SOC 13-2051

Financial Analyst Salary in Philadelphia, PA-NJ-DE-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 + PA + Municipal
COL Index: 119.89 (+19.9% vs US)
Net Compensation Yield 68.1% Realized
$64,987 / net annual direct deposit
Gross Adjusted $95,400 $45.87/hr
Effective Tax Drag 25.88% Combined Jurisdictions
Marginal Top Bracket 22% Federal Statutory
Total Withheld -$24,689 $949.57/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 $45.87 / hour
0 hrs/wk (+$0/yr)
0 hrs (Standard) 10 hrs OT 20 hrs OT 25 hrs Max
6% (-$5,724/yr)
0% Tax Shield: ~$1,259/yr 15% (IRS limit: $24,500)
Itemized Statutory Withholdings Ledger
Federal Income Tax (IRS)
Progressive 10%–37%
-$10,899
Social Security (FICA OASDI)
Statutory 6.20% (Cap $184,500)
-$5,915
Medicare Hospital Insurance
Statutory 1.45%
-$1,383
Pennsylvania Individual Income Tax
State Marginal Bracket
-$2,929
Philadelphia wage tax
3.74%
-$3,563
Net Take-Home Annual Realized
$64,987 ($2,499.51 / check)
Category 2 of 6

Philadelphia-Camden-Wilmington, PA-NJ-DE-MD Financial Analyst Wage Distribution

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

Your Salary: $95,400
MIDDLE 50% (IQR RANGE) 10th $57.3k 25th $77.7k Median: $95,400 50th (Median) $95.4k 75th $131k 90th $166k You: $95,400
10th (Entry) $57,260 $27.53/hr
25th (Junior) $77,730 $37.37/hr
50th (Median) $95,400 $45.87/hr
75th (Senior) $130,760 $62.87/hr
90th (Lead/Master) $165,600 $79.62/hr
Career Progression & Licensing Milestones for Financial Analyst in Philadelphia-Camden-Wilmington, PA-NJ-DE-MD
1
Junior Financial AnalystBachelor's degree (most common O*NET requirement); entry into the field
$59,149$28.44/hr · 0-2 Years
2
Financial AnalystDemonstrated results in role; works independently on core responsibilities; CFA or equivalent progress
$73,635$35.40/hr · 2-5 Years
3
Senior Financial AnalystFull professional competence; leads projects or a small team
$95,363$45.85/hr · 5-9 Years
4
Finance ManagerOwns budget, hiring and outcomes for a department or large program
$123,777$59.51/hr · 9-14 Years
5
Director of FP&AExecutive or principal scope; sets strategy across the organization or profession
$167,976$80.76/hr · 14+ Years
Scaled to the Philadelphia-Camden-Wilmington, PA-NJ-DE-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 Philadelphia-Camden-Wilmington, PA-NJ-DE-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) $1,558/month Requires minimum annual gross of $62,320
HUD Fair Market Rent (2-Bedroom) $1,860/month Requires minimum annual gross of $74,400
Hourly Living Wage Benchmark (EPI model)
1 Adult Earner: $26.51/hr
Per adult, 2 working adults + 1 child: $24.25/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 Philadelphia-Camden-Wilmington, PA-NJ-DE-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$95,400-$24,689$64,987$2,499.51
+5h Overtime/Wk45 hrs$113,288-$30,974$75,517$2,904.49
+10h Overtime/Wk50 hrs$131,175-$37,288$86,016$3,308.31
+15h Overtime/Wk55 hrs$149,063-$43,909$96,209$3,700.36
+20h Overtime/Wk60 hrs$166,950-$50,531$106,402$4,092.40
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 Philadelphia-Camden-Wilmington, PA-NJ-DE-MD: Compensation & Purchasing Power Briefing (2026)

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

Market Baseline
$95,400/yr
$45.87/hr · SOC 13-2051
Statutory Tax Drag
25.88% Effective
-$24,689 in Total Taxes
HUD 1BR Shelter Ratio
29% Net Pay
✓ Passes 30% HUD Rule
Monthly Discretionary
+$3,858/mo
Post-$1,558/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 Philadelphia-Camden-Wilmington, PA-NJ-DE-MD: Market Snapshot

Financial Analyst roles in Philadelphia-Camden-Wilmington, PA-NJ-DE-MD report a median annual wage of $95,400, 7.1% below the national median of $102,740. The 10th to 90th percentile band runs from $57,260 to $165,600, and HUD’s $1,558 monthly one-bedroom fair market rent equals 19.6% of that median gross pay. The single-adult living wage benchmark for the area is $26.51 per hour.

Highest-paying metropolitan areas for Financial Analyst

Metropolitan areaMedian annual wageVs this market
Bridgeport-Stamford-Danbury, CT$158,310+65.9%
San Jose-Sunnyvale-Santa Clara, CA$144,910+51.9%
Prescott Valley-Prescott, AZ$135,680+42.2%
San Francisco-Oakland-Fremont, CA$130,520+36.8%
New York-Newark-Jersey City, NY-NJ$128,930+35.1%
Seattle-Tacoma-Bellevue, WA$124,790+30.8%
Barnstable Town, MA$121,530+27.4%
Idaho Falls, ID$119,170+24.9%
Boston-Cambridge-Newton, MA-NH$117,520+23.2%
Portland-Vancouver-Hillsboro, OR-WA$117,280+22.9%

Top-paying occupations benchmarked in Philadelphia-Camden-Wilmington, PA-NJ-DE-MD

OccupationMedian annual wageMedian hourly
Chief Executives$292,770$140.75/hr
Computer and Information Systems Managers$173,470$83.40/hr
Natural Sciences Managers$172,900$83.12/hr
Architectural and Engineering Managers$171,140$82.28/hr
Financial Manager$166,920$80.25/hr
Marketing Managers$166,310$79.96/hr
Data Engineer$163,590$78.65/hr
Sales Managers$156,500$75.24/hr
Purchasing Managers$155,500$74.76/hr
Human Resources Managers$154,490$74.27/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 Philadelphia, PA-NJ-DE-MD (2026) Overview

Financial Analyst median pay in Philadelphia-Camden-Wilmington, PA-NJ-DE-MD is $95,400 a year ($45.87/hr). See take-home pay after 2026 taxes, BLS wage. Official 2026 economic data for Financial Analyst in Philadelphia-Camden-Wilmington, PA-NJ-DE-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 Philadelphia-Camden-Wilmington, PA-NJ-DE-MD?

The median annual wage is $95,400 ($45.87 per hour). The middle 80% of earners make between $57,260 and $165,600. Source: BLS OEWS (May 2025).

What is the take-home pay for a Financial Analyst in Philadelphia-Camden-Wilmington, PA-NJ-DE-MD after taxes?

On the median wage of $95,400, a single filer with no pre-tax deductions takes home about $69,452 a year ($5,788 a month) after $25,948 in federal, FICA, state and local taxes, an effective rate of 27.2%, using 2026 tax rules.