SOC 13-2051

Financial Analyst Salary in Charlotte-Concord-Gastonia, NC-SC (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 + NC
COL Index: 137.19 (+37.2% vs US)
Net Compensation Yield 70.7% Realized
$75,289 / net annual direct deposit
Gross Adjusted $106,510 $51.21/hr
Effective Tax Drag 23.31% Combined Jurisdictions
Marginal Top Bracket 22% Federal Statutory
Total Withheld -$24,830 $955.01/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 $51.21 / hour
0 hrs/wk (+$0/yr)
0 hrs (Standard) 10 hrs OT 20 hrs OT 25 hrs Max
6% (-$6,391/yr)
0% Tax Shield: ~$1,406/yr 15% (IRS limit: $24,500)
Itemized Statutory Withholdings Ledger
Federal Income Tax (IRS)
Progressive 10%–37%
-$13,196
Social Security (FICA OASDI)
Statutory 6.20% (Cap $184,500)
-$6,604
Medicare Hospital Insurance
Statutory 1.45%
-$1,544
North Carolina Individual Income Tax
State Marginal Bracket
-$3,486
Net Take-Home Annual Realized
$75,289 ($2,895.73 / check)
Category 2 of 6

Charlotte-Concord-Gastonia, NC-SC Financial Analyst Wage Distribution

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

Your Salary: $106,510
MIDDLE 50% (IQR RANGE) 10th $65.5k 25th $83.5k Median: $106,510 50th (Median) $107k 75th $136k 90th $172k You: $106,510
10th (Entry) $65,540 $31.51/hr
25th (Junior) $83,450 $40.12/hr
50th (Median) $106,510 $51.21/hr
75th (Senior) $136,090 $65.43/hr
90th (Lead/Master) $172,310 $82.84/hr
Career Progression & Licensing Milestones for Financial Analyst in Charlotte-Concord-Gastonia, NC-SC
1
Junior Financial AnalystBachelor's degree (most common O*NET requirement); entry into the field
$66,037$31.75/hr · 0-2 Years
2
Financial AnalystDemonstrated results in role; works independently on core responsibilities; CFA or equivalent progress
$82,210$39.52/hr · 2-5 Years
3
Senior Financial AnalystFull professional competence; leads projects or a small team
$106,469$51.19/hr · 5-9 Years
4
Finance ManagerOwns budget, hiring and outcomes for a department or large program
$138,191$66.44/hr · 9-14 Years
5
Director of FP&AExecutive or principal scope; sets strategy across the organization or profession
$187,538$90.16/hr · 14+ Years
Scaled to the Charlotte-Concord-Gastonia, NC-SC 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 Charlotte-Concord-Gastonia, NC-SC 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) $1,640/month Requires minimum annual gross of $65,600
HUD Fair Market Rent (2-Bedroom) $1,785/month Requires minimum annual gross of $71,400
Hourly Living Wage Benchmark (EPI model)
1 Adult Earner: $30.34/hr
Per adult, 2 working adults + 1 child: $23.97/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 Charlotte-Concord-Gastonia, NC-SC.

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$106,510-$24,830$75,289$2,895.73
+5h Overtime/Wk45 hrs$126,481-$31,237$87,655$3,371.34
+10h Overtime/Wk50 hrs$146,451-$37,961$99,703$3,834.74
+15h Overtime/Wk55 hrs$166,422-$44,743$111,693$4,295.90
+20h Overtime/Wk60 hrs$186,393-$51,408$123,801$4,761.58
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 Charlotte-Concord-Gastonia, NC-SC: Compensation & Purchasing Power Briefing (2026)

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

Market Baseline
$106,510/yr
$51.21/hr · SOC 13-2051
Statutory Tax Drag
23.31% Effective
-$24,830 in Total Taxes
HUD 1BR Shelter Ratio
26% Net Pay
✓ Passes 30% HUD Rule
Monthly Discretionary
+$4,634/mo
Post-$1,640/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 Charlotte-Concord-Gastonia, NC-SC: Market Snapshot

Financial Analyst roles in Charlotte-Concord-Gastonia, NC-SC report a median annual wage of $106,510, 3.7% above the national median of $102,740. The 10th to 90th percentile band runs from $65,540 to $172,310, and HUD’s $1,640 monthly one-bedroom fair market rent equals 18.5% of that median gross pay. The single-adult living wage benchmark for the area is $30.34 per hour.

Highest-paying metropolitan areas for Financial Analyst

Metropolitan areaMedian annual wageVs this market
Bridgeport-Stamford-Danbury, CT$158,310+48.6%
San Jose-Sunnyvale-Santa Clara, CA$144,910+36.1%
Prescott Valley-Prescott, AZ$135,680+27.4%
San Francisco-Oakland-Fremont, CA$130,520+22.5%
New York-Newark-Jersey City, NY-NJ$128,930+21.0%
Seattle-Tacoma-Bellevue, WA$124,790+17.2%
Barnstable Town, MA$121,530+14.1%
Idaho Falls, ID$119,170+11.9%
Boston-Cambridge-Newton, MA-NH$117,520+10.3%
Portland-Vancouver-Hillsboro, OR-WA$117,280+10.1%

Top-paying occupations benchmarked in Charlotte-Concord-Gastonia, NC-SC

OccupationMedian annual wageMedian hourly
Chief Executives$329,030$158.19/hr
Computer and Information Systems Managers$176,840$85.02/hr
Natural Sciences Managers$173,160$83.25/hr
Financial Manager$172,760$83.06/hr
Architectural and Engineering Managers$169,960$81.71/hr
Compensation and Benefits Managers$167,450$80.50/hr
Marketing Managers$166,200$79.90/hr
Sales Managers$162,000$77.88/hr
Human Resources Managers$158,930$76.41/hr
Purchasing Managers$144,270$69.36/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 Charlotte-Concord-Gastonia, NC-SC (2026) Overview

Financial Analyst median pay in Charlotte-Concord-Gastonia, NC-SC is $106,510 a year ($51.21/hr). See take-home pay after 2026 taxes, BLS wage percentiles, HUD. Official 2026 economic data for Financial Analyst in Charlotte-Concord-Gastonia, NC-SC 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 Charlotte-Concord-Gastonia, NC-SC?

The median annual wage is $106,510 ($51.21 per hour). The middle 80% of earners make between $65,540 and $172,310. Source: BLS OEWS (May 2025).

What is the take-home pay for a Financial Analyst in Charlotte-Concord-Gastonia, NC-SC after taxes?

On the median wage of $106,510, a single filer with no pre-tax deductions takes home about $80,019 a year ($6,668 a month) after $26,491 in federal, FICA, state and local taxes, an effective rate of 24.87%, using 2026 tax rules.