Financial Risk Specialist Salary in Boston, MA
Financial Risk Specialists in the Boston-Cambridge-Newton, MA-NH metro area earn a median $132,580 a year — 13% more than the national median. After 2026 taxes, that is $95,475 take-home, or $7,956 a month.
Take-home pay calculator
Pre-filled with the median financial risk specialist salary in Boston, MA. Enter your own offer to see your paycheck.
- Federal income tax$20,553
- Social Security (6.2%)$8,220
- Medicare (1.45%)$1,922
- Massachusetts income tax$6,409
- Take-home pay$95,475
Marginal rate: 24% federal + 5.00% state
The Boston-Cambridge-Newton, MA-NH metro spans Massachusetts, New Hampshire. Pick the state you live in — state income tax follows your residence.
Financial Risk Specialist pay by experience in Boston, MA
| Percentile | Salary | Hourly | Take-home / yr | Per month |
|---|---|---|---|---|
| 10th percentile (entry level) | $77,940 | $37.47 | $59,984 | $4,999 |
| 25th percentile | $102,240 | $49.15 | $75,864 | $6,322 |
| Median (50th) | $132,580 | $63.74 | $95,475 | $7,956 |
| 75th percentile | $170,860 | $82.14 | $119,726 | $9,977 |
| 90th percentile (top earners) | $213,320 | $102.56 | $148,291 | $12,358 |
Wages: BLS Occupational Employment and Wage Statistics, May 2025. Take-home: single filer, Massachusetts resident, 2026 tax rules.
What $132,580 buys in Boston, MA
Prices in Boston, MA are 8.3% higher than the U.S. average (housing costs are 1.48× the national average). Adjusted for local prices, a median financial risk specialist's $95,475 take-home pay has the buying power of $88,186 in a typical American city.
Rents: HUD Fair Market Rents, FY2026 (40th-percentile gross rent incl. utilities). Price levels: BEA Regional Price Parities, 2024.
Financial Risk Specialist jobs are about as common in Boston, MA as in the U.S. overall (location quotient 1.01).
Best-paying cities for financial risk specialists, adjusted for cost of living
Boston, MA ranks #7 of 27 metro areas once taxes and local prices are taken into account.
| # | Metro area | Median salary | Take-home | Real value* |
|---|---|---|---|---|
| 1 | San Jose, CA | $166,240 | $111,499 | $100,975 |
| 2 | Charlotte, NC | $133,530 | $97,715 | $100,377 |
| 3 | San Francisco, CA | $167,440 | $112,192 | $97,041 |
| 4 | Philadelphia, PA | $130,880 | $96,704 | $94,296 |
| 5 | Seattle, WA | $134,330 | $103,081 | $92,754 |
| 6 | New York, NY | $139,670 | $99,530 | $88,422 |
| 7 | Boston, MA | $132,580 | $95,475 | $88,186 |
| 8 | San Antonio, TX | $103,990 | $81,987 | $86,561 |
*Take-home pay divided by the BEA price level, so every city is measured in U.S.-average dollars. See all 27 metros →
Frequently asked questions
How much does a financial risk specialist make in Boston, MA?
The median financial risk specialist salary in the Boston-Cambridge-Newton, MA-NH metro area is $132,580 a year, or about $63.74 an hour, according to the Bureau of Labor Statistics (May 2025). The middle half earn between $102,240 and $170,860.
What is a financial risk specialist’s take-home pay in Boston, MA?
On the median $132,580 salary, a single filer living in Massachusetts takes home about $95,475 a year ($7,956 a month) after federal tax, Social Security, Medicare and $6,409 in Massachusetts taxes in 2026.
Is Boston, MA a good place to work as a financial risk specialist?
Pay here is 13% above the national median of $117,330. Local prices are 8.3% above the U.S. average, so the take-home pay buys what $88,186 would in a typical U.S. city. Boston, MA ranks #7 of 27 metro areas for cost-of-living-adjusted pay in this job.
Can a financial risk specialist afford rent in Boston, MA?
HUD’s fair market rent for a one-bedroom in Boston, MA is $2,276 a month ($2,762 for two bedrooms) — 29% of a median financial risk specialist’s monthly take-home pay. Financial planners usually suggest keeping rent under about 30%.
Related jobs in Boston, MA
- Management Analyst — $135,640
- Labor Relations Specialist — $118,520
- Financial and Investment Analyst — $117,520
- Project Management Specialist — $114,990
- Insurance Underwriter — $106,170
- Financial Examiner — $105,230
- Compliance Officer — $103,940
- Loan Officer — $103,400
- Cost Estimator — $102,640
- Market Research Analyst and Marketing Specialist — $102,390
- Credit Analyst — $101,890
- Logistician — $101,540