SOC 13-2054

Risk Management Specialist Salary in Des Moines-West Des Moines, IA

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: 103.9 (+3.9% vs US)
Net Compensation Yield 70.9% Realized
$76,616 / net annual direct deposit
Gross Adjusted $108,110 $51.98/hr
Effective Tax Drag 23.13% Combined Jurisdictions
Marginal Top Bracket 22% Federal Statutory
Total Withheld -$25,007 $961.83/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 $51.98 / hour
0 hrs/wk (+$0/yr)
0 hrs (Standard) 10 hrs OT 20 hrs OT 25 hrs Max
6% (-$6,487/yr)
0% Tax Shield: ~$1,427/yr 15% (IRS limit: $24,500)
Itemized Statutory Withholdings Ledger
Federal Income Tax (IRS)
Progressive 10%–37%
-$13,527
Social Security (FICA OASDI)
Statutory 6.20% (Cap $184,500)
-$6,703
Medicare Hospital Insurance
Statutory 1.45%
-$1,568
Iowa Individual Income Tax
State Marginal Bracket
-$3,210
Net Take-Home Annual Realized
$76,616 ($2,946.77 / check)
Category 2 of 6

Des Moines-West Des Moines, IA Risk Management Specialist Wage Distribution

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

Your Salary: $108,110
MIDDLE 50% (IQR RANGE) 10th $82.0k 25th $98.5k Median: $108,110 50th (Median) $108k 75th $132k 90th $168k You: $108,110
10th (Entry) $81,950 $39.40/hr
25th (Junior) $98,470 $47.34/hr
50th (Median) $108,110 $51.98/hr
75th (Senior) $132,180 $63.55/hr
90th (Lead/Master) $168,440 $80.98/hr
Career Progression & Licensing Milestones for Risk Management Specialist in Des Moines-West Des Moines, IA
1
Junior Risk AnalystFinancial modeling, risk metric calculations (VaR), portfolio analysis
$66,342$31.90/hr · 0-2 Years
2
Risk Management SpecialistCredit risk, market risk modeling, regulatory reporting (Basel/Dodd-Frank)
$99,513$47.84/hr · 2-5 Years
3
Senior Risk ManagerEnterprise risk frameworks, capital stress testing, counterparty hedging
$134,527$64.68/hr · 5-8 Years
4
Head of Risk GovernanceBoard risk committee reporting, institutional risk appetite governance
$173,227$83.28/hr · 8+ Years
Scaled to the Des Moines-West Des Moines, IA 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 Des Moines-West Des Moines, IA under the HUD 30% housing cost guideline.

Rent-to-Take-Home Ratio (HUD 30% Standard)
18% of Net Income
✓ Passes 30% Housing Affordability Standard
HUD Fair Market Rent (1-Bedroom) $1,145/month Requires minimum annual gross of $45,800
HUD Fair Market Rent (2-Bedroom) $1,360/month Requires minimum annual gross of $54,400
Hourly Living Wage Benchmark (EPI model)
1 Adult Earner: $22.98/hr
Per adult, 2 working adults + 1 child: $20.03/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 Des Moines-West Des Moines, 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$108,110-$25,007$76,616$2,946.77
+5h Overtime/Wk45 hrs$128,381-$31,474$89,204$3,430.91
+10h Overtime/Wk50 hrs$148,651-$38,300$101,433$3,901.25
+15h Overtime/Wk55 hrs$168,922-$45,147$113,639$4,370.74
+20h Overtime/Wk60 hrs$189,193-$51,704$126,137$4,851.41
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 Des Moines-West Des Moines, 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
$108,110/yr
$51.98/hr · SOC 13-2054
Statutory Tax Drag
23.13% Effective
-$25,007 in Total Taxes
HUD 1BR Shelter Ratio
18% Net Pay
✓ Passes 30% HUD Rule
Monthly Discretionary
+$5,240/mo
Post-$1,145/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 Des Moines-West Des Moines, IA: Market Snapshot

Risk Management Specialist roles in Des Moines-West Des Moines, IA report a median annual wage of $108,110, 7.9% below the national median of $117,330. The 10th to 90th percentile band runs from $81,950 to $168,440, and HUD’s $1,145 monthly one-bedroom fair market rent equals 12.7% of that median gross pay. The single-adult living wage benchmark for the area is $22.98 per hour.

Highest-paying metropolitan areas for Risk Management Specialist

Metropolitan areaMedian annual wageVs this market
San Francisco-Oakland-Fremont, CA$167,440+54.9%
San Jose-Sunnyvale-Santa Clara, CA$166,240+53.8%
New York-Newark-Jersey City, NY-NJ$139,670+29.2%
Seattle-Tacoma-Bellevue, WA$134,330+24.3%
Charlotte-Concord-Gastonia, NC-SC$133,530+23.5%
Boston-Cambridge-Newton, MA-NH$132,580+22.6%
Bridgeport-Stamford-Danbury, CT$132,480+22.5%
Winston-Salem, NC$131,630+21.8%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD$130,880+21.1%
Washington-Arlington-Alexandria, DC-VA-MD-WV$126,510+17.0%

Top-paying occupations benchmarked in Des Moines-West Des Moines, IA

OccupationMedian annual wageMedian hourly
Chief Executives$290,870$139.84/hr
Computer and Information Systems Managers$164,840$79.25/hr
Financial Manager$154,140$74.11/hr
Compensation and Benefits Managers$150,850$72.52/hr
Architectural and Engineering Managers$148,330$71.31/hr
Human Resources Managers$138,140$66.41/hr
Sales Managers$136,570$65.66/hr
Marketing Managers$135,140$64.97/hr
Physician Assistant$133,830$64.34/hr
Nurse Practitioner$132,230$63.57/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 Des Moines-West Des Moines, IA Overview

Risk Management Specialist median pay in Des Moines-West Des Moines, IA is $108,110 a year ($51.98/hr). See take-home pay after 2026 taxes, BLS wage. Official 2026 economic data for Risk Management Specialist in Des Moines-West Des Moines, 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 Risk Management Specialist in Des Moines-West Des Moines, IA?

The median annual wage is $108,110 ($51.98 per hour). The middle 80% of earners make between $81,950 and $168,440. Source: BLS OEWS (May 2025).

What is the take-home pay for a Risk Management Specialist in Des Moines-West Des Moines, IA after taxes?

On the median wage of $108,110, a single filer with no pre-tax deductions takes home about $81,429 a year ($6,786 a month) after $26,681 in federal, FICA, state and local taxes, an effective rate of 24.68%, using 2026 tax rules.