SOC 13-2054

Risk Management Specialist Salary in San Antonio-New Braunfels, TX

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 + TX
COL Index: 102.42 (+2.4% vs US)
Net Compensation Yield 74.2% Realized
$77,120 / net annual direct deposit
Gross Adjusted $103,990 $50.00/hr
Effective Tax Drag 19.84% Combined Jurisdictions
Marginal Top Bracket 22% Federal Statutory
Total Withheld -$20,630 $793.48/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 $50.00 / hour
0 hrs/wk (+$0/yr)
0 hrs (Standard) 10 hrs OT 20 hrs OT 25 hrs Max
6% (-$6,239/yr)
0% Tax Shield: ~$1,373/yr 15% (IRS limit: $24,500)
Itemized Statutory Withholdings Ledger
Federal Income Tax (IRS)
Progressive 10%–37%
-$12,675
Social Security (FICA OASDI)
Statutory 6.20% (Cap $184,500)
-$6,447
Medicare Hospital Insurance
Statutory 1.45%
-$1,508
Texas Individual Income Tax
State Marginal Bracket
-$0
Net Take-Home Annual Realized
$77,120 ($2,966.16 / check)
Category 2 of 6

San Antonio-New Braunfels, TX Risk Management Specialist Wage Distribution

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

Your Salary: $103,990
MIDDLE 50% (IQR RANGE) 10th $67.6k 25th $82.2k Median: $103,990 50th (Median) $104k 75th $127k 90th $155k You: $103,990
10th (Entry) $67,610 $32.50/hr
25th (Junior) $82,210 $39.52/hr
50th (Median) $103,990 $50.00/hr
75th (Senior) $126,810 $60.97/hr
90th (Lead/Master) $154,580 $74.32/hr
Career Progression & Licensing Milestones for Risk Management Specialist in San Antonio-New Braunfels, TX
1
Junior Risk AnalystFinancial modeling, risk metric calculations (VaR), portfolio analysis
$63,814$30.68/hr · 0-2 Years
2
Risk Management SpecialistCredit risk, market risk modeling, regulatory reporting (Basel/Dodd-Frank)
$95,721$46.02/hr · 2-5 Years
3
Senior Risk ManagerEnterprise risk frameworks, capital stress testing, counterparty hedging
$129,400$62.21/hr · 5-8 Years
4
Head of Risk GovernanceBoard risk committee reporting, institutional risk appetite governance
$166,625$80.11/hr · 8+ Years
Scaled to the San Antonio-New Braunfels, TX 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 San Antonio-New Braunfels, TX under the HUD 30% housing cost guideline.

Rent-to-Take-Home Ratio (HUD 30% Standard)
19% of Net Income
✓ Passes 30% Housing Affordability Standard
HUD Fair Market Rent (1-Bedroom) $1,196/month Requires minimum annual gross of $47,840
HUD Fair Market Rent (2-Bedroom) $1,441/month Requires minimum annual gross of $57,640
Hourly Living Wage Benchmark (EPI model)
1 Adult Earner: $22.65/hr
Per adult, 2 working adults + 1 child: $20.06/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 San Antonio-New Braunfels, TX.

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$103,990-$20,630$77,120$2,966.16
+5h Overtime/Wk45 hrs$123,488-$26,154$89,925$3,458.64
+10h Overtime/Wk50 hrs$142,986-$31,930$102,477$3,941.42
+15h Overtime/Wk55 hrs$162,484-$37,821$114,915$4,419.80
+20h Overtime/Wk60 hrs$181,983-$43,711$127,353$4,898.18
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 San Antonio-New Braunfels, TX: Compensation & Purchasing Power Briefing (2026)

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

Market Baseline
$103,990/yr
$50.00/hr · SOC 13-2054
Statutory Tax Drag
19.84% Effective
-$20,630 in Total Taxes
HUD 1BR Shelter Ratio
19% Net Pay
✓ Passes 30% HUD Rule
Monthly Discretionary
+$5,231/mo
Post-$1,196/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 San Antonio-New Braunfels, TX: Market Snapshot

Risk Management Specialist roles in San Antonio-New Braunfels, TX report a median annual wage of $103,990, 11.4% below the national median of $117,330. The 10th to 90th percentile band runs from $67,610 to $154,580, and HUD’s $1,196 monthly one-bedroom fair market rent equals 13.8% of that median gross pay. The single-adult living wage benchmark for the area is $22.65 per hour.

Highest-paying metropolitan areas for Risk Management Specialist

Metropolitan areaMedian annual wageVs this market
San Francisco-Oakland-Fremont, CA$167,440+61.0%
San Jose-Sunnyvale-Santa Clara, CA$166,240+59.9%
New York-Newark-Jersey City, NY-NJ$139,670+34.3%
Seattle-Tacoma-Bellevue, WA$134,330+29.2%
Charlotte-Concord-Gastonia, NC-SC$133,530+28.4%
Boston-Cambridge-Newton, MA-NH$132,580+27.5%
Bridgeport-Stamford-Danbury, CT$132,480+27.4%
Winston-Salem, NC$131,630+26.6%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD$130,880+25.9%
Washington-Arlington-Alexandria, DC-VA-MD-WV$126,510+21.7%

Top-paying occupations benchmarked in San Antonio-New Braunfels, TX

OccupationMedian annual wageMedian hourly
Chief Executives$256,610$123.37/hr
Architectural and Engineering Managers$168,650$81.08/hr
Computer and Information Systems Managers$163,490$78.60/hr
Financial Manager$144,710$69.57/hr
Physician Assistant$140,160$67.38/hr
Data Engineer$135,790$65.28/hr
Marketing Managers$131,800$63.37/hr
Nurse Practitioner$131,770$63.35/hr
Purchasing Managers$131,660$63.30/hr
Human Resources Managers$130,370$62.68/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 San Antonio-New Braunfels, TX Overview

Risk Management Specialist median pay in San Antonio-New Braunfels, TX is $103,990 a year ($50.00/hr). See take-home pay after 2026 taxes, BLS wage. Official 2026 economic data for Risk Management Specialist in San Antonio-New Braunfels, TX 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 San Antonio-New Braunfels, TX?

The median annual wage is $103,990 ($50.00 per hour). The middle 80% of earners make between $67,610 and $154,580. Source: BLS OEWS (May 2025).

What is the take-home pay for a Risk Management Specialist in San Antonio-New Braunfels, TX after taxes?

On the median wage of $103,990, a single filer with no pre-tax deductions takes home about $81,987 a year ($6,832 a month) after $22,003 in federal, FICA, state and local taxes, an effective rate of 21.16%, using 2026 tax rules.