SOC 13-2054

Risk Management Specialist Salary in Philadelphia, PA-NJ-DE-MD

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 + PA + Municipal
COL Index: 119.89 (+19.9% vs US)
Net Compensation Yield 65.6% Realized
$85,848 / net annual direct deposit
Gross Adjusted $130,880 $62.92/hr
Effective Tax Drag 28.41% Combined Jurisdictions
Marginal Top Bracket 24% Federal Statutory
Total Withheld -$37,179 $1,429.97/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 $62.92 / hour
0 hrs/wk (+$0/yr)
0 hrs (Standard) 10 hrs OT 20 hrs OT 25 hrs Max
6% (-$7,853/yr)
0% Tax Shield: ~$1,885/yr 15% (IRS limit: $24,500)
Itemized Statutory Withholdings Ledger
Federal Income Tax (IRS)
Progressive 10%–37%
-$18,261
Social Security (FICA OASDI)
Statutory 6.20% (Cap $184,500)
-$8,115
Medicare Hospital Insurance
Statutory 1.45%
-$1,898
Pennsylvania Individual Income Tax
State Marginal Bracket
-$4,018
Philadelphia wage tax
3.74%
-$4,888
Net Take-Home Annual Realized
$85,848 ($3,301.84 / check)
Category 2 of 6

Philadelphia-Camden-Wilmington, PA-NJ-DE-MD Risk Management Specialist Wage Distribution

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

Your Salary: $130,880
MIDDLE 50% (IQR RANGE) 10th $73.6k 25th $93.4k Median: $130,880 50th (Median) $131k 75th $165k 90th $187k You: $130,880
10th (Entry) $73,590 $35.38/hr
25th (Junior) $93,440 $44.92/hr
50th (Median) $130,880 $62.92/hr
75th (Senior) $165,170 $79.41/hr
90th (Lead/Master) $187,140 $89.97/hr
Career Progression & Licensing Milestones for Risk Management Specialist in Philadelphia-Camden-Wilmington, PA-NJ-DE-MD
1
Junior Risk AnalystFinancial modeling, risk metric calculations (VaR), portfolio analysis
$80,315$38.61/hr · 0-2 Years
2
Risk Management SpecialistCredit risk, market risk modeling, regulatory reporting (Basel/Dodd-Frank)
$120,473$57.92/hr · 2-5 Years
3
Senior Risk ManagerEnterprise risk frameworks, capital stress testing, counterparty hedging
$162,861$78.30/hr · 5-8 Years
4
Head of Risk GovernanceBoard risk committee reporting, institutional risk appetite governance
$209,711$100.82/hr · 8+ Years
Scaled to the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD 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 Philadelphia-Camden-Wilmington, PA-NJ-DE-MD under the HUD 30% housing cost guideline.

Rent-to-Take-Home Ratio (HUD 30% Standard)
22% of Net Income
✓ Passes 30% Housing Affordability Standard
HUD Fair Market Rent (1-Bedroom) $1,558/month Requires minimum annual gross of $62,320
HUD Fair Market Rent (2-Bedroom) $1,860/month Requires minimum annual gross of $74,400
Hourly Living Wage Benchmark (EPI model)
1 Adult Earner: $26.51/hr
Per adult, 2 working adults + 1 child: $24.25/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 Philadelphia-Camden-Wilmington, PA-NJ-DE-MD.

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$130,880-$37,179$85,848$3,301.84
+5h Overtime/Wk45 hrs$155,420-$46,263$99,832$3,839.70
+10h Overtime/Wk50 hrs$179,960-$55,346$113,816$4,377.55
+15h Overtime/Wk55 hrs$204,500-$63,230$129,000$4,961.53
+20h Overtime/Wk60 hrs$229,040-$71,013$144,285$5,549.41
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 Philadelphia-Camden-Wilmington, PA-NJ-DE-MD: Compensation & Purchasing Power Briefing (2026)

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

Market Baseline
$130,880/yr
$62.92/hr · SOC 13-2054
Statutory Tax Drag
28.41% Effective
-$37,179 in Total Taxes
HUD 1BR Shelter Ratio
22% Net Pay
✓ Passes 30% HUD Rule
Monthly Discretionary
+$5,596/mo
Post-$1,558/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 Philadelphia-Camden-Wilmington, PA-NJ-DE-MD: Market Snapshot

Risk Management Specialist roles in Philadelphia-Camden-Wilmington, PA-NJ-DE-MD report a median annual wage of $130,880, 11.5% above the national median of $117,330. The 10th to 90th percentile band runs from $73,590 to $187,140, and HUD’s $1,558 monthly one-bedroom fair market rent equals 14.3% of that median gross pay. The single-adult living wage benchmark for the area is $26.51 per hour.

Highest-paying metropolitan areas for Risk Management Specialist

Metropolitan areaMedian annual wageVs this market
San Francisco-Oakland-Fremont, CA$167,440+27.9%
San Jose-Sunnyvale-Santa Clara, CA$166,240+27.0%
New York-Newark-Jersey City, NY-NJ$139,670+6.7%
Seattle-Tacoma-Bellevue, WA$134,330+2.6%
Charlotte-Concord-Gastonia, NC-SC$133,530+2.0%
Boston-Cambridge-Newton, MA-NH$132,580+1.3%
Bridgeport-Stamford-Danbury, CT$132,480+1.2%
Winston-Salem, NC$131,630+0.6%
Washington-Arlington-Alexandria, DC-VA-MD-WV$126,510-3.3%
Colorado Springs, CO$126,500-3.3%

Top-paying occupations benchmarked in Philadelphia-Camden-Wilmington, PA-NJ-DE-MD

OccupationMedian annual wageMedian hourly
Chief Executives$292,770$140.75/hr
Computer and Information Systems Managers$173,470$83.40/hr
Natural Sciences Managers$172,900$83.12/hr
Architectural and Engineering Managers$171,140$82.28/hr
Financial Manager$166,920$80.25/hr
Marketing Managers$166,310$79.96/hr
Data Engineer$163,590$78.65/hr
Sales Managers$156,500$75.24/hr
Purchasing Managers$155,500$74.76/hr
Human Resources Managers$154,490$74.27/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 Philadelphia, PA-NJ-DE-MD Overview

Risk Management Specialist median pay in Philadelphia-Camden-Wilmington, PA-NJ-DE-MD is $130,880 a year ($62.92/hr). See take-home pay after 2026 taxes, BLS. Official 2026 economic data for Risk Management Specialist in Philadelphia-Camden-Wilmington, PA-NJ-DE-MD 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 Philadelphia-Camden-Wilmington, PA-NJ-DE-MD?

The median annual wage is $130,880 ($62.92 per hour). The middle 80% of earners make between $73,590 and $187,140. Source: BLS OEWS (May 2025).

What is the take-home pay for a Risk Management Specialist in Philadelphia-Camden-Wilmington, PA-NJ-DE-MD after taxes?

On the median wage of $130,880, a single filer with no pre-tax deductions takes home about $91,816 a year ($7,651 a month) after $39,064 in federal, FICA, state and local taxes, an effective rate of 29.85%, using 2026 tax rules.