Financial Risk Specialists Salary
Financial Risk Specialists in Texas make a median of $103,760 a year, or about $49.88 an hour. The range runs from $64K at the entry level to $159K for experienced workers. Cost of living is below average (RPP 91.49), which stretches that salary to about $113,411 in buying power. Rent on a 2-bedroom averages $1,415/month, or 20.4% of estimated take-home pay.
Statewide average. Salary and cost of living vary significantly across Texas. Jump to a metro for precise data:
So what does $104K get you in Texas?
About financial risk specialists
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What this looks like in Texas
Pay for financial risk specialists in Texas runs about 12% below the U.S. median of $117K. Housing is manageable: a 2-bedroom at the HUD median costs $1,415/month, 20.9% of take-home, well inside the 30% guideline. Regional Price Parity sits at 91.49 (national = 100), meaning everyday costs run about 9% cheaper here. Your dollar stretches further than the headline salary suggests. Lower pay, lower costs, Texas can be a reasonable trade-off for financial risk specialistss who value affordability over top-dollar markets.
Compensation breakdown
Annual earnings by percentile, Texas
Entry-level financial risk specialists (10th percentile) start around $64K. Mid-career wages sit at $104K. Top earners bring in $159K or more, a $95K spread from bottom to top.
Financial Risk Specialists salary by metro in Texas
6 metro areas with BLS data, ranked by median pay
| Metro area | Median salary | vs. state | Employment |
|---|---|---|---|
| Austin-Round Rock-San Marcos | $108K | +4% | 430 |
| San Antonio-New Braunfels | $104K | +0% | 470 |
| Dallas-Fort Worth-Arlington | $104K | +0% | 2,320 |
| Houston-Pasadena-The Woodlands | $101K | -2% | 590 |
| El Paso | $90K | -13% | 30 |
| Lubbock | $63K | -39% | 30 |
Compare to other states
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Frequently asked questions
Can a financial risk specialist afford a 2BR apartment alone in Texas?
Yes — at the median salary of $104K, rent takes 20.9% of take-home pay. A 2-bedroom at the HUD Fair Market Rent runs $1,415/month. That stays under the 30% guideline most financial planners use.
What’s the entry-level salary for financial risk specialists in Texas?
The 10th-percentile wage — what new financial risk specialists typically earn — is $64K/year. Take-home on that works out to about $3,855/month. At HUD’s $1,415/month FMR, rent would take 37% 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 Texas?
Local pay runs 12% below the national median — $104K here vs. $117K nationally. Cost of living is 9% below the national average, which narrows that gap in real purchasing power.
How does Texas compare to the national average for financial risk specialists?
Texas pays $104K median vs. the U.S. average of $117K — that’s -12%. After adjusting for local cost of living (RPP 91.49), the purchasing-power equivalent is $113K — below the national median.
How much do financial risk specialists make in Texas?
The median is $103,760 a year, that works out to about $50 an hour. But the range is wide: entry-level workers start around $64,250, and experienced financial risk specialists can clear $159,220. These are BLS numbers, based on employer-reported data, not self-reported surveys.
Is $104K enough to live in Texas?
On that salary, you'd take home roughly $6,782/month after taxes. A 2-bedroom here rents for about $1,415/month, which eats 20.9% of your paycheck. That's under the 30% guideline most financial planners use, so the numbers work.
How far does a financial risk specialists salary go in Texas?
Texas has a Regional Price Parity of 91.49 (100 is the national average). That's below average, your money stretches further here than the raw salary number suggests. After cost-of-living adjustment, the median financial risk specialists salary is worth about $113,411 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.