Personal Financial Advisors Salary
The median pay for a personal financial advisors in Las Cruces, NM is $72,990/year ($35.09/hour), per BLS data. The range runs from $38K at the entry level to $171K for experienced workers. Cost of living is below average (RPP 90.21), which stretches that salary to about $80,911 in buying power. Rent on a 2-bedroom averages $1,042/month, or 21.7% of estimated take-home pay.
So what does $73K get you in Las Cruces?
Groceries, utilities, transportation, and healthcare scaled from national averages by Las Cruces’s Regional Price Parity (90.21). 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 personal financial advisors
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What this looks like in Las Cruces
Pay for personal financial advisors in Las Cruces runs about 31% below the U.S. median of $105K. Housing is manageable: a 2-bedroom at the HUD median costs $1,042/month, 21.9% of take-home, well inside the 30% guideline. Regional Price Parity sits at 90.21 (national = 100), meaning everyday costs run about 10% cheaper here. Your dollar stretches further than the headline salary suggests. Lower pay, lower costs, Las Cruces can be a reasonable trade-off for personal financial advisorss who value affordability over top-dollar markets.
Compared to nearby metros
Median pay for personal financial advisors in metros near Las Cruces, adjusted for local cost of living.
| Metro | Median pay | COL-adjusted |
|---|---|---|
| Albuquerque | $96K | $100K |
| Santa Fe | $139K | $141K |
| Grand Junction | $104K | , |
| Colorado Springs | $72K | , |
COL-adjusted = median salary ÷ (BEA Regional Price Parity ÷ 100). Expresses purchasing power in national-average dollars.
Compensation breakdown
Annual earnings by percentile, Las Cruces, NM
Entry-level personal financial advisors (10th percentile) start around $38K. Mid-career wages sit at $73K. Top earners bring in $171K or more, a $133K spread from bottom to top.
Personal Financial Advisors pay across states
Median income ranked highest to lowest, compared to the national figure
View Personal Financial Advisors salary in all states
| State | Median salary | vs. national | Employment |
|---|---|---|---|
| New York | $166K | +58% | 21,550 |
| New Jersey | $159K | +51% | 9,300 |
| California | $130K | +24% | 32,200 |
| Connecticut | $130K | +23% | N/A |
| South Dakota | $129K | +23% | 620 |
| Massachusetts | $126K | +20% | N/A |
| Delaware | $125K | +19% | N/A |
| Oregon | $123K | +17% | 3,070 |
| Illinois | $120K | +14% | 9,760 |
| Wisconsin | $119K | +14% | 5,200 |
| Washington | $114K | +9% | 5,790 |
| Vermont | $110K | +5% | 520 |
| Pennsylvania | $105K | +0% | 12,200 |
| District of Columbia | $105K | -0% | 480 |
| Minnesota | $103K | -2% | 5,280 |
| Virginia | $103K | -2% | 6,340 |
| Kansas | $103K | -2% | 4,150 |
| Georgia | $101K | -3% | 6,830 |
| Florida | $101K | -4% | 21,490 |
| Missouri | $100K | -5% | 4,480 |
| Maryland | $100K | -5% | 5,260 |
| Texas | $99K | -6% | 18,200 |
| Montana | $97K | -7% | N/A |
| Arizona | $97K | -8% | 6,430 |
| North Carolina | $97K | -8% | 12,340 |
| New Hampshire | $97K | -8% | 1,850 |
| South Carolina | $96K | -8% | 2,400 |
| Idaho | $94K | -10% | 760 |
| New Mexico | $94K | -10% | 610 |
| Nebraska | $93K | -11% | 2,210 |
| Nevada | $93K | -12% | 1,730 |
| Iowa | $92K | -12% | 1,920 |
| Ohio | $91K | -13% | 7,680 |
| Colorado | $89K | -15% | 6,730 |
| Indiana | $88K | -17% | 5,400 |
| Tennessee | $84K | -20% | 3,970 |
| Rhode Island | $80K | -24% | 1,130 |
| West Virginia | $80K | -24% | 670 |
| Arkansas | $79K | -24% | 1,320 |
| Alaska | $79K | -25% | N/A |
| Alabama | $78K | -26% | 2,540 |
| Michigan | $78K | -26% | 6,570 |
| Wyoming | $77K | -26% | 310 |
| Utah | $77K | -26% | 2,520 |
| North Dakota | $77K | -27% | 540 |
| Hawaii | $76K | -28% | 550 |
| Oklahoma | $69K | -35% | 1,140 |
| Kentucky | $67K | -36% | 2,040 |
| Mississippi | $63K | -40% | 790 |
Showing 1–10 of 49 states with published data
BLS does not publish data for every state when sample sizes are too small
Track personal financial advisors salary changes
BLS updates this data quarterly. We'll email you when Las Cruces numbers change.
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Frequently asked questions
Can a personal financial advisor afford a 2BR apartment alone in Las Cruces?
Yes — at the median salary of $73K, rent takes 21.9% of take-home pay. A 2-bedroom at the HUD Fair Market Rent runs $1,042/month. That stays under the 30% guideline most financial planners use.
What’s the entry-level salary for personal financial advisors in Las Cruces?
The 10th-percentile wage — what new personal financial advisors typically earn — is $38K/year. Take-home on that works out to about $2,256/month. At HUD’s $1,042/month FMR, rent would take 46% of that take-home — above the 30% guideline, so a 1-bedroom or shared housing is likely necessary starting out.
Is personal financial advisor a high-paying job in Las Cruces?
Local pay runs 31% below the national median — $73K here vs. $105K nationally. Cost of living is 10% below the national average, which narrows that gap in real purchasing power.
How does Las Cruces compare to the national average for personal financial advisors?
Las Cruces pays $73K median vs. the U.S. average of $105K — that’s -31%. After adjusting for local cost of living (RPP 90.21), the purchasing-power equivalent is $81K — below the national median.
How much do personal financial advisors make in Las Cruces, NM?
The median is $72,990 a year, that works out to about $35 an hour. But the range is wide: entry-level workers start around $37,600, and experienced personal financial advisors can clear $170,910. These are BLS numbers, based on employer-reported data, not self-reported surveys.
Is $73K enough to live in Las Cruces?
On that salary, you'd take home roughly $4,763/month after taxes. A 2-bedroom here rents for about $1,042/month, which eats 21.9% of your paycheck. That's under the 30% guideline most financial planners use, so the numbers work.
How far does a personal financial advisors salary go in Las Cruces?
Las Cruces has a Regional Price Parity of 90.21 (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 personal financial advisors salary is worth about $80,911 in national-average purchasing power.
Where do personal financial advisors 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.