SOC 13-2054

Risk Management Specialist Salary in New York-Newark, NY-NJ (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 + NY + Municipal
COL Index: 181 (+81.0% vs US)
Net Compensation Yield 63.5% Realized
$88,733 / net annual direct deposit
Gross Adjusted $139,670 $67.15/hr
Effective Tax Drag 30.47% Combined Jurisdictions
Marginal Top Bracket 24% Federal Statutory
Total Withheld -$42,557 $1,636.80/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 $67.15 / hour
0 hrs/wk (+$0/yr)
0 hrs (Standard) 10 hrs OT 20 hrs OT 25 hrs Max
6% (-$8,380/yr)
0% Tax Shield: ~$2,011/yr 15% (IRS limit: $24,500)
Itemized Statutory Withholdings Ledger
Federal Income Tax (IRS)
Progressive 10%–37%
-$20,244
Social Security (FICA OASDI)
Statutory 6.20% (Cap $184,500)
-$8,660
Medicare Hospital Insurance
Statutory 1.45%
-$2,025
New York Individual Income Tax
State Marginal Bracket
-$6,975
New York City resident income tax
3.88%
-$4,654
Net Take-Home Annual Realized
$88,733 ($3,412.81 / check)
Category 2 of 6

New York-Newark-Jersey City, NY-NJ Risk Management Specialist Wage Distribution

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

Your Salary: $139,670
MIDDLE 50% (IQR RANGE) 10th $93.5k 25th $108k Median: $139,670 50th (Median) $140k 75th $179k 90th $220k You: $139,670
10th (Entry) $93,550 $44.98/hr
25th (Junior) $108,170 $52.00/hr
50th (Median) $139,670 $67.15/hr
75th (Senior) $178,990 $86.05/hr
90th (Lead/Master) $220,260 $105.89/hr
Career Progression & Licensing Milestones for Risk Management Specialist in New York-Newark-Jersey City, NY-NJ
1
Junior Risk AnalystFinancial modeling, risk metric calculations (VaR), portfolio analysis
$85,709$41.21/hr · 0-2 Years
2
Risk Management SpecialistCredit risk, market risk modeling, regulatory reporting (Basel/Dodd-Frank)
$128,564$61.81/hr · 2-5 Years
3
Senior Risk ManagerEnterprise risk frameworks, capital stress testing, counterparty hedging
$173,799$83.56/hr · 5-8 Years
4
Head of Risk GovernanceBoard risk committee reporting, institutional risk appetite governance
$223,796$107.59/hr · 8+ Years
Scaled to the New York-Newark-Jersey City, NY-NJ 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 New York-Newark-Jersey City, NY-NJ under the HUD 30% housing cost guideline.

Rent-to-Take-Home Ratio (HUD 30% Standard)
37% of Net Income
⚠️ Cost-Burdened (Exceeds 30% Rule)
HUD Fair Market Rent (1-Bedroom) $2,729/month Requires minimum annual gross of $109,160
HUD Fair Market Rent (2-Bedroom) $2,971/month Requires minimum annual gross of $118,840
Hourly Living Wage Benchmark (EPI model)
1 Adult Earner: $40.03/hr
Per adult, 2 working adults + 1 child: $34.19/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 New York-Newark-Jersey City, NY-NJ.

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$139,670-$42,557$88,733$3,412.81
+5h Overtime/Wk45 hrs$165,858-$53,154$102,752$3,952.01
+10h Overtime/Wk50 hrs$192,046-$63,024$117,499$4,519.20
+15h Overtime/Wk55 hrs$218,234-$71,883$133,258$5,125.29
+20h Overtime/Wk60 hrs$244,423-$82,411$147,346$5,667.15
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 New York-Newark-Jersey City, NY-NJ: Compensation & Purchasing Power Briefing (2026)

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

Market Baseline
$139,670/yr
$67.15/hr · SOC 13-2054
Statutory Tax Drag
30.47% Effective
-$42,557 in Total Taxes
HUD 1BR Shelter Ratio
37% Net Pay
⚠️ Exceeds 30% HUD Rule
Monthly Discretionary
+$4,665/mo
Post-$2,729/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 New York-Newark-Jersey City, NY-NJ: Market Snapshot

Risk Management Specialist roles in New York-Newark-Jersey City, NY-NJ report a median annual wage of $139,670, 19.0% above the national median of $117,330. The 10th to 90th percentile band runs from $93,550 to $220,260, and HUD’s $2,729 monthly one-bedroom fair market rent equals 23.4% of that median gross pay. The single-adult living wage benchmark for the area is $40.03 per hour.

Highest-paying metropolitan areas for Risk Management Specialist

Metropolitan areaMedian annual wageVs this market
San Francisco-Oakland-Fremont, CA$167,440+19.9%
San Jose-Sunnyvale-Santa Clara, CA$166,240+19.0%
Seattle-Tacoma-Bellevue, WA$134,330-3.8%
Charlotte-Concord-Gastonia, NC-SC$133,530-4.4%
Boston-Cambridge-Newton, MA-NH$132,580-5.1%
Bridgeport-Stamford-Danbury, CT$132,480-5.1%
Winston-Salem, NC$131,630-5.8%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD$130,880-6.3%
Washington-Arlington-Alexandria, DC-VA-MD-WV$126,510-9.4%
Colorado Springs, CO$126,500-9.4%

Top-paying occupations benchmarked in New York-Newark-Jersey City, NY-NJ

OccupationMedian annual wageMedian hourly
Chief Executives$301,440$144.92/hr
Financial Manager$221,010$106.25/hr
Computer and Information Systems Managers$215,300$103.51/hr
Sales Managers$215,150$103.44/hr
Marketing Managers$192,840$92.71/hr
Public Relations Managers$192,360$92.48/hr
Human Resources Managers$185,100$88.99/hr
Architectural and Engineering Managers$183,890$88.41/hr
Natural Sciences Managers$180,460$86.76/hr
Compensation and Benefits Managers$179,730$86.41/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 New York-Newark, NY-NJ (2026) Overview

Risk Management Specialist median pay in New York-Newark-Jersey City, NY-NJ is $139,670 a year ($67.15/hr). See take-home pay after 2026 taxes, BLS wage. Official 2026 economic data for Risk Management Specialist in New York-Newark-Jersey City, NY-NJ 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 New York-Newark-Jersey City, NY-NJ?

The median annual wage is $139,670 ($67.15 per hour). The middle 80% of earners make between $93,550 and $220,260. Source: BLS OEWS (May 2025).

What is the take-home pay for a Risk Management Specialist in New York-Newark-Jersey City, NY-NJ after taxes?

On the median wage of $139,670, a single filer with no pre-tax deductions takes home about $94,188 a year ($7,849 a month) after $45,482 in federal, FICA, state and local taxes, an effective rate of 32.56%, using 2026 tax rules.