SOC 13-2051

Financial Analyst Salary in Stockton-Lodi, 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: 120.99 (+21.0% vs US)
Net Compensation Yield 68.6% Realized
$69,982 / net annual direct deposit
Gross Adjusted $102,040 $49.06/hr
Effective Tax Drag 25.42% Combined Jurisdictions
Marginal Top Bracket 22% Federal Statutory
Total Withheld -$25,936 $997.53/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 $49.06 / hour
0 hrs/wk (+$0/yr)
0 hrs (Standard) 10 hrs OT 20 hrs OT 25 hrs Max
6% (-$6,122/yr)
0% Tax Shield: ~$1,347/yr 15% (IRS limit: $24,500)
Itemized Statutory Withholdings Ledger
Federal Income Tax (IRS)
Progressive 10%–37%
-$12,272
Social Security (FICA OASDI)
Statutory 6.20% (Cap $184,500)
-$6,326
Medicare Hospital Insurance
Statutory 1.45%
-$1,480
California Individual Income Tax
State Marginal Bracket
-$4,531
State Disability Insurance (SDI)
Statutory Payroll Assessment
-$1,327
Net Take-Home Annual Realized
$69,982 ($2,691.61 / check)
Category 2 of 6

Stockton-Lodi, CA Financial Analyst Wage Distribution

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

Your Salary: $102,040
MIDDLE 50% (IQR RANGE) 10th $73.0k 25th $82.8k Median: $102,040 50th (Median) $102k 75th $124k 90th $163k You: $102,040
10th (Entry) $72,990 $35.09/hr
25th (Junior) $82,850 $39.83/hr
50th (Median) $102,040 $49.06/hr
75th (Senior) $124,480 $59.85/hr
90th (Lead/Master) $163,430 $78.57/hr
Career Progression & Licensing Milestones for Financial Analyst in Stockton-Lodi, CA
1
Junior Financial AnalystBachelor's degree (most common O*NET requirement); entry into the field
$63,266$30.42/hr · 0-2 Years
2
Financial AnalystDemonstrated results in role; works independently on core responsibilities; CFA or equivalent progress
$78,760$37.87/hr · 2-5 Years
3
Senior Financial AnalystFull professional competence; leads projects or a small team
$102,000$49.04/hr · 5-9 Years
4
Finance ManagerOwns budget, hiring and outcomes for a department or large program
$132,392$63.65/hr · 9-14 Years
5
Director of FP&AExecutive or principal scope; sets strategy across the organization or profession
$179,667$86.38/hr · 14+ Years
Scaled to the Stockton-Lodi, 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 Stockton-Lodi, CA under the HUD 30% housing cost guideline.

Rent-to-Take-Home Ratio (HUD 30% Standard)
28% of Net Income
✓ Passes 30% Housing Affordability Standard
HUD Fair Market Rent (1-Bedroom) $1,628/month Requires minimum annual gross of $65,120
HUD Fair Market Rent (2-Bedroom) $2,015/month Requires minimum annual gross of $80,600
Hourly Living Wage Benchmark (EPI model)
1 Adult Earner: $26.76/hr
Per adult, 2 working adults + 1 child: $24.21/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 Stockton-Lodi, 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$102,040-$25,936$69,982$2,691.61
+5h Overtime/Wk45 hrs$121,173-$33,277$80,625$3,100.96
+10h Overtime/Wk50 hrs$140,305-$40,820$91,066$3,502.55
+15h Overtime/Wk55 hrs$159,438-$48,522$101,350$3,898.06
+20h Overtime/Wk60 hrs$178,570-$56,223$111,633$4,293.57
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 Stockton-Lodi, 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
$102,040/yr
$49.06/hr · SOC 13-2051
Statutory Tax Drag
25.42% Effective
-$25,936 in Total Taxes
HUD 1BR Shelter Ratio
28% Net Pay
✓ Passes 30% HUD Rule
Monthly Discretionary
+$4,204/mo
Post-$1,628/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 Stockton-Lodi, CA: Market Snapshot

Financial Analyst roles in Stockton-Lodi, CA report a median annual wage of $102,040, 0.7% below the national median of $102,740. The 10th to 90th percentile band runs from $72,990 to $163,430, and HUD’s $1,628 monthly one-bedroom fair market rent equals 19.1% of that median gross pay. The single-adult living wage benchmark for the area is $26.76 per hour.

Highest-paying metropolitan areas for Financial Analyst

Metropolitan areaMedian annual wageVs this market
Bridgeport-Stamford-Danbury, CT$158,310+55.1%
San Jose-Sunnyvale-Santa Clara, CA$144,910+42.0%
Prescott Valley-Prescott, AZ$135,680+33.0%
San Francisco-Oakland-Fremont, CA$130,520+27.9%
New York-Newark-Jersey City, NY-NJ$128,930+26.4%
Seattle-Tacoma-Bellevue, WA$124,790+22.3%
Barnstable Town, MA$121,530+19.1%
Idaho Falls, ID$119,170+16.8%
Boston-Cambridge-Newton, MA-NH$117,520+15.2%
Portland-Vancouver-Hillsboro, OR-WA$117,280+14.9%

Top-paying occupations benchmarked in Stockton-Lodi, CA

OccupationMedian annual wageMedian hourly
Chief Executives$214,340$103.05/hr
Natural Sciences Managers$174,860$84.07/hr
Architectural and Engineering Managers$169,090$81.29/hr
Computer and Information Systems Managers$165,260$79.45/hr
Physician Assistant$162,110$77.94/hr
Nurse Practitioner$159,150$76.51/hr
Education Administrators, Kindergarten through Secondary$155,770$74.89/hr
Marketing Managers$153,830$73.96/hr
Financial Manager$152,090$73.12/hr
Purchasing Managers$142,100$68.32/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 Stockton-Lodi, CA (2026) Overview

Financial Analyst median pay in Stockton-Lodi, CA is $102,040 a year ($49.06/hr). See take-home pay after 2026 taxes, BLS wage percentiles, HUD rents & living. Official 2026 economic data for Financial Analyst in Stockton-Lodi, 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 Stockton-Lodi, CA?

The median annual wage is $102,040 ($49.06 per hour). The middle 80% of earners make between $72,990 and $163,430. Source: BLS OEWS (May 2025).

What is the take-home pay for a Financial Analyst in Stockton-Lodi, CA after taxes?

On the median wage of $102,040, a single filer with no pre-tax deductions takes home about $74,188 a year ($6,182 a month) after $27,852 in federal, FICA, state and local taxes, an effective rate of 27.3%, using 2026 tax rules.