SOC 13-2031

Budget Analyst Salary in Panama City-Panama City Beach, FL (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 + FL
COL Index: 118.31 (+18.3% vs US)
Net Compensation Yield 76.2% Realized
$63,848 / net annual direct deposit
Gross Adjusted $83,780 $40.28/hr
Effective Tax Drag 17.79% Combined Jurisdictions
Marginal Top Bracket 22% Federal Statutory
Total Withheld -$14,905 $573.26/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 $40.28 / hour
0 hrs/wk (+$0/yr)
0 hrs (Standard) 10 hrs OT 20 hrs OT 25 hrs Max
6% (-$5,027/yr)
0% Tax Shield: ~$1,106/yr 15% (IRS limit: $24,500)
Itemized Statutory Withholdings Ledger
Federal Income Tax (IRS)
Progressive 10%–37%
-$8,496
Social Security (FICA OASDI)
Statutory 6.20% (Cap $184,500)
-$5,194
Medicare Hospital Insurance
Statutory 1.45%
-$1,215
Florida Individual Income Tax
State Marginal Bracket
-$0
Net Take-Home Annual Realized
$63,848 ($2,455.70 / check)
Category 2 of 6

Panama City-Panama City Beach, FL Budget Analyst Wage Distribution

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

Your Salary: $83,780
MIDDLE 50% (IQR RANGE) 10th $63.1k 25th $76.0k Median: $83,780 50th (Median) $83.8k 75th $97.5k 90th $115k You: $83,780
10th (Entry) $63,130 $30.35/hr
25th (Junior) $76,020 $36.55/hr
50th (Median) $83,780 $40.28/hr
75th (Senior) $97,470 $46.86/hr
90th (Lead/Master) $115,210 $55.39/hr
Career Progression & Licensing Milestones for Budget Analyst in Panama City-Panama City Beach, FL
1
Junior Budget AnalystFund accounting, budget variance tracking, financial reporting spreadsheets
$51,197$24.61/hr · 0-2 Years
2
Budget AnalystDepartmental appropriation requests, fiscal impact statements, revenue forecasting
$76,795$36.92/hr · 2-5 Years
3
Senior Budget AnalystLegislative/board budget defense, capital expenditure planning, fiscal policy analysis
$100,565$48.35/hr · 5-8 Years
4
Budget DirectorEnterprise / municipal budget formulation, fiscal policy governance
$129,821$62.41/hr · 8+ Years
Scaled to the Panama City-Panama City Beach, FL 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 Panama City-Panama City Beach, FL under the HUD 30% housing cost guideline.

Rent-to-Take-Home Ratio (HUD 30% Standard)
29% of Net Income
✓ Passes 30% Housing Affordability Standard
HUD Fair Market Rent (1-Bedroom) $1,517/month Requires minimum annual gross of $60,680
HUD Fair Market Rent (2-Bedroom) $1,651/month Requires minimum annual gross of $66,040
Hourly Living Wage Benchmark (EPI model)
1 Adult Earner: $26.16/hr
Per adult, 2 working adults + 1 child: $21.73/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 Panama City-Panama City Beach, FL.

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$83,780-$14,905$63,848$2,455.70
+5h Overtime/Wk45 hrs$99,489-$19,355$74,164$2,852.47
+10h Overtime/Wk50 hrs$115,198-$23,805$84,480$3,249.24
+15h Overtime/Wk55 hrs$130,906-$28,281$94,771$3,645.04
+20h Overtime/Wk60 hrs$146,615-$33,026$104,792$4,030.45
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 Panama City-Panama City Beach, FL: Compensation & Purchasing Power Briefing (2026)

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

Market Baseline
$83,780/yr
$40.28/hr · SOC 13-2031
Statutory Tax Drag
17.79% Effective
-$14,905 in Total Taxes
HUD 1BR Shelter Ratio
29% Net Pay
✓ Passes 30% HUD Rule
Monthly Discretionary
+$3,804/mo
Post-$1,517/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 Panama City-Panama City Beach, FL: Market Snapshot

Budget Analyst roles in Panama City-Panama City Beach, FL report a median annual wage of $83,780, 8.6% below the national median of $91,640. The 10th to 90th percentile band runs from $63,130 to $115,210, and HUD’s $1,517 monthly one-bedroom fair market rent equals 21.7% of that median gross pay. The single-adult living wage benchmark for the area is $26.16 per hour.

Highest-paying metropolitan areas for Budget Analyst

Metropolitan areaMedian annual wageVs this market
Iowa City, IA$134,850+61.0%
San Jose-Sunnyvale-Santa Clara, CA$131,730+57.2%
Ann Arbor, MI$127,860+52.6%
Washington-Arlington-Alexandria, DC-VA-MD-WV$125,050+49.3%
San Francisco-Oakland-Fremont, CA$117,360+40.1%
Huntsville, AL$113,400+35.4%
Santa Maria-Santa Barbara, CA$110,470+31.9%
San Diego-Chula Vista-Carlsbad, CA$107,010+27.7%
Gainesville, GA$106,610+27.2%
Lexington Park, MD$106,280+26.9%

Top-paying occupations benchmarked in Panama City-Panama City Beach, FL

OccupationMedian annual wageMedian hourly
Architectural and Engineering Managers$155,360$74.69/hr
Computer and Information Systems Managers$138,670$66.67/hr
Purchasing Managers$135,260$65.03/hr
Industrial Production Managers$134,280$64.56/hr
Human Resources Managers$127,610$61.35/hr
Chief Executives$125,460$60.32/hr
Marketing Managers$124,960$60.08/hr
Physician Assistant$124,170$59.70/hr
Financial Manager$123,350$59.30/hr
Software Engineer$121,150$58.25/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 Panama City-Panama City Beach, FL (2026) Overview

Budget Analyst median pay in Panama City-Panama City Beach, FL is $83,780 a year ($40.28/hr). See take-home pay after 2026 taxes, BLS wage percentiles, HUD. Official 2026 economic data for Budget Analyst in Panama City-Panama City Beach, FL 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 Panama City-Panama City Beach, FL?

The median annual wage is $83,780 ($40.28 per hour). The middle 80% of earners make between $63,130 and $115,210. Source: BLS OEWS (May 2025).

What is the take-home pay for a Budget Analyst in Panama City-Panama City Beach, FL after taxes?

On the median wage of $83,780, a single filer with no pre-tax deductions takes home about $67,769 a year ($5,647 a month) after $16,011 in federal, FICA, state and local taxes, an effective rate of 19.11%, using 2026 tax rules.