Loan Officers Salary
Loan Officers in Pensacola-Ferry Pass-Brent, FL make a median of $65,030 a year, or about $31.26 an hour. The range runs from $49K at the entry level to $104K for experienced workers. Adjusted for local prices (RPP 97.72), that's roughly $66,547 in purchasing power. A 2-bedroom apartment runs $1,471/month, about 32.6% of take-home, which is tight.
So what does $65K get you in Pensacola-Ferry Pass-Brent?
Groceries, utilities, transportation, and healthcare scaled from national averages by Pensacola-Ferry Pass-Brent’s Regional Price Parity (97.72). 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 Pensacola-Ferry Pass-Brent
Pay for loan officers in Pensacola-Ferry Pass-Brent runs about 15% below the U.S. median of $77K. Rent runs $1,471/month for a 2-bedroom (HUD FMR), taking 32.6% of the median take-home. That's within the 30% rule, though not by much. Cost of living (RPP 97.72) is near the national average, so spending patterns here track the typical American budget fairly closely. Use the affordability calculator above to model your specific situation.
Compared to nearby metros
Median pay for loan officers in metros near Pensacola-Ferry Pass-Brent, adjusted for local cost of living.
| Metro | Median pay | COL-adjusted |
|---|---|---|
| Miami-Fort Lauderdale-West Palm Beach | $72K | $63K |
| Tampa-St. Petersburg-Clearwater | $72K | $72K |
| Orlando-Kissimmee-Sanford | $67K | $67K |
| Jacksonville | $65K | $65K |
COL-adjusted = median salary ÷ (BEA Regional Price Parity ÷ 100). Expresses purchasing power in national-average dollars.
Compensation breakdown
Annual earnings by percentile, Pensacola-Ferry Pass-Brent, FL
Entry-level loan officers (10th percentile) start around $49K. Mid-career wages sit at $65K. Top earners bring in $104K or more, a $55K 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
BLS updates this data quarterly. We'll email you when Pensacola-Ferry Pass-Brent numbers change.
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Frequently asked questions
Can a loan officer afford a 2BR apartment alone in Pensacola-Ferry Pass-Brent?
It’s a stretch — at the median salary of $65K, rent takes 32.6% of take-home pay. A 2-bedroom at the HUD Fair Market Rent runs $1,471/month. The 30% guideline puts the comfortable ceiling at roughly $1,400/month in rent — so roommates or a 1-bedroom would ease the math significantly.
What’s the entry-level salary for loan officers in Pensacola-Ferry Pass-Brent?
The 10th-percentile wage — what new loan officers typically earn — is $49K/year. Take-home on that works out to about $2,918/month. At HUD’s $1,471/month FMR, rent would take 50% 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 Pensacola-Ferry Pass-Brent?
Local pay runs 15% below the national median — $65K here vs. $77K nationally.
How does Pensacola-Ferry Pass-Brent compare to the national average for loan officers?
Pensacola-Ferry Pass-Brent pays $65K median vs. the U.S. average of $77K — that’s -15%. After adjusting for local cost of living (RPP 97.72), the purchasing-power equivalent is $67K — below the national median.
How much do loan officers make in Pensacola-Ferry Pass-Brent, FL?
The median is $65,030 a year, that works out to about $31 an hour. But the range is wide: entry-level workers start around $48,640, and experienced loan officers can clear $103,640. These are BLS numbers, based on employer-reported data, not self-reported surveys.
Is $65K enough to live in Pensacola-Ferry Pass-Brent?
On that salary, you'd take home roughly $4,511/month after taxes. A 2-bedroom here rents for about $1,471/month, which eats 32.6% 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 loan officers salary go in Pensacola-Ferry Pass-Brent?
Pensacola-Ferry Pass-Brent has a Regional Price Parity of 97.72 (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 $66,547 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.