SOC 13-2054

Risk Management Specialist Salary in Providence-Warwick, RI-MA

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 + RI
COL Index: 111.2 (+11.2% vs US)
Net Compensation Yield 71.3% Realized
$73,748 / net annual direct deposit
Gross Adjusted $103,470 $49.75/hr
Effective Tax Drag 22.72% Combined Jurisdictions
Marginal Top Bracket 22% Federal Statutory
Total Withheld -$23,513 $904.37/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 $49.75 / hour
0 hrs/wk (+$0/yr)
0 hrs (Standard) 10 hrs OT 20 hrs OT 25 hrs Max
6% (-$6,208/yr)
0% Tax Shield: ~$1,366/yr 15% (IRS limit: $24,500)
Itemized Statutory Withholdings Ledger
Federal Income Tax (IRS)
Progressive 10%–37%
-$12,568
Social Security (FICA OASDI)
Statutory 6.20% (Cap $184,500)
-$6,415
Medicare Hospital Insurance
Statutory 1.45%
-$1,500
Rhode Island Individual Income Tax
State Marginal Bracket
-$3,030
Net Take-Home Annual Realized
$73,748 ($2,836.47 / check)
Category 2 of 6

Providence-Warwick, RI-MA Risk Management Specialist Wage Distribution

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

Your Salary: $103,470
MIDDLE 50% (IQR RANGE) 10th $59.5k 25th $77.9k Median: $103,470 50th (Median) $103k 75th $135k 90th $187k You: $103,470
10th (Entry) $59,470 $28.59/hr
25th (Junior) $77,930 $37.47/hr
50th (Median) $103,470 $49.75/hr
75th (Senior) $135,000 $64.90/hr
90th (Lead/Master) $186,570 $89.70/hr
Career Progression & Licensing Milestones for Risk Management Specialist in Providence-Warwick, RI-MA
1
Junior Risk AnalystFinancial modeling, risk metric calculations (VaR), portfolio analysis
$63,495$30.53/hr · 0-2 Years
2
Risk Management SpecialistCredit risk, market risk modeling, regulatory reporting (Basel/Dodd-Frank)
$95,242$45.79/hr · 2-5 Years
3
Senior Risk ManagerEnterprise risk frameworks, capital stress testing, counterparty hedging
$128,753$61.90/hr · 5-8 Years
4
Head of Risk GovernanceBoard risk committee reporting, institutional risk appetite governance
$165,792$79.71/hr · 8+ Years
Scaled to the Providence-Warwick, RI-MA 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 Providence-Warwick, RI-MA under the HUD 30% housing cost guideline.

Rent-to-Take-Home Ratio (HUD 30% Standard)
25% of Net Income
✓ Passes 30% Housing Affordability Standard
HUD Fair Market Rent (1-Bedroom) $1,509/month Requires minimum annual gross of $60,360
HUD Fair Market Rent (2-Bedroom) $1,879/month Requires minimum annual gross of $75,160
Hourly Living Wage Benchmark (EPI model)
1 Adult Earner: $24.59/hr
Per adult, 2 working adults + 1 child: $23.28/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 Providence-Warwick, RI-MA.

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$103,470-$23,513$73,748$2,836.47
+5h Overtime/Wk45 hrs$122,871-$29,864$85,635$3,293.65
+10h Overtime/Wk50 hrs$142,271-$36,465$97,270$3,741.17
+15h Overtime/Wk55 hrs$161,672-$43,192$108,780$4,183.84
+20h Overtime/Wk60 hrs$181,073-$49,919$120,289$4,626.51
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 Providence-Warwick, RI-MA: Compensation & Purchasing Power Briefing (2026)

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

Market Baseline
$103,470/yr
$49.75/hr · SOC 13-2054
Statutory Tax Drag
22.72% Effective
-$23,513 in Total Taxes
HUD 1BR Shelter Ratio
25% Net Pay
✓ Passes 30% HUD Rule
Monthly Discretionary
+$4,637/mo
Post-$1,509/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 Providence-Warwick, RI-MA: Market Snapshot

Risk Management Specialist roles in Providence-Warwick, RI-MA report a median annual wage of $103,470, 11.8% below the national median of $117,330. The 10th to 90th percentile band runs from $59,470 to $186,570, and HUD’s $1,509 monthly one-bedroom fair market rent equals 17.5% of that median gross pay. The single-adult living wage benchmark for the area is $24.59 per hour.

Highest-paying metropolitan areas for Risk Management Specialist

Metropolitan areaMedian annual wageVs this market
San Francisco-Oakland-Fremont, CA$167,440+61.8%
San Jose-Sunnyvale-Santa Clara, CA$166,240+60.7%
New York-Newark-Jersey City, NY-NJ$139,670+35.0%
Seattle-Tacoma-Bellevue, WA$134,330+29.8%
Charlotte-Concord-Gastonia, NC-SC$133,530+29.1%
Boston-Cambridge-Newton, MA-NH$132,580+28.1%
Bridgeport-Stamford-Danbury, CT$132,480+28.0%
Winston-Salem, NC$131,630+27.2%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD$130,880+26.5%
Washington-Arlington-Alexandria, DC-VA-MD-WV$126,510+22.3%

Top-paying occupations benchmarked in Providence-Warwick, RI-MA

OccupationMedian annual wageMedian hourly
Chief Executives$243,620$117.12/hr
Architectural and Engineering Managers$172,640$83.00/hr
Computer and Information Systems Managers$171,220$82.32/hr
Financial Manager$167,570$80.56/hr
Human Resources Managers$163,290$78.50/hr
Compensation and Benefits Managers$162,440$78.10/hr
Advertising and Promotions Managers$157,890$75.91/hr
Sales Managers$148,880$71.58/hr
Public Relations Managers$146,370$70.37/hr
Natural Sciences Managers$144,920$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 Providence-Warwick, RI-MA Overview

Risk Management Specialist median pay in Providence-Warwick, RI-MA is $103,470 a year ($49.75/hr). See take-home pay after 2026 taxes, BLS wage percentiles. Official 2026 economic data for Risk Management Specialist in Providence-Warwick, RI-MA 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 Providence-Warwick, RI-MA?

The median annual wage is $103,470 ($49.75 per hour). The middle 80% of earners make between $59,470 and $186,570. Source: BLS OEWS (May 2025).

What is the take-home pay for a Risk Management Specialist in Providence-Warwick, RI-MA after taxes?

On the median wage of $103,470, a single filer with no pre-tax deductions takes home about $78,308 a year ($6,526 a month) after $25,162 in federal, FICA, state and local taxes, an effective rate of 24.32%, using 2026 tax rules.