SOC 13-2054

Risk Management Specialist Salary in St. Louis, MO-IL (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 + MO + Municipal
COL Index: 102.33 (+2.3% vs US)
Net Compensation Yield 70.3% Realized
$68,847 / net annual direct deposit
Gross Adjusted $97,920 $47.08/hr
Effective Tax Drag 23.69% Combined Jurisdictions
Marginal Top Bracket 22% Federal Statutory
Total Withheld -$23,198 $892.24/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 $47.08 / hour
0 hrs/wk (+$0/yr)
0 hrs (Standard) 10 hrs OT 20 hrs OT 25 hrs Max
6% (-$5,875/yr)
0% Tax Shield: ~$1,293/yr 15% (IRS limit: $24,500)
Itemized Statutory Withholdings Ledger
Federal Income Tax (IRS)
Progressive 10%–37%
-$11,420
Social Security (FICA OASDI)
Statutory 6.20% (Cap $184,500)
-$6,071
Medicare Hospital Insurance
Statutory 1.45%
-$1,420
Missouri Individual Income Tax
State Marginal Bracket
-$3,308
St. Louis earnings tax
1.00%
-$979
Net Take-Home Annual Realized
$68,847 ($2,647.95 / check)
Category 2 of 6

St. Louis, MO-IL Risk Management Specialist Wage Distribution

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

Your Salary: $97,920
MIDDLE 50% (IQR RANGE) 10th $59.4k 25th $67.2k Median: $97,920 50th (Median) $97.9k 75th $127k 90th $158k You: $97,920
10th (Entry) $59,420 $28.57/hr
25th (Junior) $67,160 $32.29/hr
50th (Median) $97,920 $47.08/hr
75th (Senior) $127,470 $61.28/hr
90th (Lead/Master) $158,250 $76.08/hr
Career Progression & Licensing Milestones for Risk Management Specialist in St. Louis, MO-IL
1
Junior Risk AnalystFinancial modeling, risk metric calculations (VaR), portfolio analysis
$60,089$28.89/hr · 0-2 Years
2
Risk Management SpecialistCredit risk, market risk modeling, regulatory reporting (Basel/Dodd-Frank)
$90,133$43.33/hr · 2-5 Years
3
Senior Risk ManagerEnterprise risk frameworks, capital stress testing, counterparty hedging
$121,847$58.58/hr · 5-8 Years
4
Head of Risk GovernanceBoard risk committee reporting, institutional risk appetite governance
$156,899$75.43/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 St. Louis, MO-IL 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) $1,104/month Requires minimum annual gross of $44,160
HUD Fair Market Rent (2-Bedroom) $1,349/month Requires minimum annual gross of $53,960
Hourly Living Wage Benchmark (EPI model)
1 Adult Earner: $22.63/hr
Per adult, 2 working adults + 1 child: $21.07/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 St. Louis, MO-IL.

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$97,920-$23,198$68,847$2,647.95
+5h Overtime/Wk45 hrs$116,280-$29,439$79,864$3,071.70
+10h Overtime/Wk50 hrs$134,640-$35,766$90,795$3,492.13
+15h Overtime/Wk55 hrs$153,000-$42,308$101,512$3,904.33
+20h Overtime/Wk60 hrs$171,360-$48,849$112,230$4,316.52
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 St. Louis, MO-IL: Compensation & Purchasing Power Briefing (2026)

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

Market Baseline
$97,920/yr
$47.08/hr · SOC 13-2054
Statutory Tax Drag
23.69% Effective
-$23,198 in Total Taxes
HUD 1BR Shelter Ratio
19% Net Pay
✓ Passes 30% HUD Rule
Monthly Discretionary
+$4,633/mo
Post-$1,104/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 St. Louis, MO-IL: Market Snapshot

Risk Management Specialist roles in St. Louis, MO-IL report a median annual wage of $97,920, 16.5% below the national median of $117,330. The 10th to 90th percentile band runs from $59,420 to $158,250, and HUD’s $1,104 monthly one-bedroom fair market rent equals 13.5% of that median gross pay. The single-adult living wage benchmark for the area is $22.63 per hour.

Highest-paying metropolitan areas for Risk Management Specialist

Metropolitan areaMedian annual wageVs this market
San Francisco-Oakland-Fremont, CA$167,440+71.0%
San Jose-Sunnyvale-Santa Clara, CA$166,240+69.8%
New York-Newark-Jersey City, NY-NJ$139,670+42.6%
Seattle-Tacoma-Bellevue, WA$134,330+37.2%
Charlotte-Concord-Gastonia, NC-SC$133,530+36.4%
Boston-Cambridge-Newton, MA-NH$132,580+35.4%
Bridgeport-Stamford-Danbury, CT$132,480+35.3%
Winston-Salem, NC$131,630+34.4%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD$130,880+33.7%
Washington-Arlington-Alexandria, DC-VA-MD-WV$126,510+29.2%

Top-paying occupations benchmarked in St. Louis, MO-IL

OccupationMedian annual wageMedian hourly
Chief Executives$202,840$97.52/hr
Computer and Information Systems Managers$167,130$80.35/hr
Architectural and Engineering Managers$162,660$78.20/hr
Natural Sciences Managers$158,820$76.36/hr
Financial Manager$158,780$76.34/hr
Marketing Managers$137,900$66.30/hr
Physician Assistant$136,120$65.44/hr
Purchasing Managers$135,400$65.10/hr
Human Resources Managers$133,880$64.37/hr
Nurse Practitioner$131,580$63.26/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 St. Louis, MO-IL (2026) Overview

Risk Management Specialist median pay in St. Louis, MO-IL is $97,920 a year ($47.08/hr). See take-home pay after 2026 taxes, BLS wage percentiles, HUD rents. Official 2026 economic data for Risk Management Specialist in St. Louis, MO-IL 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 St. Louis, MO-IL?

The median annual wage is $97,920 ($47.08 per hour). The middle 80% of earners make between $59,420 and $158,250. Source: BLS OEWS (May 2025).

What is the take-home pay for a Risk Management Specialist in St. Louis, MO-IL after taxes?

On the median wage of $97,920, a single filer with no pre-tax deductions takes home about $73,162 a year ($6,097 a month) after $24,758 in federal, FICA, state and local taxes, an effective rate of 25.28%, using 2026 tax rules.