Loan Officer Salary in Cincinnati, OH
Loan Officers in the Cincinnati, OH-KY-IN metro area earn a median $75,300 a year — 2% less than the national median. After 2026 taxes, that is $60,515 take-home, or $5,043 a month.
Take-home pay calculator
Pre-filled with the median loan officer salary in Cincinnati, OH. Enter your own offer to see your paycheck.
- Federal income tax$7,736
- Social Security (6.2%)$4,669
- Medicare (1.45%)$1,092
- Ohio income tax$1,288
- Take-home pay$60,515
Marginal rate: 22% federal + 2.75% state
The Cincinnati, OH-KY-IN metro spans Ohio, Kentucky, Indiana. Pick the state you live in — state income tax follows your residence.
Loan Officer pay by experience in Cincinnati, OH
| Percentile | Salary | Hourly | Take-home / yr | Per month |
|---|---|---|---|---|
| 10th percentile (entry level) | $42,290 | $20.33 | $35,779 | $2,982 |
| 25th percentile | $52,550 | $25.26 | $43,741 | $3,645 |
| Median (50th) | $75,300 | $36.20 | $60,515 | $5,043 |
| 75th percentile | $105,000 | $50.48 | $80,592 | $6,716 |
| 90th percentile (top earners) | $130,670 | $62.82 | $97,768 | $8,147 |
Wages: BLS Occupational Employment and Wage Statistics, May 2025. Take-home: single filer, Ohio resident, 2026 tax rules.
What $75,300 buys in Cincinnati, OH
Prices in Cincinnati, OH are 4.6% lower than the U.S. average (housing costs are 12% below the national average). Adjusted for local prices, a median loan officer's $60,515 take-home pay has the buying power of $63,453 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 Cincinnati, OH as in the U.S. overall (location quotient 1.06).
Best-paying cities for loan officers, adjusted for cost of living
Cincinnati, OH ranks #24 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 |
| 24 | Cincinnati, OH | $75,300 | $60,515 | $63,453 |
*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 Ohio
- Columbus, OH — $82,160
- Cleveland, OH — $77,730
- Dayton, OH — $66,070
Frequently asked questions
How much does a loan officer make in Cincinnati, OH?
The median loan officer salary in the Cincinnati, OH-KY-IN metro area is $75,300 a year, or about $36.20 an hour, according to the Bureau of Labor Statistics (May 2025). The middle half earn between $52,550 and $105,000.
What is a loan officer’s take-home pay in Cincinnati, OH?
On the median $75,300 salary, a single filer living in Ohio takes home about $60,515 a year ($5,043 a month) after federal tax, Social Security, Medicare and $1,288 in Ohio taxes in 2026.
Is Cincinnati, OH a good place to work as a loan officer?
Pay here is 2% below the national median of $76,690. Local prices are 4.6% below the U.S. average, so the take-home pay buys what $63,453 would in a typical U.S. city. Cincinnati, OH ranks #24 of 86 metro areas for cost-of-living-adjusted pay in this job.
Can a loan officer afford rent in Cincinnati, OH?
HUD’s fair market rent for a one-bedroom in Cincinnati, OH is $1,043 a month ($1,342 for two bedrooms) — 21% of a median loan officer’s monthly take-home pay. Financial planners usually suggest keeping rent under about 30%.
Related jobs in Cincinnati, OH
- Management Analyst — $97,360
- Project Management Specialist — $95,380
- Labor Relations Specialist — $95,350
- Financial and Investment Analyst — $86,040
- Insurance Underwriter — $82,110
- Accountant and Auditor — $80,640
- Personal Financial Advisor — $80,540
- Logistician — $79,990
- Financial Specialists, All Other — $79,580
- Compliance Officer — $79,310
- Cost Estimator — $79,130
- Financial Examiner — $78,310