Loan Officer Salary in Charlottesville, VA
Loan Officers in the Charlottesville, VA metro area earn a median $60,610 a year — 21% less than the national median. After 2026 taxes, that is $48,209 take-home, or $4,017 a month.
Take-home pay calculator
Pre-filled with the median loan officer salary in Charlottesville, VA. Enter your own offer to see your paycheck.
- Federal income tax$5,093
- Social Security (6.2%)$3,758
- Medicare (1.45%)$879
- Virginia income tax$2,671
- Take-home pay$48,209
Marginal rate: 12% federal + 5.75% state
Loan Officer pay by experience in Charlottesville, VA
| Percentile | Salary | Hourly | Take-home / yr | Per month |
|---|---|---|---|---|
| 10th percentile (entry level) | $38,380 | $18.45 | $31,626 | $2,635 |
| 25th percentile | $48,480 | $23.31 | $39,160 | $3,263 |
| Median (50th) | $60,610 | $29.14 | $48,209 | $4,017 |
| 75th percentile | $77,800 | $37.40 | $59,903 | $4,992 |
| 90th percentile (top earners) | $99,740 | $47.95 | $74,076 | $6,173 |
Wages: BLS Occupational Employment and Wage Statistics, May 2025. Take-home: single filer, Virginia resident, 2026 tax rules.
What $60,610 buys in Charlottesville, VA
Prices in Charlottesville, VA are 0.9% lower than the U.S. average (housing costs are 1.07× the national average). Adjusted for local prices, a median loan officer's $48,209 take-home pay has the buying power of $48,624 in a typical American city.
Rents: HUD Fair Market Rents, FY2026 (40th-percentile gross rent incl. utilities). Price levels: BEA Regional Price Parities, 2024.
Charlottesville, VA has 2.4× the national concentration of loan officer jobs — a strong local market for this occupation.
Best-paying cities for loan officers, adjusted for cost of living
Charlottesville, VA ranks #82 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 |
| 82 | Charlottesville, VA | $60,610 | $48,209 | $48,624 |
*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 Virginia
- Richmond, VA — $69,610
- Virginia Beach, VA — $64,080
Frequently asked questions
How much does a loan officer make in Charlottesville, VA?
The median loan officer salary in the Charlottesville, VA metro area is $60,610 a year, or about $29.14 an hour, according to the Bureau of Labor Statistics (May 2025). The middle half earn between $48,480 and $77,800.
What is a loan officer’s take-home pay in Charlottesville, VA?
On the median $60,610 salary, a single filer living in Virginia takes home about $48,209 a year ($4,017 a month) after federal tax, Social Security, Medicare and $2,671 in Virginia taxes in 2026.
Is Charlottesville, VA a good place to work as a loan officer?
Pay here is 21% below the national median of $76,690. Local prices are 0.9% below the U.S. average, so the take-home pay buys what $48,624 would in a typical U.S. city. Charlottesville, VA ranks #82 of 86 metro areas for cost-of-living-adjusted pay in this job.
Can a loan officer afford rent in Charlottesville, VA?
HUD’s fair market rent for a one-bedroom in Charlottesville, VA is $1,602 a month ($1,824 for two bedrooms) — 40% of a median loan officer’s monthly take-home pay. Financial planners usually suggest keeping rent under about 30%.
Related jobs in Charlottesville, VA
- Project Management Specialist — $97,680
- Management Analyst — $87,100
- Human Resources Specialist — $82,430
- Accountant and Auditor — $81,530
- Market Research Analyst and Marketing Specialist — $72,010
- Business Operations Specialists, All Other — $66,640