SOC 13-2051

Financial Analyst Salary in Waterloo-Cedar Falls, IA (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 + IA
COL Index: 90.14 (-9.9% vs US)
Net Compensation Yield 73.9% Realized
$59,222 / net annual direct deposit
Gross Adjusted $80,100 $38.51/hr
Effective Tax Drag 20.06% Combined Jurisdictions
Marginal Top Bracket 22% Federal Statutory
Total Withheld -$16,072 $618.14/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 $38.51 / hour
0 hrs/wk (+$0/yr)
0 hrs (Standard) 10 hrs OT 20 hrs OT 25 hrs Max
6% (-$4,806/yr)
0% Tax Shield: ~$1,057/yr 15% (IRS limit: $24,500)
Itemized Statutory Withholdings Ledger
Federal Income Tax (IRS)
Progressive 10%–37%
-$7,735
Social Security (FICA OASDI)
Statutory 6.20% (Cap $184,500)
-$4,966
Medicare Hospital Insurance
Statutory 1.45%
-$1,161
Iowa Individual Income Tax
State Marginal Bracket
-$2,209
Net Take-Home Annual Realized
$59,222 ($2,277.78 / check)
Category 2 of 6

Waterloo-Cedar Falls, IA Financial Analyst Wage Distribution

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

Your Salary: $80,100
MIDDLE 50% (IQR RANGE) 10th $58.7k 25th $61.2k Median: $80,100 50th (Median) $80.1k 75th $103k 90th $128k You: $80,100
10th (Entry) $58,660 $28.20/hr
25th (Junior) $61,200 $29.42/hr
50th (Median) $80,100 $38.51/hr
75th (Senior) $102,790 $49.42/hr
90th (Lead/Master) $128,180 $61.63/hr
Career Progression & Licensing Milestones for Financial Analyst in Waterloo-Cedar Falls, IA
1
Junior Financial AnalystBachelor's degree (most common O*NET requirement); entry into the field
$49,663$23.88/hr · 0-2 Years
2
Financial AnalystDemonstrated results in role; works independently on core responsibilities; CFA or equivalent progress
$61,825$29.72/hr · 2-5 Years
3
Senior Financial AnalystFull professional competence; leads projects or a small team
$80,069$38.49/hr · 5-9 Years
4
Finance ManagerOwns budget, hiring and outcomes for a department or large program
$103,926$49.96/hr · 9-14 Years
5
Director of FP&AExecutive or principal scope; sets strategy across the organization or profession
$141,036$67.81/hr · 14+ Years
Scaled to the Waterloo-Cedar Falls, IA 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 Waterloo-Cedar Falls, IA under the HUD 30% housing cost guideline.

Rent-to-Take-Home Ratio (HUD 30% Standard)
17% of Net Income
✓ Passes 30% Housing Affordability Standard
HUD Fair Market Rent (1-Bedroom) $838/month Requires minimum annual gross of $33,520
HUD Fair Market Rent (2-Bedroom) $1,096/month Requires minimum annual gross of $43,840
Hourly Living Wage Benchmark (EPI model)
1 Adult Earner: $19.94/hr
Per adult, 2 working adults + 1 child: $18.73/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 Waterloo-Cedar Falls, IA.

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$80,100-$16,072$59,222$2,277.78
+5h Overtime/Wk45 hrs$95,119-$20,863$68,549$2,636.49
+10h Overtime/Wk50 hrs$110,138-$25,654$77,875$2,995.19
+15h Overtime/Wk55 hrs$125,156-$30,446$87,201$3,353.90
+20h Overtime/Wk60 hrs$140,175-$35,436$96,328$3,704.94
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 Waterloo-Cedar Falls, IA: Compensation & Purchasing Power Briefing (2026)

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

Market Baseline
$80,100/yr
$38.51/hr · SOC 13-2051
Statutory Tax Drag
20.06% Effective
-$16,072 in Total Taxes
HUD 1BR Shelter Ratio
17% Net Pay
✓ Passes 30% HUD Rule
Monthly Discretionary
+$4,097/mo
Post-$838/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 Waterloo-Cedar Falls, IA: Market Snapshot

Financial Analyst roles in Waterloo-Cedar Falls, IA report a median annual wage of $80,100, 22.0% below the national median of $102,740. The 10th to 90th percentile band runs from $58,660 to $128,180, and HUD’s $838 monthly one-bedroom fair market rent equals 12.6% of that median gross pay. The single-adult living wage benchmark for the area is $19.94 per hour.

Highest-paying metropolitan areas for Financial Analyst

Metropolitan areaMedian annual wageVs this market
Bridgeport-Stamford-Danbury, CT$158,310+97.6%
San Jose-Sunnyvale-Santa Clara, CA$144,910+80.9%
Prescott Valley-Prescott, AZ$135,680+69.4%
San Francisco-Oakland-Fremont, CA$130,520+62.9%
New York-Newark-Jersey City, NY-NJ$128,930+61.0%
Seattle-Tacoma-Bellevue, WA$124,790+55.8%
Barnstable Town, MA$121,530+51.7%
Idaho Falls, ID$119,170+48.8%
Boston-Cambridge-Newton, MA-NH$117,520+46.7%
Portland-Vancouver-Hillsboro, OR-WA$117,280+46.4%

Top-paying occupations benchmarked in Waterloo-Cedar Falls, IA

OccupationMedian annual wageMedian hourly
Chief Executives$199,010$95.68/hr
Architectural and Engineering Managers$140,340$67.47/hr
Physician Assistant$132,880$63.88/hr
Computer and Information Systems Managers$132,210$63.56/hr
Nurse Practitioner$126,330$60.74/hr
Human Resources Managers$125,970$60.56/hr
Financial Manager$125,690$60.43/hr
Sales Managers$125,050$60.12/hr
Marketing Managers$114,940$55.26/hr
Software Engineer$113,970$54.79/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 Waterloo-Cedar Falls, IA (2026) Overview

Financial Analyst median pay in Waterloo-Cedar Falls, IA is $80,100 a year ($38.51/hr). See take-home pay after 2026 taxes, BLS wage percentiles, HUD rents. Official 2026 economic data for Financial Analyst in Waterloo-Cedar Falls, IA 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 Waterloo-Cedar Falls, IA?

The median annual wage is $80,100 ($38.51 per hour). The middle 80% of earners make between $58,660 and $128,180. Source: BLS OEWS (May 2025).

What is the take-home pay for a Financial Analyst in Waterloo-Cedar Falls, IA after taxes?

On the median wage of $80,100, a single filer with no pre-tax deductions takes home about $62,788 a year ($5,232 a month) after $17,312 in federal, FICA, state and local taxes, an effective rate of 21.61%, using 2026 tax rules.