Financial Risk Specialists Salary
Financial Risk Specialists in Sacramento-Roseville-Folsom, CA make a median of $122,530 a year, or about $58.91 an hour. The range runs from $68K at the entry level to $177K for experienced workers. Prices run high here (RPP 106.67), so that salary is closer to $114,868 in real purchasing power. A 2-bedroom apartment runs $2,255/month, about 31.2% of take-home, which is tight.
So what does $123K get you in Sacramento-Roseville-Folsom?
Groceries, utilities, transportation, and healthcare scaled from national averages by Sacramento-Roseville-Folsom’s Regional Price Parity (106.67). Rent from HUD Fair Market Rents. Taxes estimated for single filer, standard deduction. * Healthcare is the employee-paid share only (premiums + out-of-pocket). Actual costs vary by coverage type: employer-sponsored, ACA marketplace, or uninsured.
About financial risk specialists
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What this looks like in Sacramento-Roseville-Folsom
Financial risk specialists pay in Sacramento-Roseville-Folsom tracks closely to the national median, $123K locally vs. $117K nationwide, a 4% difference. Rent runs $2,255/month for a 2-bedroom (HUD FMR), taking 31.1% of the median take-home. That's within the 30% rule, though not by much. Cost-of-living overall is 7% above the national average (BEA RPP 106.67), so groceries and services cost more too. Pay and costs are both near average, leaving limited margin for savings at the median wage.
Compared to nearby metros
Median pay for financial risk specialists in metros near Sacramento-Roseville-Folsom, adjusted for local cost of living.
| Metro | Median pay | COL-adjusted |
|---|---|---|
| Los Angeles-Long Beach-Anaheim | $113K | $100K |
| San Francisco-Oakland-Fremont | $167K | $145K |
| San Jose-Sunnyvale-Santa Clara | $166K | $151K |
| San Diego-Chula Vista-Carlsbad | $121K | $108K |
COL-adjusted = median salary ÷ (BEA Regional Price Parity ÷ 100). Expresses purchasing power in national-average dollars.
Compensation breakdown
Annual earnings by percentile, Sacramento-Roseville-Folsom, CA
Entry-level financial risk specialists (10th percentile) start around $68K. Mid-career wages sit at $123K. Top earners bring in $177K or more, a $108K spread from bottom to top.
Financial Risk Specialists pay across states
Median income ranked highest to lowest, compared to the national figure
View Financial Risk Specialists salary in all states
| State | Median salary | vs. national | Employment |
|---|---|---|---|
| New Hampshire | $158K | +35% | 300 |
| Maine | $141K | +20% | N/A |
| Delaware | $139K | +19% | 1,160 |
| New York | $137K | +17% | 12,060 |
| North Carolina | $132K | +13% | 3,200 |
| Massachusetts | $130K | +11% | 1,440 |
| New Jersey | $129K | +10% | 2,760 |
| California | $129K | +10% | 5,740 |
| Virginia | $127K | +8% | 1,770 |
| Washington | $123K | +5% | 900 |
| Colorado | $120K | +3% | 1,050 |
| Wyoming | $120K | +2% | 170 |
| Maryland | $117K | -0% | 890 |
| Connecticut | $114K | -3% | 660 |
| Oregon | $110K | -7% | 430 |
| Iowa | $106K | -10% | 530 |
| Minnesota | $105K | -10% | 1,190 |
| Rhode Island | $104K | -11% | 450 |
| Illinois | $104K | -11% | 2,920 |
| Michigan | $104K | -11% | 1,150 |
| Texas | $104K | -12% | 4,780 |
| Pennsylvania | $103K | -12% | 2,370 |
| Arizona | $103K | -12% | 1,700 |
| Montana | $101K | -14% | 50 |
| Missouri | $101K | -14% | 1,070 |
| Georgia | $101K | -14% | 2,180 |
| Nevada | $100K | -15% | 570 |
| Florida | $100K | -15% | 3,770 |
| South Carolina | $100K | -15% | 560 |
| Indiana | $99K | -15% | 380 |
| District of Columbia | $99K | -15% | 210 |
| Ohio | $99K | -16% | 2,110 |
| Wisconsin | $98K | -17% | 610 |
| Mississippi | $96K | -18% | 230 |
| West Virginia | $94K | -20% | 50 |
| Nebraska | $94K | -20% | 250 |
| Tennessee | $91K | -22% | 540 |
| Hawaii | $90K | -23% | 90 |
| New Mexico | $87K | -26% | 180 |
| Alaska | $85K | -27% | 50 |
| Oklahoma | $85K | -27% | 330 |
| Kansas | $85K | -28% | 150 |
| Alabama | $82K | -30% | 180 |
| South Dakota | $79K | -33% | 130 |
| Utah | $78K | -34% | 630 |
| Idaho | $77K | -34% | 270 |
| Kentucky | $75K | -36% | 500 |
| North Dakota | $75K | -36% | 90 |
| Arkansas | $66K | -44% | 150 |
| Louisiana | $58K | -50% | 520 |
Showing 1–10 of 50 states with published data
BLS does not publish data for every state when sample sizes are too small
Track financial risk specialists salary changes
BLS updates this data quarterly. We'll email you when Sacramento-Roseville-Folsom numbers change.
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Frequently asked questions
Can a financial risk specialist afford a 2BR apartment alone in Sacramento-Roseville-Folsom?
It’s a stretch — at the median salary of $123K, rent takes 31.1% of take-home pay. A 2-bedroom at the HUD Fair Market Rent runs $2,255/month. The 30% guideline puts the comfortable ceiling at roughly $2,200/month in rent — so roommates or a 1-bedroom would ease the math significantly.
What’s the entry-level salary for financial risk specialists in Sacramento-Roseville-Folsom?
The 10th-percentile wage — what new financial risk specialists typically earn — is $68K/year. Take-home on that works out to about $4,102/month. At HUD’s $2,255/month FMR, rent would take 55% of that take-home — above the 30% guideline, so a 1-bedroom or shared housing is likely necessary starting out.
Is financial risk specialist a high-paying job in Sacramento-Roseville-Folsom?
Pay here is roughly in line with the national average — $123K locally vs. $117K nationally, a 4% difference.
How does Sacramento-Roseville-Folsom compare to the national average for financial risk specialists?
Sacramento-Roseville-Folsom pays $123K median vs. the U.S. average of $117K — that’s +4%. After adjusting for local cost of living (RPP 106.67), the purchasing-power equivalent is $115K — below the national median.
How much do financial risk specialists make in Sacramento-Roseville-Folsom, CA?
The median is $122,530 a year, that works out to about $59 an hour. But the range is wide: entry-level workers start around $68,370, and experienced financial risk specialists can clear $176,600. These are BLS numbers, based on employer-reported data, not self-reported surveys.
Is $123K enough to live in Sacramento-Roseville-Folsom?
On that salary, you'd take home roughly $7,247/month after taxes. A 2-bedroom here rents for about $2,255/month, which eats 31.1% of your paycheck. That's above the 30% rule of thumb, housing will be a stretch at the median salary, though you can manage with roommates or a smaller place.
How far does a financial risk specialists salary go in Sacramento-Roseville-Folsom?
Sacramento-Roseville-Folsom has a Regional Price Parity of 106.67 (100 is the national average). Prices are above average here, so your dollar buys less than the same salary would in a cheaper metro. After cost-of-living adjustment, the median financial risk specialists salary is worth about $114,868 in national-average purchasing power.
Where do financial risk specialists get paid the most?
The table above ranks every state by median pay for this role. Keep in mind that the highest-paying states tend to have the highest costs of living, so the top salary doesn't always mean the most money in your pocket.