SOC 13-2051

Financial Analyst Salary in Hagerstown-Martinsburg, MD-WV (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: 95.97 (-4.0% vs US)
Net Compensation Yield 70.4% Realized
$55,098 / net annual direct deposit
Gross Adjusted $78,230 $37.61/hr
Effective Tax Drag 23.57% Combined Jurisdictions
Marginal Top Bracket 22% Federal Statutory
Total Withheld -$18,438 $709.15/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 $37.61 / hour
0 hrs/wk (+$0/yr)
0 hrs (Standard) 10 hrs OT 20 hrs OT 25 hrs Max
6% (-$4,694/yr)
0% Tax Shield: ~$1,033/yr 15% (IRS limit: $24,500)
Itemized Statutory Withholdings Ledger
Federal Income Tax (IRS)
Progressive 10%–37%
-$7,348
Social Security (FICA OASDI)
Statutory 6.20% (Cap $184,500)
-$4,850
Medicare Hospital Insurance
Statutory 1.45%
-$1,134
Maryland Individual Income Tax
State Marginal Bracket
-$3,129
Washington County local income tax
2.95%
-$1,976
Net Take-Home Annual Realized
$55,098 ($2,119.16 / check)
Category 2 of 6

Hagerstown-Martinsburg, MD-WV Financial Analyst Wage Distribution

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

Your Salary: $78,230
MIDDLE 50% (IQR RANGE) 10th $61.0k 25th $72.8k Median: $78,230 50th (Median) $78.2k 75th $106k 90th $145k You: $78,230
10th (Entry) $61,050 $29.35/hr
25th (Junior) $72,850 $35.02/hr
50th (Median) $78,230 $37.61/hr
75th (Senior) $106,060 $50.99/hr
90th (Lead/Master) $144,590 $69.51/hr
Career Progression & Licensing Milestones for Financial Analyst in Hagerstown-Martinsburg, MD-WV
1
Junior Financial AnalystBachelor's degree (most common O*NET requirement); entry into the field
$48,504$23.32/hr · 0-2 Years
2
Financial AnalystDemonstrated results in role; works independently on core responsibilities; CFA or equivalent progress
$60,382$29.03/hr · 2-5 Years
3
Senior Financial AnalystFull professional competence; leads projects or a small team
$78,200$37.60/hr · 5-9 Years
4
Finance ManagerOwns budget, hiring and outcomes for a department or large program
$101,500$48.80/hr · 9-14 Years
5
Director of FP&AExecutive or principal scope; sets strategy across the organization or profession
$137,744$66.22/hr · 14+ Years
Scaled to the Hagerstown-Martinsburg, MD-WV 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 Hagerstown-Martinsburg, MD-WV under the HUD 30% housing cost guideline.

Rent-to-Take-Home Ratio (HUD 30% Standard)
21% of Net Income
✓ Passes 30% Housing Affordability Standard
HUD Fair Market Rent (1-Bedroom) $982/month Requires minimum annual gross of $39,280
HUD Fair Market Rent (2-Bedroom) $1,284/month Requires minimum annual gross of $51,360
Hourly Living Wage Benchmark (EPI model)
1 Adult Earner: $21.23/hr
Per adult, 2 working adults + 1 child: $20.00/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 Hagerstown-Martinsburg, MD-WV.

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$78,230-$18,438$55,098$2,119.16
+5h Overtime/Wk45 hrs$92,898-$23,655$63,669$2,448.81
+10h Overtime/Wk50 hrs$107,566-$28,996$72,117$2,773.72
+15h Overtime/Wk55 hrs$122,234-$34,238$80,663$3,102.41
+20h Overtime/Wk60 hrs$136,903-$39,691$88,998$3,422.99
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 Hagerstown-Martinsburg, MD-WV: 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
$78,230/yr
$37.61/hr · SOC 13-2051
Statutory Tax Drag
23.57% Effective
-$18,438 in Total Taxes
HUD 1BR Shelter Ratio
21% Net Pay
✓ Passes 30% HUD Rule
Monthly Discretionary
+$3,610/mo
Post-$982/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 Hagerstown-Martinsburg, MD-WV: Market Snapshot

Financial Analyst roles in Hagerstown-Martinsburg, MD-WV report a median annual wage of $78,230, 23.9% below the national median of $102,740. The 10th to 90th percentile band runs from $61,050 to $144,590, and HUD’s $982 monthly one-bedroom fair market rent equals 15.1% of that median gross pay. The single-adult living wage benchmark for the area is $21.23 per hour.

Highest-paying metropolitan areas for Financial Analyst

Metropolitan areaMedian annual wageVs this market
Bridgeport-Stamford-Danbury, CT$158,310+102.4%
San Jose-Sunnyvale-Santa Clara, CA$144,910+85.2%
Prescott Valley-Prescott, AZ$135,680+73.4%
San Francisco-Oakland-Fremont, CA$130,520+66.8%
New York-Newark-Jersey City, NY-NJ$128,930+64.8%
Seattle-Tacoma-Bellevue, WA$124,790+59.5%
Barnstable Town, MA$121,530+55.3%
Idaho Falls, ID$119,170+52.3%
Boston-Cambridge-Newton, MA-NH$117,520+50.2%
Portland-Vancouver-Hillsboro, OR-WA$117,280+49.9%

Top-paying occupations benchmarked in Hagerstown-Martinsburg, MD-WV

OccupationMedian annual wageMedian hourly
Architectural and Engineering Managers$157,870$75.90/hr
Purchasing Managers$156,730$75.35/hr
Human Resources Managers$149,610$71.93/hr
Solutions Architect$148,700$71.49/hr
Computer and Information Systems Managers$145,790$70.09/hr
Chief Executives$142,390$68.46/hr
Physician Assistant$137,220$65.97/hr
Financial Manager$133,590$64.23/hr
Nurse Practitioner$126,240$60.69/hr
Marketing Managers$123,210$59.24/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 Hagerstown-Martinsburg, MD-WV (2026) Overview

Financial Analyst median pay in Hagerstown-Martinsburg, MD-WV is $78,230 a year ($37.61/hr). See take-home pay after 2026 taxes, BLS wage percentiles, HUD. Official 2026 economic data for Financial Analyst in Hagerstown-Martinsburg, MD-WV 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 Hagerstown-Martinsburg, MD-WV?

The median annual wage is $78,230 ($37.61 per hour). The middle 80% of earners make between $61,050 and $144,590. Source: BLS OEWS (May 2025).

What is the take-home pay for a Financial Analyst in Hagerstown-Martinsburg, MD-WV after taxes?

On the median wage of $78,230, a single filer with no pre-tax deductions takes home about $58,398 a year ($4,866 a month) after $19,832 in federal, FICA, state and local taxes, an effective rate of 25.35%, using 2026 tax rules.