SOC 13-2054

Risk Management Specialist Salary in Tampa-St. Petersburg, FL (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 + FL
COL Index: 124.55 (+24.5% vs US)
Net Compensation Yield 74.6% Realized
$73,725 / net annual direct deposit
Gross Adjusted $98,820 $47.51/hr
Effective Tax Drag 19.39% Combined Jurisdictions
Marginal Top Bracket 22% Federal Statutory
Total Withheld -$19,166 $737.14/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 $47.51 / hour
0 hrs/wk (+$0/yr)
0 hrs (Standard) 10 hrs OT 20 hrs OT 25 hrs Max
6% (-$5,929/yr)
0% Tax Shield: ~$1,304/yr 15% (IRS limit: $24,500)
Itemized Statutory Withholdings Ledger
Federal Income Tax (IRS)
Progressive 10%–37%
-$11,606
Social Security (FICA OASDI)
Statutory 6.20% (Cap $184,500)
-$6,127
Medicare Hospital Insurance
Statutory 1.45%
-$1,433
Florida Individual Income Tax
State Marginal Bracket
-$0
Net Take-Home Annual Realized
$73,725 ($2,835.58 / check)
Category 2 of 6

Tampa-St. Petersburg-Clearwater, FL Risk Management Specialist Wage Distribution

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

Your Salary: $98,820
MIDDLE 50% (IQR RANGE) 10th $49.7k 25th $74.5k Median: $98,820 50th (Median) $98.8k 75th $136k 90th $168k You: $98,820
10th (Entry) $49,740 $23.91/hr
25th (Junior) $74,530 $35.83/hr
50th (Median) $98,820 $47.51/hr
75th (Senior) $135,880 $65.33/hr
90th (Lead/Master) $168,460 $80.99/hr
Career Progression & Licensing Milestones for Risk Management Specialist in Tampa-St. Petersburg-Clearwater, FL
1
Junior Risk AnalystFinancial modeling, risk metric calculations (VaR), portfolio analysis
$60,641$29.15/hr · 0-2 Years
2
Risk Management SpecialistCredit risk, market risk modeling, regulatory reporting (Basel/Dodd-Frank)
$90,962$43.73/hr · 2-5 Years
3
Senior Risk ManagerEnterprise risk frameworks, capital stress testing, counterparty hedging
$122,967$59.12/hr · 5-8 Years
4
Head of Risk GovernanceBoard risk committee reporting, institutional risk appetite governance
$158,341$76.13/hr · 8+ Years
Scaled to the Tampa-St. Petersburg-Clearwater, FL 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 Tampa-St. Petersburg-Clearwater, FL under the HUD 30% housing cost guideline.

Rent-to-Take-Home Ratio (HUD 30% Standard)
27% of Net Income
✓ Passes 30% Housing Affordability Standard
HUD Fair Market Rent (1-Bedroom) $1,648/month Requires minimum annual gross of $65,920
HUD Fair Market Rent (2-Bedroom) $1,917/month Requires minimum annual gross of $76,680
Hourly Living Wage Benchmark (EPI model)
1 Adult Earner: $27.54/hr
Per adult, 2 working adults + 1 child: $23.42/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 Tampa-St. Petersburg-Clearwater, FL.

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$98,820-$19,166$73,725$2,835.58
+5h Overtime/Wk45 hrs$117,349-$24,415$85,893$3,303.57
+10h Overtime/Wk50 hrs$135,878-$29,783$97,942$3,767.01
+15h Overtime/Wk55 hrs$154,406-$35,380$109,762$4,221.61
+20h Overtime/Wk60 hrs$172,935-$40,978$121,581$4,676.20
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 Tampa-St. Petersburg-Clearwater, FL: Compensation & Purchasing Power Briefing (2026)

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

Market Baseline
$98,820/yr
$47.51/hr · SOC 13-2054
Statutory Tax Drag
19.39% Effective
-$19,166 in Total Taxes
HUD 1BR Shelter Ratio
27% Net Pay
✓ Passes 30% HUD Rule
Monthly Discretionary
+$4,496/mo
Post-$1,648/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 Tampa-St. Petersburg-Clearwater, FL: Market Snapshot

Risk Management Specialist roles in Tampa-St. Petersburg-Clearwater, FL report a median annual wage of $98,820, 15.8% below the national median of $117,330. The 10th to 90th percentile band runs from $49,740 to $168,460, and HUD’s $1,648 monthly one-bedroom fair market rent equals 20.0% of that median gross pay. The single-adult living wage benchmark for the area is $27.54 per hour.

Highest-paying metropolitan areas for Risk Management Specialist

Metropolitan areaMedian annual wageVs this market
San Francisco-Oakland-Fremont, CA$167,440+69.4%
San Jose-Sunnyvale-Santa Clara, CA$166,240+68.2%
New York-Newark-Jersey City, NY-NJ$139,670+41.3%
Seattle-Tacoma-Bellevue, WA$134,330+35.9%
Charlotte-Concord-Gastonia, NC-SC$133,530+35.1%
Boston-Cambridge-Newton, MA-NH$132,580+34.2%
Bridgeport-Stamford-Danbury, CT$132,480+34.1%
Winston-Salem, NC$131,630+33.2%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD$130,880+32.4%
Washington-Arlington-Alexandria, DC-VA-MD-WV$126,510+28.0%

Top-paying occupations benchmarked in Tampa-St. Petersburg-Clearwater, FL

OccupationMedian annual wageMedian hourly
Architectural and Engineering Managers$169,310$81.40/hr
Computer and Information Systems Managers$168,470$81.00/hr
Marketing Managers$159,990$76.92/hr
Financial Manager$157,480$75.71/hr
Human Resources Managers$140,400$67.50/hr
Purchasing Managers$139,430$67.03/hr
Data Engineer$133,290$64.08/hr
Public Relations Managers$132,340$63.62/hr
Sales Managers$132,010$63.47/hr
Software Engineer$130,450$62.72/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 Tampa-St. Petersburg, FL (2026) Overview

Risk Management Specialist median pay in Tampa-St. Petersburg-Clearwater, FL is $98,820 a year ($47.51/hr). See take-home pay after 2026 taxes, BLS wage. Official 2026 economic data for Risk Management Specialist in Tampa-St. Petersburg-Clearwater, FL 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 Tampa-St. Petersburg-Clearwater, FL?

The median annual wage is $98,820 ($47.51 per hour). The middle 80% of earners make between $49,740 and $168,460. Source: BLS OEWS (May 2025).

What is the take-home pay for a Risk Management Specialist in Tampa-St. Petersburg-Clearwater, FL after taxes?

On the median wage of $98,820, a single filer with no pre-tax deductions takes home about $78,350 a year ($6,529 a month) after $20,470 in federal, FICA, state and local taxes, an effective rate of 20.71%, using 2026 tax rules.