SOC 13-2054

Risk Management Specialist Salary in Sacramento-Roseville-Folsom, CA

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 + CA
COL Index: 144.55 (+44.6% vs US)
Net Compensation Yield 66.4% Realized
$81,380 / net annual direct deposit
Gross Adjusted $122,530 $58.91/hr
Effective Tax Drag 27.58% Combined Jurisdictions
Marginal Top Bracket 22% Federal Statutory
Total Withheld -$33,798 $1,299.93/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 $58.91 / hour
0 hrs/wk (+$0/yr)
0 hrs (Standard) 10 hrs OT 20 hrs OT 25 hrs Max
6% (-$7,352/yr)
0% Tax Shield: ~$1,617/yr 15% (IRS limit: $24,500)
Itemized Statutory Withholdings Ledger
Federal Income Tax (IRS)
Progressive 10%–37%
-$16,509
Social Security (FICA OASDI)
Statutory 6.20% (Cap $184,500)
-$7,597
Medicare Hospital Insurance
Statutory 1.45%
-$1,777
California Individual Income Tax
State Marginal Bracket
-$6,322
State Disability Insurance (SDI)
Statutory Payroll Assessment
-$1,593
Net Take-Home Annual Realized
$81,380 ($3,130.00 / check)
Category 2 of 6

Sacramento-Roseville-Folsom, CA Risk Management Specialist Wage Distribution

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

Your Salary: $122,530
MIDDLE 50% (IQR RANGE) 10th $68.4k 25th $88.5k Median: $122,530 50th (Median) $123k 75th $152k 90th $177k You: $122,530
10th (Entry) $68,370 $32.87/hr
25th (Junior) $88,480 $42.54/hr
50th (Median) $122,530 $58.91/hr
75th (Senior) $151,750 $72.96/hr
90th (Lead/Master) $176,600 $84.90/hr
Career Progression & Licensing Milestones for Risk Management Specialist in Sacramento-Roseville-Folsom, CA
1
Junior Risk AnalystFinancial modeling, risk metric calculations (VaR), portfolio analysis
$75,191$36.15/hr · 0-2 Years
2
Risk Management SpecialistCredit risk, market risk modeling, regulatory reporting (Basel/Dodd-Frank)
$112,786$54.22/hr · 2-5 Years
3
Senior Risk ManagerEnterprise risk frameworks, capital stress testing, counterparty hedging
$152,471$73.30/hr · 5-8 Years
4
Head of Risk GovernanceBoard risk committee reporting, institutional risk appetite governance
$196,332$94.39/hr · 8+ Years
Scaled to the Sacramento-Roseville-Folsom, CA 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 Sacramento-Roseville-Folsom, CA 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) $1,793/month Requires minimum annual gross of $71,720
HUD Fair Market Rent (2-Bedroom) $2,201/month Requires minimum annual gross of $88,040
Hourly Living Wage Benchmark (EPI model)
1 Adult Earner: $31.97/hr
Per adult, 2 working adults + 1 child: $28.95/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 Sacramento-Roseville-Folsom, CA.

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$122,530-$33,798$81,380$3,130.00
+5h Overtime/Wk45 hrs$145,504-$42,913$93,861$3,610.03
+10h Overtime/Wk50 hrs$168,479-$52,161$106,209$4,084.97
+15h Overtime/Wk55 hrs$191,453-$60,977$118,988$4,576.48
+20h Overtime/Wk60 hrs$214,428-$68,931$132,631$5,101.20
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 Sacramento-Roseville-Folsom, CA: Compensation & Purchasing Power Briefing (2026)

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

Market Baseline
$122,530/yr
$58.91/hr · SOC 13-2054
Statutory Tax Drag
27.58% Effective
-$33,798 in Total Taxes
HUD 1BR Shelter Ratio
26% Net Pay
✓ Passes 30% HUD Rule
Monthly Discretionary
+$4,989/mo
Post-$1,793/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 Sacramento-Roseville-Folsom, CA: Market Snapshot

Risk Management Specialist roles in Sacramento-Roseville-Folsom, CA report a median annual wage of $122,530, 4.4% above the national median of $117,330. The 10th to 90th percentile band runs from $68,370 to $176,600, and HUD’s $1,793 monthly one-bedroom fair market rent equals 17.6% of that median gross pay. The single-adult living wage benchmark for the area is $31.97 per hour.

Highest-paying metropolitan areas for Risk Management Specialist

Metropolitan areaMedian annual wageVs this market
San Francisco-Oakland-Fremont, CA$167,440+36.7%
San Jose-Sunnyvale-Santa Clara, CA$166,240+35.7%
New York-Newark-Jersey City, NY-NJ$139,670+14.0%
Seattle-Tacoma-Bellevue, WA$134,330+9.6%
Charlotte-Concord-Gastonia, NC-SC$133,530+9.0%
Boston-Cambridge-Newton, MA-NH$132,580+8.2%
Bridgeport-Stamford-Danbury, CT$132,480+8.1%
Winston-Salem, NC$131,630+7.4%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD$130,880+6.8%
Washington-Arlington-Alexandria, DC-VA-MD-WV$126,510+3.2%

Top-paying occupations benchmarked in Sacramento-Roseville-Folsom, CA

OccupationMedian annual wageMedian hourly
Architectural and Engineering Managers$193,970$93.25/hr
Nurse Practitioner$172,010$82.70/hr
Registered Nurse (RN)$171,460$82.43/hr
Natural Sciences Managers$170,010$81.74/hr
Chief Executives$169,770$81.62/hr
Data Engineer$169,310$81.40/hr
Computer and Information Systems Managers$165,270$79.46/hr
Marketing Managers$164,270$78.98/hr
Financial Manager$163,090$78.41/hr
Physician Assistant$161,470$77.63/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 Sacramento-Roseville-Folsom, CA Overview

Risk Management Specialist median pay in Sacramento-Roseville-Folsom, CA is $122,530 a year ($58.91/hr). See take-home pay after 2026 taxes, BLS wage. Official 2026 economic data for Risk Management Specialist in Sacramento-Roseville-Folsom, CA 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 Sacramento-Roseville-Folsom, CA?

The median annual wage is $122,530 ($58.91 per hour). The middle 80% of earners make between $68,370 and $176,600. Source: BLS OEWS (May 2025).

What is the take-home pay for a Risk Management Specialist in Sacramento-Roseville-Folsom, CA after taxes?

On the median wage of $122,530, a single filer with no pre-tax deductions takes home about $86,416 a year ($7,201 a month) after $36,114 in federal, FICA, state and local taxes, an effective rate of 29.47%, using 2026 tax rules.