Loan Officers Salary
Loan Officers in Dayton-Kettering-Beavercreek, OH make a median of $66,070 a year, or about $31.76 an hour. The range runs from $34K at the entry level to $126K for experienced workers. Cost of living is below average (RPP 92.69), which stretches that salary to about $71,281 in buying power. Rent on a 2-bedroom averages $1,273/month, or 29.3% of estimated take-home pay.
So what does $66K get you in Dayton-Kettering-Beavercreek?
Groceries, utilities, transportation, and healthcare scaled from national averages by Dayton-Kettering-Beavercreek’s Regional Price Parity (92.69). 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 loan officers
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What this looks like in Dayton-Kettering-Beavercreek
Pay for loan officers in Dayton-Kettering-Beavercreek runs about 14% below the U.S. median of $77K. Rent runs $1,273/month for a 2-bedroom (HUD FMR), taking 28.4% of the median take-home. That's within the 30% rule, though not by much. Regional Price Parity sits at 92.69 (national = 100), meaning everyday costs run about 7% cheaper here. Your dollar stretches further than the headline salary suggests. Use the affordability calculator above to model your specific situation.
Compared to nearby metros
Median pay for loan officers in metros near Dayton-Kettering-Beavercreek, adjusted for local cost of living.
| Metro | Median pay | COL-adjusted |
|---|---|---|
| Columbus | $82K | $86K |
| Cincinnati | $75K | $79K |
| Cleveland | $78K | $83K |
| Toledo | $74K | $81K |
COL-adjusted = median salary ÷ (BEA Regional Price Parity ÷ 100). Expresses purchasing power in national-average dollars.
Compensation breakdown
Annual earnings by percentile, Dayton-Kettering-Beavercreek, OH
Entry-level loan officers (10th percentile) start around $34K. Mid-career wages sit at $66K. Top earners bring in $126K or more, a $92K spread from bottom to top.
Loan Officers pay across states
Median income ranked highest to lowest, compared to the national figure
View Loan Officers salary in all states
| State | Median salary | vs. national | Employment |
|---|---|---|---|
| Massachusetts | $102K | +32% | 4,470 |
| Connecticut | $96K | +25% | 2,220 |
| New York | $96K | +25% | 10,840 |
| Minnesota | $95K | +24% | 6,430 |
| Colorado | $95K | +23% | 3,230 |
| Oregon | $94K | +23% | 4,220 |
| New Jersey | $93K | +21% | 6,200 |
| District of Columbia | $93K | +21% | 370 |
| Vermont | $89K | +16% | 350 |
| Kansas | $87K | +13% | 3,540 |
| North Dakota | $85K | +10% | 1,370 |
| Iowa | $84K | +9% | 2,840 |
| Delaware | $83K | +8% | 1,420 |
| Maine | $82K | +7% | 1,060 |
| California | $82K | +7% | 25,790 |
| New Hampshire | $81K | +5% | 1,120 |
| Washington | $80K | +4% | 6,040 |
| South Dakota | $80K | +4% | 1,820 |
| Nebraska | $80K | +4% | 2,710 |
| Wyoming | $80K | +4% | 740 |
| Illinois | $79K | +3% | 10,890 |
| Virginia | $78K | +2% | 8,790 |
| Wisconsin | $78K | +2% | 4,940 |
| Rhode Island | $77K | +1% | 1,290 |
| Ohio | $76K | -0% | 9,880 |
| North Carolina | $76K | -1% | 10,700 |
| Michigan | $74K | -3% | 11,340 |
| Missouri | $74K | -4% | 7,050 |
| Maryland | $74K | -4% | 3,850 |
| Oklahoma | $73K | -5% | 4,100 |
| Indiana | $73K | -5% | 4,790 |
| Alaska | $73K | -5% | 490 |
| Montana | $72K | -7% | 1,180 |
| Florida | $71K | -7% | 18,830 |
| Idaho | $71K | -7% | 2,030 |
| Arkansas | $70K | -8% | 2,610 |
| Pennsylvania | $69K | -10% | 8,140 |
| Georgia | $68K | -11% | 9,540 |
| Alabama | $67K | -13% | 5,050 |
| Texas | $66K | -13% | 21,200 |
| Nevada | $65K | -16% | 2,580 |
| Hawaii | $64K | -17% | 980 |
| South Carolina | $63K | -18% | 4,140 |
| Tennessee | $63K | -18% | 6,510 |
| New Mexico | $63K | -18% | 1,140 |
| Arizona | $62K | -19% | 10,020 |
| Kentucky | $62K | -19% | 3,940 |
| Louisiana | $61K | -20% | 2,810 |
| Mississippi | $60K | -21% | 3,450 |
| Utah | $59K | -22% | 3,990 |
| West Virginia | $58K | -25% | 1,290 |
Showing 1–10 of 51 (all 50 states + DC)
Track loan officers salary changes
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Frequently asked questions
Can a loan officer afford a 2BR apartment alone in Dayton-Kettering-Beavercreek?
Yes — at the median salary of $66K, rent takes 28.4% of take-home pay. A 2-bedroom at the HUD Fair Market Rent runs $1,273/month. That stays under the 30% guideline most financial planners use.
What’s the entry-level salary for loan officers in Dayton-Kettering-Beavercreek?
The 10th-percentile wage — what new loan officers typically earn — is $34K/year. Take-home on that works out to about $2,048/month. At HUD’s $1,273/month FMR, rent would take 62% of that take-home — above the 30% guideline, so a 1-bedroom or shared housing is likely necessary starting out.
Is loan officer a high-paying job in Dayton-Kettering-Beavercreek?
Local pay runs 14% below the national median — $66K here vs. $77K nationally. Cost of living is 7% below the national average, which narrows that gap in real purchasing power.
How does Dayton-Kettering-Beavercreek compare to the national average for loan officers?
Dayton-Kettering-Beavercreek pays $66K median vs. the U.S. average of $77K — that’s -14%. After adjusting for local cost of living (RPP 92.69), the purchasing-power equivalent is $71K — below the national median.
How much do loan officers make in Dayton-Kettering-Beavercreek, OH?
The median is $66,070 a year, that works out to about $32 an hour. But the range is wide: entry-level workers start around $34,130, and experienced loan officers can clear $126,040. These are BLS numbers, based on employer-reported data, not self-reported surveys.
Is $66K enough to live in Dayton-Kettering-Beavercreek?
On that salary, you'd take home roughly $4,479/month after taxes. A 2-bedroom here rents for about $1,273/month, which eats 28.4% of your paycheck. That's under the 30% guideline most financial planners use, so the numbers work.
How far does a loan officers salary go in Dayton-Kettering-Beavercreek?
Dayton-Kettering-Beavercreek has a Regional Price Parity of 92.69 (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 loan officers salary is worth about $71,281 in national-average purchasing power.
Where do loan officers 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.