Loan Officer Salary in Houston, TX
Loan Officers in the Houston-Pasadena-The Woodlands, TX metro area earn a median $67,560 a year — 12% less than the national median. After 2026 taxes, that is $56,358 take-home, or $4,697 a month.
Take-home pay calculator
Pre-filled with the median loan officer salary in Houston, TX. Enter your own offer to see your paycheck.
- Federal income tax$6,033
- Social Security (6.2%)$4,189
- Medicare (1.45%)$980
- Texas income tax$0
- Take-home pay$56,358
Marginal rate: 22% federal + 0.00% state
Got an offer somewhere else? Compare it with this one after taxes and rent →
Loan Officer pay by experience in Houston, TX
| Percentile | Salary | Hourly | Take-home / yr | Per month |
|---|---|---|---|---|
| 10th percentile (entry level) | $26,160 | $12.58 | $23,153 | $1,929 |
| 25th percentile | $48,730 | $23.43 | $41,335 | $3,445 |
| Median (50th) | $67,560 | $32.48 | $56,358 | $4,697 |
| 75th percentile | $98,950 | $47.57 | $78,441 | $6,537 |
| 90th percentile (top earners) | $172,540 | $82.95 | $129,197 | $10,766 |
Wages: BLS Occupational Employment and Wage Statistics, May 2025. Take-home: single filer, Texas resident, 2026 tax rules.
What $67,560 buys in Houston, TX
Prices in Houston, TX are 1.4% lower than the U.S. average (housing costs are 1.05× the national average). Adjusted for local prices, a median loan officer's $56,358 take-home pay has the buying power of $57,142 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 less concentrated in Houston, TX than nationally (location quotient 0.59), so openings may be scarcer.
Best-paying cities for loan officers, adjusted for cost of living
Houston, TX ranks #17 of 21 metro areas once taxes and local prices are taken into account.
| # | Metro area | Median salary | Take-home | Real value* |
|---|---|---|---|---|
| 1 | Minneapolis, MN | $102,200 | $75,301 | $71,837 |
| 2 | Boston, MA | $103,400 | $76,622 | $70,772 |
| 3 | Columbus, OH | $82,160 | $65,153 | $68,245 |
| 4 | New York, NY | $101,570 | $75,332 | $66,924 |
| 5 | Washington, DC | $97,800 | $72,288 | $66,390 |
| 6 | Portland, OR | $96,100 | $68,857 | $65,316 |
| 7 | San Francisco, CA | $103,000 | $74,602 | $64,527 |
| 8 | Charlotte, NC | $78,200 | $61,232 | $62,900 |
| 17 | Houston, TX | $67,560 | $56,358 | $57,142 |
*Take-home pay divided by the BEA price level, so every city is measured in U.S.-average dollars. See all 21 metros →
About the job: loan officers
Evaluate, authorize, or recommend approval of commercial, real estate, or credit loans. Advise borrowers on financial status and payment methods.
- Typical education
- Bachelor's degree
- Work experience
- Less than 5 years
- On-the-job training
- Moderate-term on-the-job training
- Job outlook, 2025–35
- +1.1% (slower than average)
Source: BLS Standard Occupational Classification and Employment Projections, 2025–35.
Loan Officer salaries elsewhere in Texas
- Dallas, TX — $73,930
Frequently asked questions
How much does a loan officer make in Houston, TX?
The median loan officer salary in the Houston-Pasadena-The Woodlands, TX metro area is $67,560 a year, or about $32.48 an hour, according to the Bureau of Labor Statistics (May 2025). The middle half earn between $48,730 and $98,950.
What is a loan officer’s take-home pay in Houston, TX?
On the median $67,560 salary, a single filer living in Texas takes home about $56,358 a year ($4,697 a month) after federal tax, Social Security, Medicare in 2026.
Is Houston, TX a good place to work as a loan officer?
Pay here is 12% below the national median of $76,690. Local prices are 1.4% below the U.S. average, so the take-home pay buys what $57,142 would in a typical U.S. city. Houston, TX ranks #17 of 21 metro areas for cost-of-living-adjusted pay in this job.
Can a loan officer afford rent in Houston, TX?
HUD’s fair market rent for a one-bedroom in Houston, TX is $1,316 a month ($1,558 for two bedrooms) — 28% of a median loan officer’s monthly take-home pay. Financial planners usually suggest keeping rent under about 30%.
Related jobs in Houston, TX
- Financial and Investment Analyst — $101,660
- Management Analyst — $101,120
- Project Management Specialist — $99,510
- Personal Financial Advisor — $98,930
- Accountant and Auditor — $85,090
- Business Operations Specialists, All Other — $82,060
- Compliance Officer — $78,860
- Claims Adjusters, Examiners, and Investigators — $78,820
- Cost Estimator — $78,200
- Buyer and Purchasing Agent — $76,290
- Logistician — $75,940
- Human Resources Specialist — $72,550