SOC 13-2054

Risk Management Specialist Salary in Fort Collins-Loveland, CO

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 + CO
COL Index: 129.41 (+29.4% vs US)
Net Compensation Yield 69.5% Realized
$83,053 / net annual direct deposit
Gross Adjusted $119,470 $57.44/hr
Effective Tax Drag 24.48% Combined Jurisdictions
Marginal Top Bracket 22% Federal Statutory
Total Withheld -$29,249 $1,124.95/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 $57.44 / hour
0 hrs/wk (+$0/yr)
0 hrs (Standard) 10 hrs OT 20 hrs OT 25 hrs Max
6% (-$7,168/yr)
0% Tax Shield: ~$1,577/yr 15% (IRS limit: $24,500)
Itemized Statutory Withholdings Ledger
Federal Income Tax (IRS)
Progressive 10%–37%
-$15,876
Social Security (FICA OASDI)
Statutory 6.20% (Cap $184,500)
-$7,407
Medicare Hospital Insurance
Statutory 1.45%
-$1,732
Colorado Individual Income Tax
State Marginal Bracket
-$4,233
Net Take-Home Annual Realized
$83,053 ($3,194.35 / check)
Category 2 of 6

Fort Collins-Loveland, CO Risk Management Specialist Wage Distribution

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

Your Salary: $119,470
MIDDLE 50% (IQR RANGE) 10th $68.3k 25th $85.2k Median: $119,470 50th (Median) $119k 75th $165k 90th $175k You: $119,470
10th (Entry) $68,320 $32.85/hr
25th (Junior) $85,180 $40.95/hr
50th (Median) $119,470 $57.44/hr
75th (Senior) $164,680 $79.17/hr
90th (Lead/Master) $175,410 $84.33/hr
Career Progression & Licensing Milestones for Risk Management Specialist in Fort Collins-Loveland, CO
1
Junior Risk AnalystFinancial modeling, risk metric calculations (VaR), portfolio analysis
$73,313$35.25/hr · 0-2 Years
2
Risk Management SpecialistCredit risk, market risk modeling, regulatory reporting (Basel/Dodd-Frank)
$109,970$52.87/hr · 2-5 Years
3
Senior Risk ManagerEnterprise risk frameworks, capital stress testing, counterparty hedging
$148,663$71.47/hr · 5-8 Years
4
Head of Risk GovernanceBoard risk committee reporting, institutional risk appetite governance
$191,429$92.03/hr · 8+ Years
Scaled to the Fort Collins-Loveland, CO 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 Fort Collins-Loveland, CO under the HUD 30% housing cost guideline.

Rent-to-Take-Home Ratio (HUD 30% Standard)
23% of Net Income
✓ Passes 30% Housing Affordability Standard
HUD Fair Market Rent (1-Bedroom) $1,589/month Requires minimum annual gross of $63,560
HUD Fair Market Rent (2-Bedroom) $1,759/month Requires minimum annual gross of $70,360
Hourly Living Wage Benchmark (EPI model)
1 Adult Earner: $28.62/hr
Per adult, 2 working adults + 1 child: $26.01/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 Fort Collins-Loveland, CO.

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$119,470-$29,249$83,053$3,194.35
+5h Overtime/Wk45 hrs$141,871-$36,752$96,606$3,715.61
+10h Overtime/Wk50 hrs$164,271-$44,446$109,969$4,229.57
+15h Overtime/Wk55 hrs$186,672-$52,005$123,466$4,748.70
+20h Overtime/Wk60 hrs$209,073-$58,392$138,136$5,312.94
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

Risk Management Specialist in Fort Collins-Loveland, CO: Compensation & Purchasing Power Briefing (2026)

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

Market Baseline
$119,470/yr
$57.44/hr · SOC 13-2054
Statutory Tax Drag
24.48% Effective
-$29,249 in Total Taxes
HUD 1BR Shelter Ratio
23% Net Pay
✓ Passes 30% HUD Rule
Monthly Discretionary
+$5,332/mo
Post-$1,589/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 Fort Collins-Loveland, CO: Market Snapshot

Risk Management Specialist roles in Fort Collins-Loveland, CO report a median annual wage of $119,470, 1.8% above the national median of $117,330. The 10th to 90th percentile band runs from $68,320 to $175,410, and HUD’s $1,589 monthly one-bedroom fair market rent equals 16.0% of that median gross pay. The single-adult living wage benchmark for the area is $28.62 per hour.

Highest-paying metropolitan areas for Risk Management Specialist

Metropolitan areaMedian annual wageVs this market
San Francisco-Oakland-Fremont, CA$167,440+40.2%
San Jose-Sunnyvale-Santa Clara, CA$166,240+39.1%
New York-Newark-Jersey City, NY-NJ$139,670+16.9%
Seattle-Tacoma-Bellevue, WA$134,330+12.4%
Charlotte-Concord-Gastonia, NC-SC$133,530+11.8%
Boston-Cambridge-Newton, MA-NH$132,580+11.0%
Bridgeport-Stamford-Danbury, CT$132,480+10.9%
Winston-Salem, NC$131,630+10.2%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD$130,880+9.6%
Washington-Arlington-Alexandria, DC-VA-MD-WV$126,510+5.9%

Top-paying occupations benchmarked in Fort Collins-Loveland, CO

OccupationMedian annual wageMedian hourly
Sales Managers$198,550$95.46/hr
Computer and Information Systems Managers$195,190$93.84/hr
Marketing Managers$189,690$91.20/hr
Financial Manager$175,890$84.56/hr
Architectural and Engineering Managers$175,380$84.32/hr
Purchasing Managers$171,280$82.35/hr
Human Resources Managers$156,820$75.39/hr
Natural Sciences Managers$152,730$73.43/hr
Administrative Services Managers$146,600$70.48/hr
Transportation, Storage, and Distribution Managers$144,910$69.67/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 Fort Collins-Loveland, CO Overview

Risk Management Specialist median pay in Fort Collins-Loveland, CO is $119,470 a year ($57.44/hr). See take-home pay after 2026 taxes, BLS wage percentiles. Official 2026 economic data for Risk Management Specialist in Fort Collins-Loveland, CO 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 Fort Collins-Loveland, CO?

The median annual wage is $119,470 ($57.44 per hour). The middle 80% of earners make between $68,320 and $175,410. Source: BLS OEWS (May 2025).

What is the take-home pay for a Risk Management Specialist in Fort Collins-Loveland, CO after taxes?

On the median wage of $119,470, a single filer with no pre-tax deductions takes home about $88,329 a year ($7,361 a month) after $31,141 in federal, FICA, state and local taxes, an effective rate of 26.07%, using 2026 tax rules.