SOC 13-2054

Risk Management Specialist Salary in Lexington-Fayette, KY (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 + KY + Municipal
COL Index: 96.93 (-3.1% vs US)
Net Compensation Yield 71.0% Realized
$55,948 / net annual direct deposit
Gross Adjusted $78,820 $37.89/hr
Effective Tax Drag 23.02% Combined Jurisdictions
Marginal Top Bracket 22% Federal Statutory
Total Withheld -$18,143 $697.80/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 $37.89 / hour
0 hrs/wk (+$0/yr)
0 hrs (Standard) 10 hrs OT 20 hrs OT 25 hrs Max
6% (-$4,729/yr)
0% Tax Shield: ~$1,040/yr 15% (IRS limit: $24,500)
Itemized Statutory Withholdings Ledger
Federal Income Tax (IRS)
Progressive 10%–37%
-$7,470
Social Security (FICA OASDI)
Statutory 6.20% (Cap $184,500)
-$4,887
Medicare Hospital Insurance
Statutory 1.45%
-$1,143
Kentucky Individual Income Tax
State Marginal Bracket
-$2,476
Lexington-Fayette occupational and school tax
2.75%
-$2,168
Net Take-Home Annual Realized
$55,948 ($2,151.84 / check)
Category 2 of 6

Lexington-Fayette, KY Risk Management Specialist Wage Distribution

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

Your Salary: $78,820
MIDDLE 50% (IQR RANGE) 10th $51.5k 25th $59.7k Median: $78,820 50th (Median) $78.8k 75th $87.9k 90th $98.7k You: $78,820
10th (Entry) $51,530 $24.77/hr
25th (Junior) $59,700 $28.70/hr
50th (Median) $78,820 $37.89/hr
75th (Senior) $87,860 $42.24/hr
90th (Lead/Master) $98,670 $47.44/hr
Career Progression & Licensing Milestones for Risk Management Specialist in Lexington-Fayette, KY
1
Junior Risk AnalystFinancial modeling, risk metric calculations (VaR), portfolio analysis
$48,368$23.25/hr · 0-2 Years
2
Risk Management SpecialistCredit risk, market risk modeling, regulatory reporting (Basel/Dodd-Frank)
$72,552$34.88/hr · 2-5 Years
3
Senior Risk ManagerEnterprise risk frameworks, capital stress testing, counterparty hedging
$98,080$47.15/hr · 5-8 Years
4
Head of Risk GovernanceBoard risk committee reporting, institutional risk appetite governance
$126,295$60.72/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 Lexington-Fayette, KY under the HUD 30% housing cost guideline.

Rent-to-Take-Home Ratio (HUD 30% Standard)
26% of Net Income
✓ Passes 30% Housing Affordability Standard
HUD Fair Market Rent (1-Bedroom) $1,205/month Requires minimum annual gross of $48,200
HUD Fair Market Rent (2-Bedroom) $1,416/month Requires minimum annual gross of $56,640
Hourly Living Wage Benchmark (EPI model)
1 Adult Earner: $21.44/hr
Per adult, 2 working adults + 1 child: $20.42/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 Lexington-Fayette, KY.

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$78,820-$18,143$55,948$2,151.84
+5h Overtime/Wk45 hrs$93,599-$23,222$64,761$2,490.79
+10h Overtime/Wk50 hrs$108,378-$28,302$73,573$2,829.73
+15h Overtime/Wk55 hrs$123,156-$33,381$82,386$3,168.68
+20h Overtime/Wk60 hrs$137,935-$38,618$91,041$3,501.58
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 Lexington-Fayette, KY: Compensation & Purchasing Power Briefing (2026)

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

Market Baseline
$78,820/yr
$37.89/hr · SOC 13-2054
Statutory Tax Drag
23.02% Effective
-$18,143 in Total Taxes
HUD 1BR Shelter Ratio
26% Net Pay
✓ Passes 30% HUD Rule
Monthly Discretionary
+$3,457/mo
Post-$1,205/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 Lexington-Fayette, KY: Market Snapshot

Risk Management Specialist roles in Lexington-Fayette, KY report a median annual wage of $78,820, 32.8% below the national median of $117,330. The 10th to 90th percentile band runs from $51,530 to $98,670, and HUD’s $1,205 monthly one-bedroom fair market rent equals 18.3% of that median gross pay. The single-adult living wage benchmark for the area is $21.44 per hour.

Highest-paying metropolitan areas for Risk Management Specialist

Metropolitan areaMedian annual wageVs this market
San Francisco-Oakland-Fremont, CA$167,440+112.4%
San Jose-Sunnyvale-Santa Clara, CA$166,240+110.9%
New York-Newark-Jersey City, NY-NJ$139,670+77.2%
Seattle-Tacoma-Bellevue, WA$134,330+70.4%
Charlotte-Concord-Gastonia, NC-SC$133,530+69.4%
Boston-Cambridge-Newton, MA-NH$132,580+68.2%
Bridgeport-Stamford-Danbury, CT$132,480+68.1%
Winston-Salem, NC$131,630+67.0%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD$130,880+66.0%
Washington-Arlington-Alexandria, DC-VA-MD-WV$126,510+60.5%

Top-paying occupations benchmarked in Lexington-Fayette, KY

OccupationMedian annual wageMedian hourly
Chief Executives$179,520$86.31/hr
Natural Sciences Managers$161,450$77.62/hr
Architectural and Engineering Managers$161,170$77.49/hr
Computer and Information Systems Managers$144,160$69.31/hr
Fundraising Managers$140,090$67.35/hr
Education Administrators, Postsecondary$137,250$65.99/hr
Financial Manager$135,760$65.27/hr
Purchasing Managers$128,910$61.98/hr
Marketing Managers$127,040$61.08/hr
Sales Managers$124,860$60.03/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 Lexington-Fayette, KY (2026) Overview

Risk Management Specialist median pay in Lexington-Fayette, KY is $78,820 a year ($37.89/hr). See take-home pay after 2026 taxes, BLS wage percentiles, HUD. Official 2026 economic data for Risk Management Specialist in Lexington-Fayette, KY 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 Lexington-Fayette, KY?

The median annual wage is $78,820 ($37.89 per hour). The middle 80% of earners make between $51,530 and $98,670. Source: BLS OEWS (May 2025).

What is the take-home pay for a Risk Management Specialist in Lexington-Fayette, KY after taxes?

On the median wage of $78,820, a single filer with no pre-tax deductions takes home about $59,471 a year ($4,956 a month) after $19,349 in federal, FICA, state and local taxes, an effective rate of 24.55%, using 2026 tax rules.