SOC 13-2051

Financial Analyst Salary in Sacramento-Roseville-Folsom, CA (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 + CA
COL Index: 144.55 (+44.6% vs US)
Net Compensation Yield 68.3% Realized
$71,061 / net annual direct deposit
Gross Adjusted $103,980 $49.99/hr
Effective Tax Drag 25.66% Combined Jurisdictions
Marginal Top Bracket 22% Federal Statutory
Total Withheld -$26,680 $1,026.16/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 $49.99 / hour
0 hrs/wk (+$0/yr)
0 hrs (Standard) 10 hrs OT 20 hrs OT 25 hrs Max
6% (-$6,239/yr)
0% Tax Shield: ~$1,373/yr 15% (IRS limit: $24,500)
Itemized Statutory Withholdings Ledger
Federal Income Tax (IRS)
Progressive 10%–37%
-$12,673
Social Security (FICA OASDI)
Statutory 6.20% (Cap $184,500)
-$6,447
Medicare Hospital Insurance
Statutory 1.45%
-$1,508
California Individual Income Tax
State Marginal Bracket
-$4,701
State Disability Insurance (SDI)
Statutory Payroll Assessment
-$1,352
Net Take-Home Annual Realized
$71,061 ($2,733.12 / check)
Category 2 of 6

Sacramento-Roseville-Folsom, CA Financial Analyst Wage Distribution

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

Your Salary: $103,980
MIDDLE 50% (IQR RANGE) 10th $74.2k 25th $83.3k Median: $103,980 50th (Median) $104k 75th $131k 90th $177k You: $103,980
10th (Entry) $74,170 $35.66/hr
25th (Junior) $83,310 $40.05/hr
50th (Median) $103,980 $49.99/hr
75th (Senior) $131,290 $63.12/hr
90th (Lead/Master) $177,470 $85.32/hr
Career Progression & Licensing Milestones for Financial Analyst in Sacramento-Roseville-Folsom, CA
1
Junior Financial AnalystBachelor's degree (most common O*NET requirement); entry into the field
$64,469$30.99/hr · 0-2 Years
2
Financial AnalystDemonstrated results in role; works independently on core responsibilities; CFA or equivalent progress
$80,257$38.59/hr · 2-5 Years
3
Senior Financial AnalystFull professional competence; leads projects or a small team
$103,940$49.97/hr · 5-9 Years
4
Finance ManagerOwns budget, hiring and outcomes for a department or large program
$134,909$64.86/hr · 9-14 Years
5
Director of FP&AExecutive or principal scope; sets strategy across the organization or profession
$183,083$88.02/hr · 14+ Years
Scaled to the Sacramento-Roseville-Folsom, CA 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 Sacramento-Roseville-Folsom, CA under the HUD 30% housing cost guideline.

Rent-to-Take-Home Ratio (HUD 30% Standard)
30% of Net Income
✓ Passes 30% Housing Affordability Standard
HUD Fair Market Rent (1-Bedroom) $1,793/month Requires minimum annual gross of $71,720
HUD Fair Market Rent (2-Bedroom) $2,201/month Requires minimum annual gross of $88,040
Hourly Living Wage Benchmark (EPI model)
1 Adult Earner: $31.97/hr
Per adult, 2 working adults + 1 child: $28.95/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 Sacramento-Roseville-Folsom, CA.

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$103,980-$26,680$71,061$2,733.12
+5h Overtime/Wk45 hrs$123,476-$34,161$81,907$3,150.25
+10h Overtime/Wk50 hrs$142,973-$41,894$92,500$3,557.69
+15h Overtime/Wk55 hrs$162,469-$49,742$102,979$3,960.72
+20h Overtime/Wk60 hrs$181,965-$57,589$113,458$4,363.76
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 Sacramento-Roseville-Folsom, CA: Compensation & Purchasing Power Briefing (2026)

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

Market Baseline
$103,980/yr
$49.99/hr · SOC 13-2051
Statutory Tax Drag
25.66% Effective
-$26,680 in Total Taxes
HUD 1BR Shelter Ratio
30% Net Pay
✓ Passes 30% HUD Rule
Monthly Discretionary
+$4,129/mo
Post-$1,793/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 Sacramento-Roseville-Folsom, CA: Market Snapshot

Financial Analyst roles in Sacramento-Roseville-Folsom, CA report a median annual wage of $103,980, 1.2% above the national median of $102,740. The 10th to 90th percentile band runs from $74,170 to $177,470, and HUD’s $1,793 monthly one-bedroom fair market rent equals 20.7% of that median gross pay. The single-adult living wage benchmark for the area is $31.97 per hour.

Highest-paying metropolitan areas for Financial Analyst

Metropolitan areaMedian annual wageVs this market
Bridgeport-Stamford-Danbury, CT$158,310+52.3%
San Jose-Sunnyvale-Santa Clara, CA$144,910+39.4%
Prescott Valley-Prescott, AZ$135,680+30.5%
San Francisco-Oakland-Fremont, CA$130,520+25.5%
New York-Newark-Jersey City, NY-NJ$128,930+24.0%
Seattle-Tacoma-Bellevue, WA$124,790+20.0%
Barnstable Town, MA$121,530+16.9%
Idaho Falls, ID$119,170+14.6%
Boston-Cambridge-Newton, MA-NH$117,520+13.0%
Portland-Vancouver-Hillsboro, OR-WA$117,280+12.8%

Top-paying occupations benchmarked in Sacramento-Roseville-Folsom, CA

OccupationMedian annual wageMedian hourly
Architectural and Engineering Managers$193,970$93.25/hr
Nurse Practitioner$172,010$82.70/hr
Registered Nurse (RN)$171,460$82.43/hr
Natural Sciences Managers$170,010$81.74/hr
Chief Executives$169,770$81.62/hr
Data Engineer$169,310$81.40/hr
Computer and Information Systems Managers$165,270$79.46/hr
Marketing Managers$164,270$78.98/hr
Financial Manager$163,090$78.41/hr
Physician Assistant$161,470$77.63/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 Sacramento-Roseville-Folsom, CA (2026) Overview

Financial Analyst median pay in Sacramento-Roseville-Folsom, CA is $103,980 a year ($49.99/hr). See take-home pay after 2026 taxes, BLS wage percentiles, HUD. Official 2026 economic data for Financial Analyst in Sacramento-Roseville-Folsom, CA 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 Sacramento-Roseville-Folsom, CA?

The median annual wage is $103,980 ($49.99 per hour). The middle 80% of earners make between $74,170 and $177,470. Source: BLS OEWS (May 2025).

What is the take-home pay for a Financial Analyst in Sacramento-Roseville-Folsom, CA after taxes?

On the median wage of $103,980, a single filer with no pre-tax deductions takes home about $75,347 a year ($6,279 a month) after $28,633 in federal, FICA, state and local taxes, an effective rate of 27.54%, using 2026 tax rules.