SOC 13-2051

Financial Analyst Salary in Cincinnati, OH-KY-IN (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 + OH + Municipal
COL Index: 96.68 (-3.3% vs US)
Net Compensation Yield 72.4% Realized
$62,328 / net annual direct deposit
Gross Adjusted $86,040 $41.37/hr
Effective Tax Drag 21.56% Combined Jurisdictions
Marginal Top Bracket 22% Federal Statutory
Total Withheld -$18,549 $713.44/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 $41.37 / hour
0 hrs/wk (+$0/yr)
0 hrs (Standard) 10 hrs OT 20 hrs OT 25 hrs Max
6% (-$5,162/yr)
0% Tax Shield: ~$1,136/yr 15% (IRS limit: $24,500)
Itemized Statutory Withholdings Ledger
Federal Income Tax (IRS)
Progressive 10%–37%
-$8,963
Social Security (FICA OASDI)
Statutory 6.20% (Cap $184,500)
-$5,334
Medicare Hospital Insurance
Statutory 1.45%
-$1,248
Ohio Individual Income Tax
State Marginal Bracket
-$1,456
Cincinnati city income tax
1.80%
-$1,549
Net Take-Home Annual Realized
$62,328 ($2,397.24 / check)
Category 2 of 6

Cincinnati, OH-KY-IN Financial Analyst Wage Distribution

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

Your Salary: $86,040
MIDDLE 50% (IQR RANGE) 10th $51.8k 25th $63.8k Median: $86,040 50th (Median) $86.0k 75th $111k 90th $162k You: $86,040
10th (Entry) $51,820 $24.91/hr
25th (Junior) $63,810 $30.68/hr
50th (Median) $86,040 $41.37/hr
75th (Senior) $110,730 $53.24/hr
90th (Lead/Master) $161,610 $77.70/hr
Career Progression & Licensing Milestones for Financial Analyst in Cincinnati, OH-KY-IN
1
Junior Financial AnalystBachelor's degree (most common O*NET requirement); entry into the field
$53,346$25.65/hr · 0-2 Years
2
Financial AnalystDemonstrated results in role; works independently on core responsibilities; CFA or equivalent progress
$66,410$31.93/hr · 2-5 Years
3
Senior Financial AnalystFull professional competence; leads projects or a small team
$86,007$41.35/hr · 5-9 Years
4
Finance ManagerOwns budget, hiring and outcomes for a department or large program
$111,633$53.67/hr · 9-14 Years
5
Director of FP&AExecutive or principal scope; sets strategy across the organization or profession
$151,495$72.83/hr · 14+ Years
Scaled to the Cincinnati, OH-KY-IN 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 Cincinnati, OH-KY-IN under the HUD 30% housing cost guideline.

Rent-to-Take-Home Ratio (HUD 30% Standard)
22% of Net Income
✓ Passes 30% Housing Affordability Standard
HUD Fair Market Rent (1-Bedroom) $1,128/month Requires minimum annual gross of $45,120
HUD Fair Market Rent (2-Bedroom) $1,442/month Requires minimum annual gross of $57,680
Hourly Living Wage Benchmark (EPI model)
1 Adult Earner: $21.38/hr
Per adult, 2 working adults + 1 child: $21.46/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 Cincinnati, OH-KY-IN.

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$86,040-$18,549$62,328$2,397.24
+5h Overtime/Wk45 hrs$102,173-$23,827$72,215$2,777.50
+10h Overtime/Wk50 hrs$118,305-$29,105$82,102$3,157.76
+15h Overtime/Wk55 hrs$134,438-$34,474$91,897$3,534.51
+20h Overtime/Wk60 hrs$150,570-$40,055$101,481$3,903.11
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 Cincinnati, OH-KY-IN: Compensation & Purchasing Power Briefing (2026)

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

Market Baseline
$86,040/yr
$41.37/hr · SOC 13-2051
Statutory Tax Drag
21.56% Effective
-$18,549 in Total Taxes
HUD 1BR Shelter Ratio
22% Net Pay
✓ Passes 30% HUD Rule
Monthly Discretionary
+$4,066/mo
Post-$1,128/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 Cincinnati, OH-KY-IN: Market Snapshot

Financial Analyst roles in Cincinnati, OH-KY-IN report a median annual wage of $86,040, 16.3% below the national median of $102,740. The 10th to 90th percentile band runs from $51,820 to $161,610, and HUD’s $1,128 monthly one-bedroom fair market rent equals 15.7% of that median gross pay. The single-adult living wage benchmark for the area is $21.38 per hour.

Highest-paying metropolitan areas for Financial Analyst

Metropolitan areaMedian annual wageVs this market
Bridgeport-Stamford-Danbury, CT$158,310+84.0%
San Jose-Sunnyvale-Santa Clara, CA$144,910+68.4%
Prescott Valley-Prescott, AZ$135,680+57.7%
San Francisco-Oakland-Fremont, CA$130,520+51.7%
New York-Newark-Jersey City, NY-NJ$128,930+49.8%
Seattle-Tacoma-Bellevue, WA$124,790+45.0%
Barnstable Town, MA$121,530+41.2%
Idaho Falls, ID$119,170+38.5%
Boston-Cambridge-Newton, MA-NH$117,520+36.6%
Portland-Vancouver-Hillsboro, OR-WA$117,280+36.3%

Top-paying occupations benchmarked in Cincinnati, OH-KY-IN

OccupationMedian annual wageMedian hourly
Chief Executives$207,170$99.60/hr
Architectural and Engineering Managers$177,160$85.17/hr
Computer and Information Systems Managers$169,530$81.50/hr
Natural Sciences Managers$164,300$78.99/hr
Financial Manager$152,700$73.41/hr
Purchasing Managers$150,190$72.21/hr
Marketing Managers$145,770$70.08/hr
Sales Managers$138,790$66.73/hr
Compensation and Benefits Managers$136,220$65.49/hr
Data Engineer$134,480$64.65/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 Cincinnati, OH-KY-IN (2026) Overview

Financial Analyst median pay in Cincinnati, OH-KY-IN is $86,040 a year ($41.37/hr). See take-home pay after 2026 taxes, BLS wage percentiles, HUD rents. Official 2026 economic data for Financial Analyst in Cincinnati, OH-KY-IN 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 Cincinnati, OH-KY-IN?

The median annual wage is $86,040 ($41.37 per hour). The middle 80% of earners make between $51,820 and $161,610. Source: BLS OEWS (May 2025).

What is the take-home pay for a Financial Analyst in Cincinnati, OH-KY-IN after taxes?

On the median wage of $86,040, a single filer with no pre-tax deductions takes home about $66,213 a year ($5,518 a month) after $19,827 in federal, FICA, state and local taxes, an effective rate of 23.04%, using 2026 tax rules.