SOC 13-2054

Risk Management Specialist Salary in Baltimore-Columbia-Towson, MD

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 + MD + Municipal
COL Index: 123.33 (+23.3% vs US)
Net Compensation Yield 65.9% Realized
$78,931 / net annual direct deposit
Gross Adjusted $119,720 $57.56/hr
Effective Tax Drag 28.07% Combined Jurisdictions
Marginal Top Bracket 22% Federal Statutory
Total Withheld -$33,606 $1,292.55/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 $57.56 / hour
0 hrs/wk (+$0/yr)
0 hrs (Standard) 10 hrs OT 20 hrs OT 25 hrs Max
6% (-$7,183/yr)
0% Tax Shield: ~$1,580/yr 15% (IRS limit: $24,500)
Itemized Statutory Withholdings Ledger
Federal Income Tax (IRS)
Progressive 10%–37%
-$15,928
Social Security (FICA OASDI)
Statutory 6.20% (Cap $184,500)
-$7,423
Medicare Hospital Insurance
Statutory 1.45%
-$1,736
Maryland Individual Income Tax
State Marginal Bracket
-$5,077
Baltimore City local income tax
3.20%
-$3,443
Net Take-Home Annual Realized
$78,931 ($3,035.79 / check)
Category 2 of 6

Baltimore-Columbia-Towson, MD Risk Management Specialist Wage Distribution

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

Your Salary: $119,720
MIDDLE 50% (IQR RANGE) 10th $74.1k 25th $84.2k Median: $119,720 50th (Median) $120k 75th $150k 90th $177k You: $119,720
10th (Entry) $74,070 $35.61/hr
25th (Junior) $84,160 $40.46/hr
50th (Median) $119,720 $57.56/hr
75th (Senior) $149,540 $71.89/hr
90th (Lead/Master) $176,960 $85.08/hr
Career Progression & Licensing Milestones for Risk Management Specialist in Baltimore-Columbia-Towson, MD
1
Junior Risk AnalystFinancial modeling, risk metric calculations (VaR), portfolio analysis
$73,467$35.32/hr · 0-2 Years
2
Risk Management SpecialistCredit risk, market risk modeling, regulatory reporting (Basel/Dodd-Frank)
$110,200$52.98/hr · 2-5 Years
3
Senior Risk ManagerEnterprise risk frameworks, capital stress testing, counterparty hedging
$148,974$71.62/hr · 5-8 Years
4
Head of Risk GovernanceBoard risk committee reporting, institutional risk appetite governance
$191,830$92.23/hr · 8+ Years
Scaled to the Baltimore-Columbia-Towson, MD medianView National Risk Management Specialist Salary Data
Adjacent Career Pivots & National Pay Differences
Financial Managers+$49,240/yr
National median: $166,570
Skill overlap: 97%View Salary
Personal Financial Advisors-$12,260/yr
National median: $105,070
Skill overlap: 97%
Financial Specialists, All Other-$36,230/yr
National median: $81,100
Skill overlap: 92%
Management Analysts-$15,470/yr
National median: $101,860
Skill overlap: 91%View Salary
Category 3 of 6

HUD Fair Market Rent & EPI Living Wage Affordability Index

Evaluating housing affordability vs. net take-home pay in Baltimore-Columbia-Towson, MD under the HUD 30% housing cost guideline.

Rent-to-Take-Home Ratio (HUD 30% Standard)
25% of Net Income
✓ Passes 30% Housing Affordability Standard
HUD Fair Market Rent (1-Bedroom) $1,625/month Requires minimum annual gross of $65,000
HUD Fair Market Rent (2-Bedroom) $2,006/month Requires minimum annual gross of $80,240
Hourly Living Wage Benchmark (EPI model)
1 Adult Earner: $27.27/hr
Per adult, 2 working adults + 1 child: $25.25/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 Baltimore-Columbia-Towson, 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$119,720-$33,606$78,931$3,035.79
+5h Overtime/Wk45 hrs$142,168-$42,009$91,628$3,524.15
+10h Overtime/Wk50 hrs$164,615-$50,645$104,093$4,003.58
+15h Overtime/Wk55 hrs$187,063-$59,103$116,736$4,489.83
+20h Overtime/Wk60 hrs$209,510-$66,414$130,525$5,020.20
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

Risk Management Specialist in Baltimore-Columbia-Towson, MD: Compensation & Purchasing Power Briefing (2026)

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

Market Baseline
$119,720/yr
$57.56/hr · SOC 13-2054
Statutory Tax Drag
28.07% Effective
-$33,606 in Total Taxes
HUD 1BR Shelter Ratio
25% Net Pay
✓ Passes 30% HUD Rule
Monthly Discretionary
+$4,953/mo
Post-$1,625/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 13-2054
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

Risk Management Specialist in Baltimore-Columbia-Towson, MD: Market Snapshot

Risk Management Specialist roles in Baltimore-Columbia-Towson, MD report a median annual wage of $119,720, 2.0% above the national median of $117,330. The 10th to 90th percentile band runs from $74,070 to $176,960, and HUD’s $1,625 monthly one-bedroom fair market rent equals 16.3% of that median gross pay. The single-adult living wage benchmark for the area is $27.27 per hour.

Highest-paying metropolitan areas for Risk Management Specialist

Metropolitan areaMedian annual wageVs this market
San Francisco-Oakland-Fremont, CA$167,440+39.9%
San Jose-Sunnyvale-Santa Clara, CA$166,240+38.9%
New York-Newark-Jersey City, NY-NJ$139,670+16.7%
Seattle-Tacoma-Bellevue, WA$134,330+12.2%
Charlotte-Concord-Gastonia, NC-SC$133,530+11.5%
Boston-Cambridge-Newton, MA-NH$132,580+10.7%
Bridgeport-Stamford-Danbury, CT$132,480+10.7%
Winston-Salem, NC$131,630+9.9%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD$130,880+9.3%
Washington-Arlington-Alexandria, DC-VA-MD-WV$126,510+5.7%

Top-paying occupations benchmarked in Baltimore-Columbia-Towson, MD

OccupationMedian annual wageMedian hourly
Chief Executives$268,030$128.86/hr
Computer and Information Systems Managers$168,520$81.02/hr
Architectural and Engineering Managers$167,350$80.46/hr
Financial Manager$157,990$75.96/hr
Natural Sciences Managers$156,730$75.35/hr
Purchasing Managers$151,990$73.07/hr
Human Resources Managers$146,370$70.37/hr
Marketing Managers$140,180$67.39/hr
Software Engineer$138,900$66.78/hr
Physician Assistant$138,790$66.73/hr

Wage data: U.S. Bureau of Labor Statistics OEWS May 2025, 121 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.

Risk Management Specialist Salary in Baltimore-Columbia-Towson, MD Overview

Risk Management Specialist median pay in Baltimore-Columbia-Towson, MD is $119,720 a year ($57.56/hr). See take-home pay after 2026 taxes, BLS wage. Official 2026 economic data for Risk Management Specialist in Baltimore-Columbia-Towson, 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 Risk Management Specialist in Baltimore-Columbia-Towson, MD?

The median annual wage is $119,720 ($57.56 per hour). The middle 80% of earners make between $74,070 and $176,960. Source: BLS OEWS (May 2025).

What is the take-home pay for a Risk Management Specialist in Baltimore-Columbia-Towson, MD after taxes?

On the median wage of $119,720, a single filer with no pre-tax deductions takes home about $83,944 a year ($6,995 a month) after $35,776 in federal, FICA, state and local taxes, an effective rate of 29.88%, using 2026 tax rules.