SOC 13-2054

Risk Management Specialist Salary in Dover, DE (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 + DE
COL Index: 117.24 (+17.2% vs US)
Net Compensation Yield 67.7% Realized
$83,273 / net annual direct deposit
Gross Adjusted $122,930 $59.10/hr
Effective Tax Drag 26.26% Combined Jurisdictions
Marginal Top Bracket 22% Federal Statutory
Total Withheld -$32,282 $1,241.60/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 $59.10 / hour
0 hrs/wk (+$0/yr)
0 hrs (Standard) 10 hrs OT 20 hrs OT 25 hrs Max
6% (-$7,376/yr)
0% Tax Shield: ~$1,623/yr 15% (IRS limit: $24,500)
Itemized Statutory Withholdings Ledger
Federal Income Tax (IRS)
Progressive 10%–37%
-$16,592
Social Security (FICA OASDI)
Statutory 6.20% (Cap $184,500)
-$7,622
Medicare Hospital Insurance
Statutory 1.45%
-$1,782
Delaware Individual Income Tax
State Marginal Bracket
-$6,286
Net Take-Home Annual Realized
$83,273 ($3,202.79 / check)
Category 2 of 6

Dover, DE Risk Management Specialist Wage Distribution

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

Your Salary: $122,930
MIDDLE 50% (IQR RANGE) 10th $76.6k 25th $82.5k Median: $122,930 50th (Median) $123k 75th $129k 90th $158k You: $122,930
10th (Entry) $76,560 $36.81/hr
25th (Junior) $82,460 $39.64/hr
50th (Median) $122,930 $59.10/hr
75th (Senior) $129,160 $62.10/hr
90th (Lead/Master) $158,380 $76.14/hr
Career Progression & Licensing Milestones for Risk Management Specialist in Dover, DE
1
Junior Risk AnalystFinancial modeling, risk metric calculations (VaR), portfolio analysis
$75,436$36.27/hr · 0-2 Years
2
Risk Management SpecialistCredit risk, market risk modeling, regulatory reporting (Basel/Dodd-Frank)
$113,155$54.40/hr · 2-5 Years
3
Senior Risk ManagerEnterprise risk frameworks, capital stress testing, counterparty hedging
$152,968$73.54/hr · 5-8 Years
4
Head of Risk GovernanceBoard risk committee reporting, institutional risk appetite governance
$196,973$94.70/hr · 8+ Years
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 Dover, DE under the HUD 30% housing cost guideline.

Rent-to-Take-Home Ratio (HUD 30% Standard)
19% of Net Income
✓ Passes 30% Housing Affordability Standard
HUD Fair Market Rent (1-Bedroom) $1,294/month Requires minimum annual gross of $51,760
HUD Fair Market Rent (2-Bedroom) $1,629/month Requires minimum annual gross of $65,160
Hourly Living Wage Benchmark (EPI model)
1 Adult Earner: $25.93/hr
Per adult, 2 working adults + 1 child: $22.13/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 Dover, DE.

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$122,930-$32,282$83,273$3,202.79
+5h Overtime/Wk45 hrs$145,979-$40,550$96,671$3,718.10
+10h Overtime/Wk50 hrs$169,029-$48,943$109,944$4,228.61
+15h Overtime/Wk55 hrs$192,078-$56,866$123,687$4,757.19
+20h Overtime/Wk60 hrs$215,128-$63,967$138,253$5,317.43
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 Dover, DE: Compensation & Purchasing Power Briefing (2026)

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

Market Baseline
$122,930/yr
$59.10/hr · SOC 13-2054
Statutory Tax Drag
26.26% Effective
-$32,282 in Total Taxes
HUD 1BR Shelter Ratio
19% Net Pay
✓ Passes 30% HUD Rule
Monthly Discretionary
+$5,645/mo
Post-$1,294/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 Dover, DE: Market Snapshot

Risk Management Specialist roles in Dover, DE report a median annual wage of $122,930, 4.8% above the national median of $117,330. The 10th to 90th percentile band runs from $76,560 to $158,380, and HUD’s $1,294 monthly one-bedroom fair market rent equals 12.6% of that median gross pay. The single-adult living wage benchmark for the area is $25.93 per hour.

Highest-paying metropolitan areas for Risk Management Specialist

Metropolitan areaMedian annual wageVs this market
San Francisco-Oakland-Fremont, CA$167,440+36.2%
San Jose-Sunnyvale-Santa Clara, CA$166,240+35.2%
New York-Newark-Jersey City, NY-NJ$139,670+13.6%
Seattle-Tacoma-Bellevue, WA$134,330+9.3%
Charlotte-Concord-Gastonia, NC-SC$133,530+8.6%
Boston-Cambridge-Newton, MA-NH$132,580+7.8%
Bridgeport-Stamford-Danbury, CT$132,480+7.8%
Winston-Salem, NC$131,630+7.1%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD$130,880+6.5%
Washington-Arlington-Alexandria, DC-VA-MD-WV$126,510+2.9%

Top-paying occupations benchmarked in Dover, DE

OccupationMedian annual wageMedian hourly
Marketing Managers$182,640$87.81/hr
Sales Managers$178,130$85.64/hr
Computer and Information Systems Managers$169,420$81.45/hr
Financial Manager$159,540$76.70/hr
Architectural and Engineering Managers$159,330$76.60/hr
Physician Assistant$129,190$62.11/hr
Industrial Production Managers$127,720$61.40/hr
Education Administrators, Kindergarten through Secondary$127,650$61.37/hr
Nurse Practitioner$122,930$59.10/hr
General and Operations Managers$119,990$57.69/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 Dover, DE (2026) Overview

Risk Management Specialist median pay in Dover, DE is $122,930 a year ($59.10/hr). See take-home pay after 2026 taxes, BLS wage percentiles, HUD rents & living.

Quick answers
What is the median salary for a Risk Management Specialist in Dover, DE?

The median annual wage is $122,930 ($59.10 per hour). The middle 80% of earners make between $76,560 and $158,380. Source: BLS OEWS (May 2025).

What is the take-home pay for a Risk Management Specialist in Dover, DE after taxes?

On the median wage of $122,930, a single filer with no pre-tax deductions takes home about $88,516 a year ($7,376 a month) after $34,414 in federal, FICA, state and local taxes, an effective rate of 27.99%, using 2026 tax rules.