Financial Risk Specialists Salary
Financial Risk Specialists in Toledo, OH make a median of $82,930 a year, or about $39.87 an hour. The range runs from $49K at the entry level to $130K for experienced workers. Cost of living is below average (RPP 91.45), which stretches that salary to about $90,683 in buying power. Rent on a 2-bedroom averages $1,076/month, or 20.5% of estimated take-home pay.
So what does $83K get you in Toledo?
Groceries, utilities, transportation, and healthcare scaled from national averages by Toledo’s Regional Price Parity (91.45). 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 Toledo
Pay for financial risk specialists in Toledo runs about 29% below the U.S. median of $117K. Housing is manageable: a 2-bedroom at the HUD median costs $1,076/month, 19.8% of take-home, well inside the 30% guideline. Regional Price Parity sits at 91.45 (national = 100), meaning everyday costs run about 9% cheaper here. Your dollar stretches further than the headline salary suggests. Lower pay, lower costs, Toledo can be a reasonable trade-off for financial risk specialistss who value affordability over top-dollar markets.
Compared to nearby metros
Median pay for financial risk specialists in metros near Toledo, adjusted for local cost of living.
| Metro | Median pay | COL-adjusted |
|---|---|---|
| Columbus | $100K | $105K |
| Cincinnati | $93K | $98K |
| Cleveland | $94K | $100K |
| Akron | $97K | $104K |
COL-adjusted = median salary ÷ (BEA Regional Price Parity ÷ 100). Expresses purchasing power in national-average dollars.
Compensation breakdown
Annual earnings by percentile, Toledo, OH
Entry-level financial risk specialists (10th percentile) start around $49K. Mid-career wages sit at $83K. Top earners bring in $130K or more, a $80K 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
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 Toledo numbers change.
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Frequently asked questions
Can a financial risk specialist afford a 2BR apartment alone in Toledo?
Yes — at the median salary of $83K, rent takes 19.8% of take-home pay. A 2-bedroom at the HUD Fair Market Rent runs $1,076/month. That stays under the 30% guideline most financial planners use.
What’s the entry-level salary for financial risk specialists in Toledo?
The 10th-percentile wage — what new financial risk specialists typically earn — is $49K/year. Take-home on that works out to about $2,967/month. At HUD’s $1,076/month FMR, rent would take 36% 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 Toledo?
Local pay runs 29% below the national median — $83K here vs. $117K nationally. Cost of living is 9% below the national average, which narrows that gap in real purchasing power.
How does Toledo compare to the national average for financial risk specialists?
Toledo pays $83K median vs. the U.S. average of $117K — that’s -29%. After adjusting for local cost of living (RPP 91.45), the purchasing-power equivalent is $91K — below the national median.
How much do financial risk specialists make in Toledo, OH?
The median is $82,930 a year, that works out to about $40 an hour. But the range is wide: entry-level workers start around $49,450, and experienced financial risk specialists can clear $129,920. These are BLS numbers, based on employer-reported data, not self-reported surveys.
Is $83K enough to live in Toledo?
On that salary, you'd take home roughly $5,428/month after taxes. A 2-bedroom here rents for about $1,076/month, which eats 19.8% 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 Toledo?
Toledo has a Regional Price Parity of 91.45 (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 $90,683 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.