salary.city
●Index Last Audited: 2026

Loan Officers Salary in Rochester, NY

Projected Base $80,812 — but what does that actually buy you here?

2026 Base Projection (adjusted +5.1% for inflation from latest BLS release) 550 employed locally

Core Salary Percentiles

$76,920
Median Annual
$40k — $210k
$40k$56k$81k (Est. 2026)$127k$210k
Solid purchasing power in Rochester
Your $80,812 salary maintains roughly national-average purchasing power (109%). Housing affordability at 2.4x income is manageable, leaving an estimated $1,876/month after mortgage and basic expenses.

Purchasing Power

$61,171/yr
After-Tax Income
$5,098/mo
Monthly Take-Home
92
Cost of Living Index
109%
Purchasing Power
Salary Equivalent
In San Francisco:$166,631/yr
In New York City:$164,435/yr

Tax Liability Blueprint

Base Compensation$80,812
Federal Tax-$9,620
FICA / Medicare-$6,182
State Tax (NY)-$3,840
Net Take-Home$61,171
Effective Tax Rate24.3%
Calculations powered by zero-latency 2024 IRS Federal & State Marginal Tax engine. Data provided for estimation purposes.

Housing Affordability

$1,050/mo
HUD 1BR Fair Market Rent
21%
Rent-to-Income Ratio
$4,048/mo
Disposable After Rent

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Loan Officers — Other Cities

CityMedianCOLPower
New York, NY $103k187.253%
New Haven, CT $96k112.589%
Boston, MA $95k152.466%
Washington, DC $95k152.166%
San Francisco, CA $94k189.753%
Minneapolis, MN $92k105.895%
Wichita, KS $87k85.3117%
San Jose, CA $82k195.351%

Top Salaries in Rochester

RoleMedianTake-Home
Computer and Information Systems Managers $163k$10k/mo
Product Managers $160k$10k/mo
Marketing Managers $160k$10k/mo
Human Resources Managers $138k$9k/mo
Lawyers $138k$8k/mo
Pharmacists $133k$8k/mo
Chemical Engineers $132k$8k/mo
Physician Assistants $129k$8k/mo

Similar Finance Roles in Rochester

RoleMedianTake-Home
Actuaries$114k$7k/mo
Personal Financial Advisors$106k$7k/mo
Financial Analysts$86k$6k/mo
Accountants and Auditors$80k$5k/mo
Compliance Officers$79k$5k/mo
VERIFIED DATA LAYER

Data Methodology & Authenticity

Eleanor Vance
Eleanor Vance(Credentials)
Lead Data Editor
01Official BLS Sources

Aggregated directly from the U.S. Bureau of Labor Statistics (BLS) OES National Dataset. This matrix continuously analyzes over 45,000+ verified tax and payroll records locally.

02Inflation Alignment

Raw historical BLS data is algorithmically projected to 2026 using a dynamic compound inflation adjustment model to reflect real-time economic buying power.

03IRS Tax Deduction Engine

Every wage band is meticulously processed through our proprietary 50-state local tax engine. We evaluate your gross base against 2024 progressive IRS Federal, FICA, and exact localized state tax brackets, guaranteeing highly precise "Net Take-Home" data streams rather than simple baseline median averages.

04HUD Fair Market Rents

Our housing affordability indices bypass estimation completely. We anchor localized rental deductions against empirical datasets published by the **U.S. Department of Housing and Urban Development (HUD)**, locking onto exact MSA-level 1-Bedroom Fair Market Rents (FMR).

05DoL H-1B Verification

Top-tier data logic is cross-audited against the **U.S. Department of Labor OFLC LCA Disclosures**. We ingest millions of records to extract verified base salary offers directly from established Big Tech giants (Google, Meta, Apple), stripping out low-confidence projections.

Frequently Asked Questions

A $76,920 salary in Rochester, NY provides 109% of national-average purchasing power. After federal and state taxes, you'd take home approximately $5,098/month. With the median home price at $195,000, the home-price-to-income ratio is 2.4x. This salary offers above-average purchasing power in this metro area.