SOC 13-2051

Financial Analyst Salary in Albany-Schenectady-Troy, NY (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 + NY
COL Index: 116.75 (+16.8% vs US)
Net Compensation Yield 70.9% Realized
$64,731 / net annual direct deposit
Gross Adjusted $91,270 $43.88/hr
Effective Tax Drag 23.08% Combined Jurisdictions
Marginal Top Bracket 22% Federal Statutory
Total Withheld -$21,063 $810.10/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 $43.88 / hour
0 hrs/wk (+$0/yr)
0 hrs (Standard) 10 hrs OT 20 hrs OT 25 hrs Max
6% (-$5,476/yr)
0% Tax Shield: ~$1,205/yr 15% (IRS limit: $24,500)
Itemized Statutory Withholdings Ledger
Federal Income Tax (IRS)
Progressive 10%–37%
-$10,045
Social Security (FICA OASDI)
Statutory 6.20% (Cap $184,500)
-$5,659
Medicare Hospital Insurance
Statutory 1.45%
-$1,323
New York Individual Income Tax
State Marginal Bracket
-$4,036
Net Take-Home Annual Realized
$64,731 ($2,489.66 / check)
Category 2 of 6

Albany-Schenectady-Troy, NY Financial Analyst Wage Distribution

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

Your Salary: $91,270
MIDDLE 50% (IQR RANGE) 10th $58.5k 25th $74.5k Median: $91,270 50th (Median) $91.3k 75th $113k 90th $160k You: $91,270
10th (Entry) $58,530 $28.14/hr
25th (Junior) $74,520 $35.83/hr
50th (Median) $91,270 $43.88/hr
75th (Senior) $113,400 $54.52/hr
90th (Lead/Master) $160,330 $77.08/hr
Career Progression & Licensing Milestones for Financial Analyst in Albany-Schenectady-Troy, NY
1
Junior Financial AnalystBachelor's degree (most common O*NET requirement); entry into the field
$56,588$27.21/hr · 0-2 Years
2
Financial AnalystDemonstrated results in role; works independently on core responsibilities; CFA or equivalent progress
$70,447$33.87/hr · 2-5 Years
3
Senior Financial AnalystFull professional competence; leads projects or a small team
$91,234$43.86/hr · 5-9 Years
4
Finance ManagerOwns budget, hiring and outcomes for a department or large program
$118,418$56.93/hr · 9-14 Years
5
Director of FP&AExecutive or principal scope; sets strategy across the organization or profession
$160,704$77.26/hr · 14+ Years
Scaled to the Albany-Schenectady-Troy, NY medianView National Financial Analyst Salary Data
Adjacent Career Pivots & National Pay Differences
Financial Managers+$63,830/yr
National median: $166,570
Skill overlap: 97%View Salary
Personal Financial Advisors+$2,330/yr
National median: $105,070
Skill overlap: 96%
Securities, Commodities, and Financial Services Sales Agents-$24,080/yr
National median: $78,660
Skill overlap: 95%
Financial Specialists, All Other-$21,640/yr
National median: $81,100
Skill overlap: 95%
Category 3 of 6

HUD Fair Market Rent & EPI Living Wage Affordability Index

Evaluating housing affordability vs. net take-home pay in Albany-Schenectady-Troy, NY under the HUD 30% housing cost guideline.

Rent-to-Take-Home Ratio (HUD 30% Standard)
26% of Net Income
✓ Passes 30% Housing Affordability Standard
HUD Fair Market Rent (1-Bedroom) $1,425/month Requires minimum annual gross of $57,000
HUD Fair Market Rent (2-Bedroom) $1,711/month Requires minimum annual gross of $68,440
Hourly Living Wage Benchmark (EPI model)
1 Adult Earner: $25.82/hr
Per adult, 2 working adults + 1 child: $25.92/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 Albany-Schenectady-Troy, NY.

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$91,270-$21,063$64,731$2,489.66
+5h Overtime/Wk45 hrs$108,383-$26,846$75,035$2,885.94
+10h Overtime/Wk50 hrs$125,496-$32,760$85,206$3,277.17
+15h Overtime/Wk55 hrs$142,609-$38,985$95,068$3,656.44
+20h Overtime/Wk60 hrs$159,723-$45,287$104,852$4,032.77
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

Financial Analyst in Albany-Schenectady-Troy, NY: Compensation & Purchasing Power Briefing (2026)

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

Market Baseline
$91,270/yr
$43.88/hr · SOC 13-2051
Statutory Tax Drag
23.08% Effective
-$21,063 in Total Taxes
HUD 1BR Shelter Ratio
26% Net Pay
✓ Passes 30% HUD Rule
Monthly Discretionary
+$3,969/mo
Post-$1,425/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 13-2051
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

Financial Analyst in Albany-Schenectady-Troy, NY: Market Snapshot

Financial Analyst roles in Albany-Schenectady-Troy, NY report a median annual wage of $91,270, 11.2% below the national median of $102,740. The 10th to 90th percentile band runs from $58,530 to $160,330, and HUD’s $1,425 monthly one-bedroom fair market rent equals 18.7% of that median gross pay. The single-adult living wage benchmark for the area is $25.82 per hour.

Highest-paying metropolitan areas for Financial Analyst

Metropolitan areaMedian annual wageVs this market
Bridgeport-Stamford-Danbury, CT$158,310+73.5%
San Jose-Sunnyvale-Santa Clara, CA$144,910+58.8%
Prescott Valley-Prescott, AZ$135,680+48.7%
San Francisco-Oakland-Fremont, CA$130,520+43.0%
New York-Newark-Jersey City, NY-NJ$128,930+41.3%
Seattle-Tacoma-Bellevue, WA$124,790+36.7%
Barnstable Town, MA$121,530+33.2%
Idaho Falls, ID$119,170+30.6%
Boston-Cambridge-Newton, MA-NH$117,520+28.8%
Portland-Vancouver-Hillsboro, OR-WA$117,280+28.5%

Top-paying occupations benchmarked in Albany-Schenectady-Troy, NY

OccupationMedian annual wageMedian hourly
Architectural and Engineering Managers$181,000$87.02/hr
Chief Executives$180,240$86.65/hr
Sales Managers$163,510$78.61/hr
Computer and Information Systems Managers$158,250$76.08/hr
Marketing Managers$153,580$73.84/hr
Financial Manager$150,590$72.40/hr
Industrial Production Managers$141,300$67.93/hr
Compensation and Benefits Managers$140,870$67.73/hr
Natural Sciences Managers$139,830$67.23/hr
Physician Assistant$137,850$66.27/hr

Wage data: U.S. Bureau of Labor Statistics OEWS May 2025, 323 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.

Financial Analyst Salary in Albany-Schenectady-Troy, NY (2026) Overview

Financial Analyst median pay in Albany-Schenectady-Troy, NY is $91,270 a year ($43.88/hr). See take-home pay after 2026 taxes, BLS wage percentiles, HUD rents. Official 2026 economic data for Financial Analyst in Albany-Schenectady-Troy, NY 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 Financial Analyst in Albany-Schenectady-Troy, NY?

The median annual wage is $91,270 ($43.88 per hour). The middle 80% of earners make between $58,530 and $160,330. Source: BLS OEWS (May 2025).

What is the take-home pay for a Financial Analyst in Albany-Schenectady-Troy, NY after taxes?

On the median wage of $91,270, a single filer with no pre-tax deductions takes home about $68,694 a year ($5,724 a month) after $22,576 in federal, FICA, state and local taxes, an effective rate of 24.74%, using 2026 tax rules.