SOC 13-2051

Financial 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 67.7% Realized
$66,948 / net annual direct deposit
Gross Adjusted $98,880 $47.54/hr
Effective Tax Drag 26.29% Combined Jurisdictions
Marginal Top Bracket 22% Federal Statutory
Total Withheld -$25,999 $999.95/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 $47.54 / hour
0 hrs/wk (+$0/yr)
0 hrs (Standard) 10 hrs OT 20 hrs OT 25 hrs Max
6% (-$5,933/yr)
0% Tax Shield: ~$1,305/yr 15% (IRS limit: $24,500)
Itemized Statutory Withholdings Ledger
Federal Income Tax (IRS)
Progressive 10%–37%
-$11,618
Social Security (FICA OASDI)
Statutory 6.20% (Cap $184,500)
-$6,131
Medicare Hospital Insurance
Statutory 1.45%
-$1,434
Maryland Individual Income Tax
State Marginal Bracket
-$4,051
Baltimore City local income tax
3.20%
-$2,765
Net Take-Home Annual Realized
$66,948 ($2,574.94 / check)
Category 2 of 6

Baltimore-Columbia-Towson, MD Financial Analyst Wage Distribution

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

Your Salary: $98,880
MIDDLE 50% (IQR RANGE) 10th $63.8k 25th $80.1k Median: $98,880 50th (Median) $98.9k 75th $136k 90th $193k You: $98,880
10th (Entry) $63,770 $30.66/hr
25th (Junior) $80,120 $38.52/hr
50th (Median) $98,880 $47.54/hr
75th (Senior) $135,570 $65.18/hr
90th (Lead/Master) $192,950 $92.76/hr
Career Progression & Licensing Milestones for Financial Analyst in Baltimore-Columbia-Towson, MD
1
Junior Financial AnalystBachelor's degree (most common O*NET requirement); entry into the field
$61,307$29.47/hr · 0-2 Years
2
Financial AnalystDemonstrated results in role; works independently on core responsibilities; CFA or equivalent progress
$76,321$36.69/hr · 2-5 Years
3
Senior Financial AnalystFull professional competence; leads projects or a small team
$98,842$47.52/hr · 5-9 Years
4
Finance ManagerOwns budget, hiring and outcomes for a department or large program
$128,292$61.68/hr · 9-14 Years
5
Director of FP&AExecutive or principal scope; sets strategy across the organization or profession
$174,103$83.70/hr · 14+ Years
Scaled to the Baltimore-Columbia-Towson, MD 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 Baltimore-Columbia-Towson, MD 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) $1,625/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$98,880-$25,999$66,948$2,574.94
+5h Overtime/Wk45 hrs$117,420-$32,777$77,597$2,984.51
+10h Overtime/Wk50 hrs$135,960-$39,645$88,158$3,390.69
+15h Overtime/Wk55 hrs$154,500-$46,715$98,515$3,789.05
+20h Overtime/Wk60 hrs$173,040-$53,879$108,778$4,183.79
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 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
$98,880/yr
$47.54/hr · SOC 13-2051
Statutory Tax Drag
26.29% Effective
-$25,999 in Total Taxes
HUD 1BR Shelter Ratio
29% Net Pay
✓ Passes 30% HUD Rule
Monthly Discretionary
+$3,954/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 13-2051
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 Baltimore-Columbia-Towson, MD: Market Snapshot

Financial Analyst roles in Baltimore-Columbia-Towson, MD report a median annual wage of $98,880, 3.8% below the national median of $102,740. The 10th to 90th percentile band runs from $63,770 to $192,950, and HUD’s $1,625 monthly one-bedroom fair market rent equals 19.7% of that median gross pay. The single-adult living wage benchmark for the area is $27.27 per hour.

Highest-paying metropolitan areas for Financial Analyst

Metropolitan areaMedian annual wageVs this market
Bridgeport-Stamford-Danbury, CT$158,310+60.1%
San Jose-Sunnyvale-Santa Clara, CA$144,910+46.6%
Prescott Valley-Prescott, AZ$135,680+37.2%
San Francisco-Oakland-Fremont, CA$130,520+32.0%
New York-Newark-Jersey City, NY-NJ$128,930+30.4%
Seattle-Tacoma-Bellevue, WA$124,790+26.2%
Barnstable Town, MA$121,530+22.9%
Idaho Falls, ID$119,170+20.5%
Boston-Cambridge-Newton, MA-NH$117,520+18.9%
Portland-Vancouver-Hillsboro, OR-WA$117,280+18.6%

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, 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 Baltimore-Columbia-Towson, MD (2026) Overview

Financial Analyst median pay in Baltimore-Columbia-Towson, MD is $98,880 a year ($47.54/hr). See take-home pay after 2026 taxes, BLS wage percentiles, HUD. Official 2026 economic data for Financial 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 Financial Analyst in Baltimore-Columbia-Towson, MD?

The median annual wage is $98,880 ($47.54 per hour). The middle 80% of earners make between $63,770 and $192,950. Source: BLS OEWS (May 2025).

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

On the median wage of $98,880, a single filer with no pre-tax deductions takes home about $71,104 a year ($5,925 a month) after $27,776 in federal, FICA, state and local taxes, an effective rate of 28.09%, using 2026 tax rules.