SOC 13-2054

Risk Management Specialist Salary in Charleston-North Charleston, SC

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 + SC
COL Index: 136.48 (+36.5% vs US)
Net Compensation Yield 71.0% Realized
$68,235 / net annual direct deposit
Gross Adjusted $96,050 $46.18/hr
Effective Tax Drag 22.96% Combined Jurisdictions
Marginal Top Bracket 22% Federal Statutory
Total Withheld -$22,052 $848.14/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 $46.18 / hour
0 hrs/wk (+$0/yr)
0 hrs (Standard) 10 hrs OT 20 hrs OT 25 hrs Max
6% (-$5,763/yr)
0% Tax Shield: ~$1,268/yr 15% (IRS limit: $24,500)
Itemized Statutory Withholdings Ledger
Federal Income Tax (IRS)
Progressive 10%–37%
-$11,033
Social Security (FICA OASDI)
Statutory 6.20% (Cap $184,500)
-$5,955
Medicare Hospital Insurance
Statutory 1.45%
-$1,393
South Carolina Individual Income Tax
State Marginal Bracket
-$3,671
Net Take-Home Annual Realized
$68,235 ($2,624.43 / check)
Category 2 of 6

Charleston-North Charleston, SC Risk Management Specialist Wage Distribution

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

Your Salary: $96,050
MIDDLE 50% (IQR RANGE) 10th $61.1k 25th $65.6k Median: $96,050 50th (Median) $96.0k 75th $125k 90th $165k You: $96,050
10th (Entry) $61,110 $29.38/hr
25th (Junior) $65,570 $31.52/hr
50th (Median) $96,050 $46.18/hr
75th (Senior) $125,270 $60.23/hr
90th (Lead/Master) $164,650 $79.16/hr
Career Progression & Licensing Milestones for Risk Management Specialist in Charleston-North Charleston, SC
1
Junior Risk AnalystFinancial modeling, risk metric calculations (VaR), portfolio analysis
$58,941$28.34/hr · 0-2 Years
2
Risk Management SpecialistCredit risk, market risk modeling, regulatory reporting (Basel/Dodd-Frank)
$88,412$42.51/hr · 2-5 Years
3
Senior Risk ManagerEnterprise risk frameworks, capital stress testing, counterparty hedging
$119,520$57.46/hr · 5-8 Years
4
Head of Risk GovernanceBoard risk committee reporting, institutional risk appetite governance
$153,903$73.99/hr · 8+ Years
Scaled to the Charleston-North Charleston, SC 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 Charleston-North Charleston, SC 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) $1,731/month Requires minimum annual gross of $69,240
HUD Fair Market Rent (2-Bedroom) $1,884/month Requires minimum annual gross of $75,360
Hourly Living Wage Benchmark (EPI model)
1 Adult Earner: $30.18/hr
Per adult, 2 working adults + 1 child: $24.11/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 Charleston-North Charleston, SC.

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$96,050-$22,052$68,235$2,624.43
+5h Overtime/Wk45 hrs$114,059-$28,103$79,113$3,042.80
+10h Overtime/Wk50 hrs$132,069-$34,134$90,011$3,461.95
+15h Overtime/Wk55 hrs$150,078-$40,457$100,617$3,869.88
+20h Overtime/Wk60 hrs$168,088-$46,779$111,223$4,277.81
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 Charleston-North Charleston, SC: Compensation & Purchasing Power Briefing (2026)

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

Market Baseline
$96,050/yr
$46.18/hr · SOC 13-2054
Statutory Tax Drag
22.96% Effective
-$22,052 in Total Taxes
HUD 1BR Shelter Ratio
30% Net Pay
✓ Passes 30% HUD Rule
Monthly Discretionary
+$3,955/mo
Post-$1,731/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 Charleston-North Charleston, SC: Market Snapshot

Risk Management Specialist roles in Charleston-North Charleston, SC report a median annual wage of $96,050, 18.1% below the national median of $117,330. The 10th to 90th percentile band runs from $61,110 to $164,650, and HUD’s $1,731 monthly one-bedroom fair market rent equals 21.6% of that median gross pay. The single-adult living wage benchmark for the area is $30.18 per hour.

Highest-paying metropolitan areas for Risk Management Specialist

Metropolitan areaMedian annual wageVs this market
San Francisco-Oakland-Fremont, CA$167,440+74.3%
San Jose-Sunnyvale-Santa Clara, CA$166,240+73.1%
New York-Newark-Jersey City, NY-NJ$139,670+45.4%
Seattle-Tacoma-Bellevue, WA$134,330+39.9%
Charlotte-Concord-Gastonia, NC-SC$133,530+39.0%
Boston-Cambridge-Newton, MA-NH$132,580+38.0%
Bridgeport-Stamford-Danbury, CT$132,480+37.9%
Winston-Salem, NC$131,630+37.0%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD$130,880+36.3%
Washington-Arlington-Alexandria, DC-VA-MD-WV$126,510+31.7%

Top-paying occupations benchmarked in Charleston-North Charleston, SC

OccupationMedian annual wageMedian hourly
Chief Executives$197,220$94.82/hr
Architectural and Engineering Managers$174,040$83.67/hr
Advertising and Promotions Managers$170,000$81.73/hr
Computer and Information Systems Managers$167,000$80.29/hr
Compensation and Benefits Managers$150,810$72.50/hr
Financial Manager$147,170$70.75/hr
Sales Managers$139,830$67.23/hr
Marketing Managers$138,790$66.73/hr
Purchasing Managers$138,340$66.51/hr
Natural Sciences Managers$132,660$63.78/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 Charleston-North Charleston, SC Overview

Risk Management Specialist median pay in Charleston-North Charleston, SC is $96,050 a year ($46.18/hr). See take-home pay after 2026 taxes, BLS wage. Official 2026 economic data for Risk Management Specialist in Charleston-North Charleston, SC 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 Charleston-North Charleston, SC?

The median annual wage is $96,050 ($46.18 per hour). The middle 80% of earners make between $61,110 and $164,650. Source: BLS OEWS (May 2025).

What is the take-home pay for a Risk Management Specialist in Charleston-North Charleston, SC after taxes?

On the median wage of $96,050, a single filer with no pre-tax deductions takes home about $72,363 a year ($6,030 a month) after $23,687 in federal, FICA, state and local taxes, an effective rate of 24.66%, using 2026 tax rules.