Loan Officers Salary in Panama City-Panama City Beach, FL
Loan Officers in Panama City-Panama City Beach, FL make a median of $64,740 a year, or about $31.12 an hour. The range runs from $36K at the entry level to $137K for experienced workers. Adjusted for local prices (RPP 97.3), that's roughly $66,536 in purchasing power. Rent on a 2-bedroom averages $1,017/month, or 22.6% of estimated take-home pay.
So what does $65K get you in Panama City-Panama City Beach?
Groceries, utilities, transportation, and healthcare scaled from national averages by Panama City-Panama City Beach’s Regional Price Parity (97.3). 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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Compensation breakdown
Annual earnings by percentile, Panama City-Panama City Beach, FL
Entry-level loan officers (10th percentile) start around $36K. Mid-career wages sit at $65K. Top earners bring in $137K or more, a $101K spread from bottom to top.
Loan Officers pay across states
Median income ranked highest to lowest, compared to the national figure
| State | Median salary | vs. national | Employment |
|---|---|---|---|
| District of Columbia | $102K | +38% | 420 |
| New York | $99K | +33% | 11,850 |
| New Jersey | $95K | +28% | 5,690 |
| Massachusetts | $93K | +26% | 4,310 |
| Vermont | $86K | +17% | 440 |
| Minnesota | $84K | +14% | 6,950 |
| North Dakota | $83K | +12% | 1,370 |
| Kansas | $83K | +11% | 3,950 |
| Delaware | $81K | +9% | 1,480 |
| Iowa | $80K | +8% | 3,350 |
| Virginia | $80K | +7% | 9,170 |
| California | $80K | +7% | 27,420 |
| Wisconsin | $79K | +7% | 5,020 |
| New Hampshire | $79K | +6% | 1,190 |
| South Dakota | $79K | +6% | 1,930 |
| Maine | $78K | +5% | 1,170 |
| Connecticut | $78K | +5% | 2,680 |
| Rhode Island | $77K | +4% | 1,560 |
| Washington | $77K | +4% | 6,480 |
| Wyoming | $76K | +3% | 750 |
| Illinois | $76K | +2% | 10,330 |
| North Carolina | $76K | +2% | 11,890 |
| Nebraska | $76K | +2% | 2,730 |
| Oregon | $75K | +1% | 3,810 |
| Maryland | $73K | -1% | 3,990 |
| Missouri | $73K | -2% | 7,000 |
| New Mexico | $73K | -2% | 970 |
| Michigan | $73K | -2% | 10,910 |
| Georgia | $72K | -3% | 9,480 |
| Indiana | $71K | -4% | 4,740 |
| Florida | $71K | -4% | 19,750 |
| Hawaii | $70K | -5% | 960 |
| Arkansas | $70K | -6% | 2,810 |
| Ohio | $69K | -7% | 10,340 |
| Kentucky | $69K | -8% | 3,990 |
| Montana | $66K | -11% | 1,390 |
| Oklahoma | $66K | -11% | 4,530 |
| Alaska | $65K | -12% | 510 |
| Idaho | $64K | -13% | 2,290 |
| Texas | $64K | -14% | 24,070 |
| Tennessee | $63K | -15% | 7,610 |
| South Carolina | $62K | -17% | 4,280 |
| Pennsylvania | $61K | -17% | 8,820 |
| Utah | $61K | -18% | 5,590 |
| Alabama | $61K | -18% | 5,680 |
| Mississippi | $60K | -19% | 2,770 |
| Nevada | $58K | -21% | 2,960 |
| Louisiana | $57K | -23% | 3,010 |
| Arizona | $54K | -28% | 11,420 |
| West Virginia | $50K | -33% | 1,300 |
Showing 1–10 of 50 states
BLS does not publish data for every state when sample sizes are too small
Track loan officers salary changes
BLS updates this data quarterly. We'll email you when Panama City-Panama City Beach numbers change.
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Frequently asked questions
How much do loan officers make in Panama City-Panama City Beach, FL?
The median is $64,740 a year, that works out to about $31 an hour. But the range is wide: entry-level workers start around $35,570, and experienced loan officers can clear $136,630. These are BLS numbers, based on employer-reported data, not self-reported surveys.
Is $65K enough to live in Panama City-Panama City Beach?
On that salary, you'd take home roughly $4,494/month after taxes. A 2-bedroom here rents for about $1,017/month, which eats 22.6% 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 Panama City-Panama City Beach?
Panama City-Panama City Beach has a Regional Price Parity of 97.3 (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 $66,536 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.