SOC 13-2051

Financial Analyst Salary in Amherst Town-Northampton, MA (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 + MA
COL Index: 121.21 (+21.2% vs US)
Net Compensation Yield 70.4% Realized
$67,471 / net annual direct deposit
Gross Adjusted $95,820 $46.07/hr
Effective Tax Drag 23.59% Combined Jurisdictions
Marginal Top Bracket 22% Federal Statutory
Total Withheld -$22,599 $869.21/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 $46.07 / hour
0 hrs/wk (+$0/yr)
0 hrs (Standard) 10 hrs OT 20 hrs OT 25 hrs Max
6% (-$5,749/yr)
0% Tax Shield: ~$1,265/yr 15% (IRS limit: $24,500)
Itemized Statutory Withholdings Ledger
Federal Income Tax (IRS)
Progressive 10%–37%
-$10,986
Social Security (FICA OASDI)
Statutory 6.20% (Cap $184,500)
-$5,941
Medicare Hospital Insurance
Statutory 1.45%
-$1,389
Massachusetts Individual Income Tax
State Marginal Bracket
-$4,284
Net Take-Home Annual Realized
$67,471 ($2,595.06 / check)
Category 2 of 6

Amherst Town-Northampton, MA Financial Analyst Wage Distribution

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

Your Salary: $95,820
MIDDLE 50% (IQR RANGE) 10th $66.3k 25th $77.5k Median: $95,820 50th (Median) $95.8k 75th $151k 90th $206k You: $95,820
10th (Entry) $66,350 $31.90/hr
25th (Junior) $77,540 $37.28/hr
50th (Median) $95,820 $46.07/hr
75th (Senior) $151,050 $72.62/hr
90th (Lead/Master) $206,180 $99.13/hr
Career Progression & Licensing Milestones for Financial Analyst in Amherst Town-Northampton, MA
1
Junior Financial AnalystBachelor's degree (most common O*NET requirement); entry into the field
$59,410$28.56/hr · 0-2 Years
2
Financial AnalystDemonstrated results in role; works independently on core responsibilities; CFA or equivalent progress
$73,959$35.56/hr · 2-5 Years
3
Senior Financial AnalystFull professional competence; leads projects or a small team
$95,783$46.05/hr · 5-9 Years
4
Finance ManagerOwns budget, hiring and outcomes for a department or large program
$124,322$59.77/hr · 9-14 Years
5
Director of FP&AExecutive or principal scope; sets strategy across the organization or profession
$168,716$81.11/hr · 14+ Years
Scaled to the Amherst Town-Northampton, MA 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 Amherst Town-Northampton, MA under the HUD 30% housing cost guideline.

Rent-to-Take-Home Ratio (HUD 30% Standard)
28% of Net Income
✓ Passes 30% Housing Affordability Standard
HUD Fair Market Rent (1-Bedroom) $1,593/month Requires minimum annual gross of $63,720
HUD Fair Market Rent (2-Bedroom) $2,034/month Requires minimum annual gross of $81,360
Hourly Living Wage Benchmark (EPI model)
1 Adult Earner: $26.81/hr
Per adult, 2 working adults + 1 child: $25.45/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 Amherst Town-Northampton, MA.

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$95,820-$22,599$67,471$2,595.06
+5h Overtime/Wk45 hrs$113,786-$28,534$78,425$3,016.36
+10h Overtime/Wk50 hrs$131,753-$34,509$89,339$3,436.10
+15h Overtime/Wk55 hrs$149,719-$40,781$99,955$3,844.42
+20h Overtime/Wk60 hrs$167,685-$47,053$110,571$4,252.73
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 Amherst Town-Northampton, MA: Compensation & Purchasing Power Briefing (2026)

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

Market Baseline
$95,820/yr
$46.07/hr · SOC 13-2051
Statutory Tax Drag
23.59% Effective
-$22,599 in Total Taxes
HUD 1BR Shelter Ratio
28% Net Pay
✓ Passes 30% HUD Rule
Monthly Discretionary
+$4,030/mo
Post-$1,593/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 Amherst Town-Northampton, MA: Market Snapshot

Financial Analyst roles in Amherst Town-Northampton, MA report a median annual wage of $95,820, 6.7% below the national median of $102,740. The 10th to 90th percentile band runs from $66,350 to $206,180, and HUD’s $1,593 monthly one-bedroom fair market rent equals 19.9% of that median gross pay. The single-adult living wage benchmark for the area is $26.81 per hour.

Highest-paying metropolitan areas for Financial Analyst

Metropolitan areaMedian annual wageVs this market
Bridgeport-Stamford-Danbury, CT$158,310+65.2%
San Jose-Sunnyvale-Santa Clara, CA$144,910+51.2%
Prescott Valley-Prescott, AZ$135,680+41.6%
San Francisco-Oakland-Fremont, CA$130,520+36.2%
New York-Newark-Jersey City, NY-NJ$128,930+34.6%
Seattle-Tacoma-Bellevue, WA$124,790+30.2%
Barnstable Town, MA$121,530+26.8%
Idaho Falls, ID$119,170+24.4%
Boston-Cambridge-Newton, MA-NH$117,520+22.6%
Portland-Vancouver-Hillsboro, OR-WA$117,280+22.4%

Top-paying occupations benchmarked in Amherst Town-Northampton, MA

OccupationMedian annual wageMedian hourly
Architectural and Engineering Managers$169,330$81.41/hr
Marketing Managers$161,020$77.41/hr
Computer and Information Systems Managers$156,040$75.02/hr
Financial Manager$144,950$69.69/hr
Natural Sciences Managers$140,500$67.55/hr
Sales Managers$138,100$66.39/hr
Fundraising Managers$136,890$65.81/hr
Physician Assistant$134,860$64.84/hr
Nurse Practitioner$133,050$63.97/hr
Public Relations Managers$132,990$63.94/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 Amherst Town-Northampton, MA (2026) Overview

Financial Analyst median pay in Amherst Town-Northampton, MA is $95,820 a year ($46.07/hr). See take-home pay after 2026 taxes, BLS wage percentiles, HUD rents. Official 2026 economic data for Financial Analyst in Amherst Town-Northampton, MA 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 Amherst Town-Northampton, MA?

The median annual wage is $95,820 ($46.07 per hour). The middle 80% of earners make between $66,350 and $206,180. Source: BLS OEWS (May 2025).

What is the take-home pay for a Financial Analyst in Amherst Town-Northampton, MA after taxes?

On the median wage of $95,820, a single filer with no pre-tax deductions takes home about $71,668 a year ($5,972 a month) after $24,152 in federal, FICA, state and local taxes, an effective rate of 25.21%, using 2026 tax rules.