Loan Officer Salary in Austin, TX
Loan Officers in the Austin-Round Rock-San Marcos, TX metro area earn a median $59,210 a year — 23% less than the national median. After 2026 taxes, that is $49,755 take-home, or $4,146 a month.
Take-home pay calculator
Pre-filled with the median loan officer salary in Austin, TX. Enter your own offer to see your paycheck.
- Federal income tax$4,925
- Social Security (6.2%)$3,671
- Medicare (1.45%)$859
- Texas income tax$0
- Take-home pay$49,755
Marginal rate: 12% federal + 0.00% state
Loan Officer pay by experience in Austin, TX
| Percentile | Salary | Hourly | Take-home / yr | Per month |
|---|---|---|---|---|
| 10th percentile (entry level) | $22,330 | $10.74 | $19,999 | $1,667 |
| 25th percentile | $36,530 | $17.56 | $31,532 | $2,628 |
| Median (50th) | $59,210 | $28.47 | $49,755 | $4,146 |
| 75th percentile | $86,240 | $41.46 | $69,500 | $5,792 |
| 90th percentile (top earners) | $140,600 | $67.60 | $107,366 | $8,947 |
Wages: BLS Occupational Employment and Wage Statistics, May 2025. Take-home: single filer, Texas resident, 2026 tax rules.
What $59,210 buys in Austin, TX
Prices in Austin, TX are 1.9% lower than the U.S. average (housing costs are 1.20× the national average). Adjusted for local prices, a median loan officer's $49,755 take-home pay has the buying power of $50,736 in a typical American city.
Rents: HUD Fair Market Rents, FY2026 (40th-percentile gross rent incl. utilities). Price levels: BEA Regional Price Parities, 2024.
Loan Officer jobs are about as common in Austin, TX as in the U.S. overall (location quotient 0.83).
Best-paying cities for loan officers, adjusted for cost of living
Austin, TX ranks #79 of 86 metro areas once taxes and local prices are taken into account.
| # | Metro area | Median salary | Take-home | Real value* |
|---|---|---|---|---|
| 1 | Des Moines, IA | $101,190 | $76,824 | $83,776 |
| 2 | Wichita, KS | $99,170 | $73,862 | $83,042 |
| 3 | Sioux Falls, SD | $81,380 | $66,081 | $72,912 |
| 4 | Bridgeport, CT | $103,850 | $77,752 | $72,758 |
| 5 | Minneapolis, MN | $102,200 | $75,301 | $71,837 |
| 6 | Denver, CO | $100,130 | $75,574 | $71,443 |
| 7 | Fayetteville, AR | $84,200 | $64,994 | $71,146 |
| 8 | Columbia, MO | $81,850 | $63,502 | $71,001 |
| 79 | Austin, TX | $59,210 | $49,755 | $50,736 |
*Take-home pay divided by the BEA price level, so every city is measured in U.S.-average dollars. See all 86 metros →
Loan Officer salaries elsewhere in Texas
- Dallas, TX — $73,930
- San Antonio, TX — $66,810
- Houston, TX — $67,560
Frequently asked questions
How much does a loan officer make in Austin, TX?
The median loan officer salary in the Austin-Round Rock-San Marcos, TX metro area is $59,210 a year, or about $28.47 an hour, according to the Bureau of Labor Statistics (May 2025). The middle half earn between $36,530 and $86,240.
What is a loan officer’s take-home pay in Austin, TX?
On the median $59,210 salary, a single filer living in Texas takes home about $49,755 a year ($4,146 a month) after federal tax, Social Security, Medicare in 2026.
Is Austin, TX a good place to work as a loan officer?
Pay here is 23% below the national median of $76,690. Local prices are 1.9% below the U.S. average, so the take-home pay buys what $50,736 would in a typical U.S. city. Austin, TX ranks #79 of 86 metro areas for cost-of-living-adjusted pay in this job.
Can a loan officer afford rent in Austin, TX?
HUD’s fair market rent for a one-bedroom in Austin, TX is $1,562 a month ($1,852 for two bedrooms) — 38% of a median loan officer’s monthly take-home pay. Financial planners usually suggest keeping rent under about 30%.
Related jobs in Austin, TX
- Management Analyst — $106,600
- Project Management Specialist — $102,390
- Financial and Investment Analyst — $101,530
- Personal Financial Advisor — $95,990
- Accountant and Auditor — $83,120
- Budget Analyst — $81,720
- Market Research Analyst and Marketing Specialist — $80,460
- Business Operations Specialists, All Other — $79,490
- Cost Estimator — $78,650
- Logistician — $78,460
- Buyer and Purchasing Agent — $77,150
- Insurance Underwriter — $75,910