SOC 13-2054

Risk Management Specialist Salary in Nashville-Davidson, TN (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 + TN
COL Index: 132.48 (+32.5% vs US)
Net Compensation Yield 74.9% Realized
$71,381 / net annual direct deposit
Gross Adjusted $95,250 $45.79/hr
Effective Tax Drag 19.06% Combined Jurisdictions
Marginal Top Bracket 22% Federal Statutory
Total Withheld -$18,154 $698.24/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 $45.79 / hour
0 hrs/wk (+$0/yr)
0 hrs (Standard) 10 hrs OT 20 hrs OT 25 hrs Max
6% (-$5,715/yr)
0% Tax Shield: ~$1,257/yr 15% (IRS limit: $24,500)
Itemized Statutory Withholdings Ledger
Federal Income Tax (IRS)
Progressive 10%–37%
-$10,868
Social Security (FICA OASDI)
Statutory 6.20% (Cap $184,500)
-$5,906
Medicare Hospital Insurance
Statutory 1.45%
-$1,381
Tennessee Individual Income Tax
State Marginal Bracket
-$0
Net Take-Home Annual Realized
$71,381 ($2,745.41 / check)
Category 2 of 6

Nashville-Davidson--Murfreesboro--Franklin, TN Risk Management Specialist Wage Distribution

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

Your Salary: $95,250
MIDDLE 50% (IQR RANGE) 10th $62.3k 25th $76.3k Median: $95,250 50th (Median) $95.2k 75th $126k 90th $155k You: $95,250
10th (Entry) $62,320 $29.96/hr
25th (Junior) $76,330 $36.70/hr
50th (Median) $95,250 $45.79/hr
75th (Senior) $125,660 $60.41/hr
90th (Lead/Master) $155,480 $74.75/hr
Career Progression & Licensing Milestones for Risk Management Specialist in Nashville-Davidson--Murfreesboro--Franklin, TN
1
Junior Risk AnalystFinancial modeling, risk metric calculations (VaR), portfolio analysis
$58,451$28.10/hr · 0-2 Years
2
Risk Management SpecialistCredit risk, market risk modeling, regulatory reporting (Basel/Dodd-Frank)
$87,676$42.15/hr · 2-5 Years
3
Senior Risk ManagerEnterprise risk frameworks, capital stress testing, counterparty hedging
$118,525$56.98/hr · 5-8 Years
4
Head of Risk GovernanceBoard risk committee reporting, institutional risk appetite governance
$152,621$73.38/hr · 8+ Years
Scaled to the Nashville-Davidson--Murfreesboro--Franklin, TN 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 Nashville-Davidson--Murfreesboro--Franklin, TN under the HUD 30% housing cost guideline.

Rent-to-Take-Home Ratio (HUD 30% Standard)
28% of Net Income
✓ Passes 30% Housing Affordability Standard
HUD Fair Market Rent (1-Bedroom) $1,650/month Requires minimum annual gross of $66,000
HUD Fair Market Rent (2-Bedroom) $1,798/month Requires minimum annual gross of $71,920
Hourly Living Wage Benchmark (EPI model)
1 Adult Earner: $29.30/hr
Per adult, 2 working adults + 1 child: $23.51/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 Nashville-Davidson--Murfreesboro--Franklin, TN.

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$95,250-$18,154$71,381$2,745.41
+5h Overtime/Wk45 hrs$113,109-$23,214$83,109$3,196.50
+10h Overtime/Wk50 hrs$130,969-$28,300$94,811$3,646.58
+15h Overtime/Wk55 hrs$148,828-$33,695$106,203$4,084.75
+20h Overtime/Wk60 hrs$166,688-$39,090$117,596$4,522.92
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 Nashville-Davidson--Murfreesboro--Franklin, TN: Compensation & Purchasing Power Briefing (2026)

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

Market Baseline
$95,250/yr
$45.79/hr · SOC 13-2054
Statutory Tax Drag
19.06% Effective
-$18,154 in Total Taxes
HUD 1BR Shelter Ratio
28% Net Pay
✓ Passes 30% HUD Rule
Monthly Discretionary
+$4,298/mo
Post-$1,650/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 Nashville-Davidson--Murfreesboro--Franklin, TN: Market Snapshot

Risk Management Specialist roles in Nashville-Davidson--Murfreesboro--Franklin, TN report a median annual wage of $95,250, 18.8% below the national median of $117,330. The 10th to 90th percentile band runs from $62,320 to $155,480, and HUD’s $1,650 monthly one-bedroom fair market rent equals 20.8% of that median gross pay. The single-adult living wage benchmark for the area is $29.30 per hour.

Highest-paying metropolitan areas for Risk Management Specialist

Metropolitan areaMedian annual wageVs this market
San Francisco-Oakland-Fremont, CA$167,440+75.8%
San Jose-Sunnyvale-Santa Clara, CA$166,240+74.5%
New York-Newark-Jersey City, NY-NJ$139,670+46.6%
Seattle-Tacoma-Bellevue, WA$134,330+41.0%
Charlotte-Concord-Gastonia, NC-SC$133,530+40.2%
Boston-Cambridge-Newton, MA-NH$132,580+39.2%
Bridgeport-Stamford-Danbury, CT$132,480+39.1%
Winston-Salem, NC$131,630+38.2%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD$130,880+37.4%
Washington-Arlington-Alexandria, DC-VA-MD-WV$126,510+32.8%

Top-paying occupations benchmarked in Nashville-Davidson--Murfreesboro--Franklin, TN

OccupationMedian annual wageMedian hourly
Chief Executives$218,190$104.90/hr
Computer and Information Systems Managers$165,970$79.79/hr
Architectural and Engineering Managers$159,720$76.79/hr
Financial Manager$156,860$75.41/hr
Purchasing Managers$140,410$67.50/hr
Marketing Managers$135,370$65.08/hr
Human Resources Managers$135,230$65.01/hr
Administrative Services Managers$133,220$64.05/hr
Sales Managers$131,600$63.27/hr
Fundraising Managers$130,010$62.50/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 Nashville-Davidson, TN (2026) Overview

Risk Management Specialist median pay in Nashville-Davidson--Murfreesboro--Franklin, TN is $95,250 a year ($45.79/hr). See take-home pay after 2026 taxes, BLS. Official 2026 economic data for Risk Management Specialist in Nashville-Davidson--Murfreesboro--Franklin, TN 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 Nashville-Davidson--Murfreesboro--Franklin, TN?

The median annual wage is $95,250 ($45.79 per hour). The middle 80% of earners make between $62,320 and $155,480. Source: BLS OEWS (May 2025).

What is the take-home pay for a Risk Management Specialist in Nashville-Davidson--Murfreesboro--Franklin, TN after taxes?

On the median wage of $95,250, a single filer with no pre-tax deductions takes home about $75,838 a year ($6,320 a month) after $19,412 in federal, FICA, state and local taxes, an effective rate of 20.38%, using 2026 tax rules.