SOC 13-2031

Budget Analyst Salary in Baltimore-Columbia-Towson, MD (2026)

Data updated · Sources: BLS OEWS May 2025, HUD FY 2027 Fair Market Rents, EPI 2026 Family Budget, 2026 tax tables · Methodology

Tax Tables: 2026 Fed + MD + Municipal
COL Index: 123.33 (+23.3% vs US)
Net Compensation Yield 68.0% Realized
$65,360 / net annual direct deposit
Gross Adjusted $96,150 $46.23/hr
Effective Tax Drag 26.02% Combined Jurisdictions
Marginal Top Bracket 22% Federal Statutory
Total Withheld -$25,021 $962.36/check
Category 1 of 6

Wage Benchmarking & After-Tax Paycheck Engine

Dynamic statutory tax calculations based on IRS Publication 15-T and state statutory schedules.

$
2,080 annual statutory base hours $46.23 / hour
0 hrs/wk (+$0/yr)
0 hrs (Standard) 10 hrs OT 20 hrs OT 25 hrs Max
6% (-$5,769/yr)
0% Tax Shield: ~$1,269/yr 15% (IRS limit: $24,500)
Itemized Statutory Withholdings Ledger
Federal Income Tax (IRS)
Progressive 10%–37%
-$11,054
Social Security (FICA OASDI)
Statutory 6.20% (Cap $184,500)
-$5,961
Medicare Hospital Insurance
Statutory 1.45%
-$1,394
Maryland Individual Income Tax
State Marginal Bracket
-$3,929
Baltimore City local income tax
3.20%
-$2,683
Net Take-Home Annual Realized
$65,360 ($2,513.83 / check)
Category 2 of 6

Baltimore-Columbia-Towson, MD Budget Analyst Wage Distribution

Bureau of Labor Statistics Occupational Employment and Wage Statistics (OEWS) Percentiles & Career Ladders

Your Salary: $96,150
MIDDLE 50% (IQR RANGE) 10th $55.5k 25th $69.9k Median: $96,150 50th (Median) $96.2k 75th $132k 90th $153k You: $96,150
10th (Entry) $55,540 $26.70/hr
25th (Junior) $69,910 $33.61/hr
50th (Median) $96,150 $46.23/hr
75th (Senior) $131,730 $63.33/hr
90th (Lead/Master) $152,730 $73.43/hr
Career Progression & Licensing Milestones for Budget Analyst in Baltimore-Columbia-Towson, MD
1
Junior Budget AnalystFund accounting, budget variance tracking, financial reporting spreadsheets
$58,756$28.25/hr · 0-2 Years
2
Budget AnalystDepartmental appropriation requests, fiscal impact statements, revenue forecasting
$88,134$42.37/hr · 2-5 Years
3
Senior Budget AnalystLegislative/board budget defense, capital expenditure planning, fiscal policy analysis
$115,414$55.49/hr · 5-8 Years
4
Budget DirectorEnterprise / municipal budget formulation, fiscal policy governance
$148,988$71.63/hr · 8+ Years
Scaled to the Baltimore-Columbia-Towson, MD medianView National Budget Analyst Salary Data
Adjacent Career Pivots & National Pay Differences
Credit Analysts-$8,130/yr
National median: $83,510
Skill overlap: 95%
Accountants and Auditors-$7,960/yr
National median: $83,680
Skill overlap: 93%View Salary
Financial Managers+$74,930/yr
National median: $166,570
Skill overlap: 90%View Salary
Personal Financial Advisors+$13,430/yr
National median: $105,070
Skill overlap: 87%
Category 3 of 6

HUD Fair Market Rent & EPI Living Wage Affordability Index

Evaluating housing affordability vs. net take-home pay in Baltimore-Columbia-Towson, MD under the HUD 30% housing cost guideline.

Rent-to-Take-Home Ratio (HUD 30% Standard)
30% of Net Income
✓ Passes 30% Housing Affordability Standard
HUD Fair Market Rent (1-Bedroom) $1,625/month Requires minimum annual gross of $65,000
HUD Fair Market Rent (2-Bedroom) $2,006/month Requires minimum annual gross of $80,240
Hourly Living Wage Benchmark (EPI model)
1 Adult Earner: $27.27/hr
Per adult, 2 working adults + 1 child: $25.25/hr
Category 4 of 6

Hourly Wage to Annual & Overtime Matrix

Translating base hourly pay and 1.5× overtime into net take-home pay based on 2,080 annual work hours in Baltimore-Columbia-Towson, MD.

Swipe horizontally to inspect full pay schedule
Schedule Total Hours/Wk Gross Annual Est. Taxes Net Take-Home Bi-Weekly Check
Standard (40 hrs)40 hrs$96,150-$25,021$65,360$2,513.83
+5h Overtime/Wk45 hrs$114,178-$31,609$75,718$2,912.24
+10h Overtime/Wk50 hrs$132,206-$38,156$86,118$3,312.24
+15h Overtime/Wk55 hrs$150,234-$45,087$96,133$3,697.43
+20h Overtime/Wk60 hrs$168,263-$52,045$106,122$4,081.60
Category 5 of 6

Interstate MSA Relocation & State Tax Migration Comparator

Calculate required compensation, cost-of-living differences, and annual state/local tax savings between two metropolitan areas.

Equivalent Salary in Austin, TX $83,505 Cost of Living Ratio: 69.6%
Annual State & Local Tax Delta +$8,331/yr Tax savings in Austin-Round Rock-San Marcos, TX
Annual Rent Difference (1BR) -$17,676/yr Based on HUD Fair Market Rents
Net Discretionary Cash Flow Impact

Combining state tax savings and annual rent variance when relocating from San Francisco-Oakland-Fremont, CA to Austin-Round Rock-San Marcos, TX.

+$26,007/year
Category 6 of 6 · Executive Economic Briefing
2026 Fiscal Intelligence

Budget Analyst in Baltimore-Columbia-Towson, MD: Compensation & Purchasing Power Briefing (2026)

Estimates compiled from BLS OEWS wages, IRS 2026 withholding rules, HUD Fair Market Rents, and Maryland tax codes.

Market Baseline
$96,150/yr
$46.23/hr · SOC 13-2031
Statutory Tax Drag
26.02% Effective
-$25,021 in Total Taxes
HUD 1BR Shelter Ratio
30% Net Pay
✓ Passes 30% HUD Rule
Monthly Discretionary
+$3,822/mo
Post-$1,625/mo 1BR Rent

Key Economic & Compensation Takeaways

Statutory Withholding Architecture

Frequently Asked Questions

Verified Government Data Sources & Statutory Attribution

Wages sourced from US Bureau of Labor Statistics (BLS OEWS). Rents calibrated to HUD Fair Market Rents. Tax schedules calibrated to IRS IRC Title 26, IRS Pub 15-T, and state statutory revenue codes.

BLS OEWS May 2025 HUD FY2027 FMR IRS 15-T
Metro Pay Comparison SOC 13-2031
2026 Statutory Thresholds
  • Federal Standard Deduction (Single) $16,100
  • FICA OASDI Wage Base Cap $184,500
  • Pre-Tax 401(k) Elective Deferral $24,500
  • HSA Individual Annual Limit $4,400

Budget Analyst in Baltimore-Columbia-Towson, MD: Market Snapshot

Budget Analyst roles in Baltimore-Columbia-Towson, MD report a median annual wage of $96,150, 4.9% above the national median of $91,640. The 10th to 90th percentile band runs from $55,540 to $152,730, and HUD’s $1,625 monthly one-bedroom fair market rent equals 20.3% of that median gross pay. The single-adult living wage benchmark for the area is $27.27 per hour.

Highest-paying metropolitan areas for Budget Analyst

Metropolitan areaMedian annual wageVs this market
Iowa City, IA$134,850+40.2%
San Jose-Sunnyvale-Santa Clara, CA$131,730+37.0%
Ann Arbor, MI$127,860+33.0%
Washington-Arlington-Alexandria, DC-VA-MD-WV$125,050+30.1%
San Francisco-Oakland-Fremont, CA$117,360+22.1%
Huntsville, AL$113,400+17.9%
Santa Maria-Santa Barbara, CA$110,470+14.9%
San Diego-Chula Vista-Carlsbad, CA$107,010+11.3%
Gainesville, GA$106,610+10.9%
Lexington Park, MD$106,280+10.5%

Top-paying occupations benchmarked in Baltimore-Columbia-Towson, MD

OccupationMedian annual wageMedian hourly
Chief Executives$268,030$128.86/hr
Computer and Information Systems Managers$168,520$81.02/hr
Architectural and Engineering Managers$167,350$80.46/hr
Financial Manager$157,990$75.96/hr
Natural Sciences Managers$156,730$75.35/hr
Purchasing Managers$151,990$73.07/hr
Human Resources Managers$146,370$70.37/hr
Marketing Managers$140,180$67.39/hr
Software Engineer$138,900$66.78/hr
Physician Assistant$138,790$66.73/hr

Wage data: U.S. Bureau of Labor Statistics OEWS May 2025, 174 metropolitan areas publishing this occupation; HUD FY2027 Fair Market Rents; EPI Family Budget Calculator. Taxes use 2026 federal and state rules. Data last updated .

Regional Labor Market & Career Mobility Network

Explore adjacent occupations and neighboring metropolitan wage benchmarks for peer compensation analysis.

Budget Analyst Salary in Baltimore-Columbia-Towson, MD (2026) Overview

Budget Analyst median pay in Baltimore-Columbia-Towson, MD is $96,150 a year ($46.23/hr). See take-home pay after 2026 taxes, BLS wage percentiles, HUD rents. Official 2026 economic data for Budget Analyst in Baltimore-Columbia-Towson, MD compiled from Bureau of Labor Statistics OEWS surveys, HUD Fair Market Rents, and statutory tax codes.

Quick answers
What is the median salary for a Budget Analyst in Baltimore-Columbia-Towson, MD?

The median annual wage is $96,150 ($46.23 per hour). The middle 80% of earners make between $55,540 and $152,730. Source: BLS OEWS (May 2025).

What is the take-home pay for a Budget Analyst in Baltimore-Columbia-Towson, MD after taxes?

On the median wage of $96,150, a single filer with no pre-tax deductions takes home about $69,401 a year ($5,783 a month) after $26,749 in federal, FICA, state and local taxes, an effective rate of 27.82%, using 2026 tax rules.