/mo
#10

Memphis, TN

MSA Pop: 1.3M
Modeled 2026 monthly surplus
$3,451
Modeled 2026 Gross Salary
$102,623
BEA 2024 RPP
92.2
Est. Mortgage
$1,101/mo
#11

Chicago, IL

MSA Pop: 9.5M
Modeled 2026 monthly surplus
$3,219
Modeled 2026 Gross Salary
$116,040
BEA 2024 RPP
103.6
Est. Mortgage
$1,651/mo
#12

Buffalo, NY

MSA Pop: 1.1M
Modeled 2026 monthly surplus
$3,219
Modeled 2026 Gross Salary
$106,241
BEA 2024 RPP
95.8
Est. Mortgage
$1,101/mo
#13

St. Louis, MO

MSA Pop: 2.8M
Modeled 2026 monthly surplus
$3,204
Modeled 2026 Gross Salary
$106,282
BEA 2024 RPP
95.1
Est. Mortgage
$1,153/mo
#14

San Antonio, TX

MSA Pop: 2.6M
Modeled 2026 monthly surplus
$3,163
Modeled 2026 Gross Salary
$103,966
BEA 2024 RPP
94.7
Est. Mortgage
$1,468/mo
#15

Rochester, NY

MSA Pop: 1.1M
Modeled 2026 monthly surplus
$3,161
Modeled 2026 Gross Salary
$103,679
BEA 2024 RPP
97.0
Est. Mortgage
$1,022/mo
#16

Indianapolis, IN

MSA Pop: 2.1M
Modeled 2026 monthly surplus
$3,086
Modeled 2026 Gross Salary
$105,206
BEA 2024 RPP
95.7
Est. Mortgage
$1,363/mo
#17

Akron, OH

MSA Pop: 0.7M
Modeled 2026 monthly surplus
$3,044
Modeled 2026 Gross Salary
$98,964
BEA 2024 RPP
93.4
Est. Mortgage
$917/mo
#18

Dayton, OH

MSA Pop: 0.8M
Modeled 2026 monthly surplus
$3,029
Modeled 2026 Gross Salary
$98,677
BEA 2024 RPP
92.7
Est. Mortgage
$917/mo
#19

Richmond, VA

MSA Pop: 1.3M
Modeled 2026 monthly surplus
$3,024
Modeled 2026 Gross Salary
$113,683
BEA 2024 RPP
97.9
Est. Mortgage
$1,677/mo
#20

Jacksonville, FL

MSA Pop: 1.5M
Modeled 2026 monthly surplus
$2,904
Modeled 2026 Gross Salary
$104,017
BEA 2024 RPP
99.5
Est. Mortgage
$1,730/mo