SOC 13-2054

Risk Management Specialist Salary in Raleigh-Cary, NC (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 + NC
COL Index: 136.24 (+36.2% vs US)
Net Compensation Yield 71.2% Realized
$71,419 / net annual direct deposit
Gross Adjusted $100,260 $48.20/hr
Effective Tax Drag 22.77% Combined Jurisdictions
Marginal Top Bracket 22% Federal Statutory
Total Withheld -$22,825 $877.90/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 $48.20 / hour
0 hrs/wk (+$0/yr)
0 hrs (Standard) 10 hrs OT 20 hrs OT 25 hrs Max
6% (-$6,016/yr)
0% Tax Shield: ~$1,323/yr 15% (IRS limit: $24,500)
Itemized Statutory Withholdings Ledger
Federal Income Tax (IRS)
Progressive 10%–37%
-$11,904
Social Security (FICA OASDI)
Statutory 6.20% (Cap $184,500)
-$6,216
Medicare Hospital Insurance
Statutory 1.45%
-$1,454
North Carolina Individual Income Tax
State Marginal Bracket
-$3,252
Net Take-Home Annual Realized
$71,419 ($2,746.89 / check)
Category 2 of 6

Raleigh-Cary, NC Risk Management Specialist Wage Distribution

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

Your Salary: $100,260
MIDDLE 50% (IQR RANGE) 10th $48.6k 25th $63.3k Median: $100,260 50th (Median) $100k 75th $134k 90th $180k You: $100,260
10th (Entry) $48,610 $23.37/hr
25th (Junior) $63,300 $30.43/hr
50th (Median) $100,260 $48.20/hr
75th (Senior) $133,900 $64.38/hr
90th (Lead/Master) $179,830 $86.46/hr
Career Progression & Licensing Milestones for Risk Management Specialist in Raleigh-Cary, NC
1
Junior Risk AnalystFinancial modeling, risk metric calculations (VaR), portfolio analysis
$61,525$29.58/hr · 0-2 Years
2
Risk Management SpecialistCredit risk, market risk modeling, regulatory reporting (Basel/Dodd-Frank)
$92,287$44.37/hr · 2-5 Years
3
Senior Risk ManagerEnterprise risk frameworks, capital stress testing, counterparty hedging
$124,759$59.98/hr · 5-8 Years
4
Head of Risk GovernanceBoard risk committee reporting, institutional risk appetite governance
$160,648$77.23/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 Raleigh-Cary, NC 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) $1,552/month Requires minimum annual gross of $62,080
HUD Fair Market Rent (2-Bedroom) $1,689/month Requires minimum annual gross of $67,560
Hourly Living Wage Benchmark (EPI model)
1 Adult Earner: $30.13/hr
Per adult, 2 working adults + 1 child: $24.42/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 Raleigh-Cary, NC.

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$100,260-$22,825$71,419$2,746.89
+5h Overtime/Wk45 hrs$119,059-$28,856$83,059$3,194.58
+10h Overtime/Wk50 hrs$137,858-$35,043$94,544$3,636.29
+15h Overtime/Wk55 hrs$156,656-$41,427$105,830$4,070.39
+20h Overtime/Wk60 hrs$175,455-$47,811$117,117$4,504.49
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 Raleigh-Cary, NC: Compensation & Purchasing Power Briefing (2026)

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

Market Baseline
$100,260/yr
$48.20/hr · SOC 13-2054
Statutory Tax Drag
22.77% Effective
-$22,825 in Total Taxes
HUD 1BR Shelter Ratio
26% Net Pay
✓ Passes 30% HUD Rule
Monthly Discretionary
+$4,400/mo
Post-$1,552/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 Raleigh-Cary, NC: Market Snapshot

Risk Management Specialist roles in Raleigh-Cary, NC report a median annual wage of $100,260, 14.5% below the national median of $117,330. The 10th to 90th percentile band runs from $48,610 to $179,830, and HUD’s $1,552 monthly one-bedroom fair market rent equals 18.6% of that median gross pay. The single-adult living wage benchmark for the area is $30.13 per hour.

Highest-paying metropolitan areas for Risk Management Specialist

Metropolitan areaMedian annual wageVs this market
San Francisco-Oakland-Fremont, CA$167,440+67.0%
San Jose-Sunnyvale-Santa Clara, CA$166,240+65.8%
New York-Newark-Jersey City, NY-NJ$139,670+39.3%
Seattle-Tacoma-Bellevue, WA$134,330+34.0%
Charlotte-Concord-Gastonia, NC-SC$133,530+33.2%
Boston-Cambridge-Newton, MA-NH$132,580+32.2%
Bridgeport-Stamford-Danbury, CT$132,480+32.1%
Winston-Salem, NC$131,630+31.3%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD$130,880+30.5%
Washington-Arlington-Alexandria, DC-VA-MD-WV$126,510+26.2%

Top-paying occupations benchmarked in Raleigh-Cary, NC

OccupationMedian annual wageMedian hourly
Chief Executives$286,050$137.52/hr
Computer and Information Systems Managers$173,960$83.63/hr
Natural Sciences Managers$173,510$83.42/hr
Architectural and Engineering Managers$169,780$81.62/hr
Marketing Managers$167,640$80.60/hr
Sales Managers$163,520$78.62/hr
Financial Manager$163,130$78.43/hr
Human Resources Managers$144,190$69.32/hr
Cybersecurity Analyst$143,640$69.06/hr
Actuary$142,180$68.36/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 Raleigh-Cary, NC (2026) Overview

Risk Management Specialist median pay in Raleigh-Cary, NC is $100,260 a year ($48.20/hr). See take-home pay after 2026 taxes, BLS wage percentiles, HUD rents. Official 2026 economic data for Risk Management Specialist in Raleigh-Cary, NC 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 Raleigh-Cary, NC?

The median annual wage is $100,260 ($48.20 per hour). The middle 80% of earners make between $48,610 and $179,830. Source: BLS OEWS (May 2025).

What is the take-home pay for a Risk Management Specialist in Raleigh-Cary, NC after taxes?

On the median wage of $100,260, a single filer with no pre-tax deductions takes home about $75,871 a year ($6,323 a month) after $24,389 in federal, FICA, state and local taxes, an effective rate of 24.33%, using 2026 tax rules.