SOC 13-2051

Financial Analyst Salary in San Diego-Chula Vista-Carlsbad, CA

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: 168.61 (+68.6% vs US)
Net Compensation Yield 68.1% Realized
$72,207 / net annual direct deposit
Gross Adjusted $106,040 $50.98/hr
Effective Tax Drag 25.91% Combined Jurisdictions
Marginal Top Bracket 22% Federal Statutory
Total Withheld -$27,471 $1,056.56/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 $50.98 / hour
0 hrs/wk (+$0/yr)
0 hrs (Standard) 10 hrs OT 20 hrs OT 25 hrs Max
6% (-$6,362/yr)
0% Tax Shield: ~$1,400/yr 15% (IRS limit: $24,500)
Itemized Statutory Withholdings Ledger
Federal Income Tax (IRS)
Progressive 10%–37%
-$13,099
Social Security (FICA OASDI)
Statutory 6.20% (Cap $184,500)
-$6,574
Medicare Hospital Insurance
Statutory 1.45%
-$1,538
California Individual Income Tax
State Marginal Bracket
-$4,881
State Disability Insurance (SDI)
Statutory Payroll Assessment
-$1,379
Net Take-Home Annual Realized
$72,207 ($2,777.20 / check)
Category 2 of 6

San Diego-Chula Vista-Carlsbad, CA Financial Analyst Wage Distribution

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

Your Salary: $106,040
MIDDLE 50% (IQR RANGE) 10th $66.8k 25th $81.4k Median: $106,040 50th (Median) $106k 75th $132k 90th $174k You: $106,040
10th (Entry) $66,830 $32.13/hr
25th (Junior) $81,400 $39.13/hr
50th (Median) $106,040 $50.98/hr
75th (Senior) $131,860 $63.39/hr
90th (Lead/Master) $173,670 $83.50/hr
Career Progression & Licensing Milestones for Financial Analyst in San Diego-Chula Vista-Carlsbad, CA
1
Junior Financial AnalystBachelor's degree (most common O*NET requirement); entry into the field
$65,746$31.61/hr · 0-2 Years
2
Financial AnalystDemonstrated results in role; works independently on core responsibilities; CFA or equivalent progress
$81,847$39.35/hr · 2-5 Years
3
Senior Financial AnalystFull professional competence; leads projects or a small team
$105,999$50.96/hr · 5-9 Years
4
Finance ManagerOwns budget, hiring and outcomes for a department or large program
$137,582$66.15/hr · 9-14 Years
5
Director of FP&AExecutive or principal scope; sets strategy across the organization or profession
$186,710$89.76/hr · 14+ Years
Scaled to the San Diego-Chula Vista-Carlsbad, 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 San Diego-Chula Vista-Carlsbad, CA under the HUD 30% housing cost guideline.

Rent-to-Take-Home Ratio (HUD 30% Standard)
39% of Net Income
⚠️ Cost-Burdened (Exceeds 30% Rule)
HUD Fair Market Rent (1-Bedroom) $2,335/month Requires minimum annual gross of $93,400
HUD Fair Market Rent (2-Bedroom) $2,823/month Requires minimum annual gross of $112,920
Hourly Living Wage Benchmark (EPI model)
1 Adult Earner: $37.29/hr
Per adult, 2 working adults + 1 child: $31.87/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 San Diego-Chula Vista-Carlsbad, 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$106,040-$27,471$72,207$2,777.20
+5h Overtime/Wk45 hrs$125,923-$35,100$83,267$3,202.59
+10h Overtime/Wk50 hrs$145,805-$43,034$94,022$3,616.25
+15h Overtime/Wk55 hrs$165,688-$51,037$104,709$4,027.26
+20h Overtime/Wk60 hrs$185,570-$58,974$115,462$4,440.83
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 San Diego-Chula Vista-Carlsbad, 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
$106,040/yr
$50.98/hr · SOC 13-2051
Statutory Tax Drag
25.91% Effective
-$27,471 in Total Taxes
HUD 1BR Shelter Ratio
39% Net Pay
⚠️ Exceeds 30% HUD Rule
Monthly Discretionary
+$3,682/mo
Post-$2,335/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 San Diego-Chula Vista-Carlsbad, CA: Market Snapshot

Financial Analyst roles in San Diego-Chula Vista-Carlsbad, CA report a median annual wage of $106,040, 3.2% above the national median of $102,740. The 10th to 90th percentile band runs from $66,830 to $173,670, and HUD’s $2,335 monthly one-bedroom fair market rent equals 26.4% of that median gross pay. The single-adult living wage benchmark for the area is $37.29 per hour.

Highest-paying metropolitan areas for Financial Analyst

Metropolitan areaMedian annual wageVs this market
Bridgeport-Stamford-Danbury, CT$158,310+49.3%
San Jose-Sunnyvale-Santa Clara, CA$144,910+36.7%
Prescott Valley-Prescott, AZ$135,680+28.0%
San Francisco-Oakland-Fremont, CA$130,520+23.1%
New York-Newark-Jersey City, NY-NJ$128,930+21.6%
Seattle-Tacoma-Bellevue, WA$124,790+17.7%
Barnstable Town, MA$121,530+14.6%
Idaho Falls, ID$119,170+12.4%
Boston-Cambridge-Newton, MA-NH$117,520+10.8%
Portland-Vancouver-Hillsboro, OR-WA$117,280+10.6%

Top-paying occupations benchmarked in San Diego-Chula Vista-Carlsbad, CA

OccupationMedian annual wageMedian hourly
Chief Executives$238,440$114.63/hr
Natural Sciences Managers$207,200$99.62/hr
Computer and Information Systems Managers$206,740$99.39/hr
Architectural and Engineering Managers$202,810$97.50/hr
Marketing Managers$174,840$84.06/hr
Financial Manager$174,210$83.75/hr
Physician Assistant$165,160$79.40/hr
Nurse Practitioner$163,860$78.78/hr
Software Engineer$163,270$78.50/hr
Education Administrators, Kindergarten through Secondary$163,200$78.46/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 San Diego-Chula Vista-Carlsbad, CA Overview

Financial Analyst median pay in San Diego-Chula Vista-Carlsbad, CA is $106,040 a year ($50.98/hr). See take-home pay after 2026 taxes, BLS wage percentiles. Official 2026 economic data for Financial Analyst in San Diego-Chula Vista-Carlsbad, 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 San Diego-Chula Vista-Carlsbad, CA?

The median annual wage is $106,040 ($50.98 per hour). The middle 80% of earners make between $66,830 and $173,670. Source: BLS OEWS (May 2025).

What is the take-home pay for a Financial Analyst in San Diego-Chula Vista-Carlsbad, CA after taxes?

On the median wage of $106,040, a single filer with no pre-tax deductions takes home about $76,578 a year ($6,382 a month) after $29,462 in federal, FICA, state and local taxes, an effective rate of 27.78%, using 2026 tax rules.