Loan Officer Salary in San Diego, CA
Loan Officers in the San Diego-Chula Vista-Carlsbad, CA metro area earn a median $81,770 a year — 7% more than the national median. After 2026 taxes, that is $61,917 take-home, or $5,160 a month.
Take-home pay calculator
Pre-filled with the median loan officer salary in San Diego, CA. Enter your own offer to see your paycheck.
- Federal income tax$9,159
- Social Security (6.2%)$5,070
- Medicare (1.45%)$1,186
- California income tax$3,375
- CA State Disability Insurance (SDI)$1,063
- Take-home pay$61,917
Marginal rate: 22% federal + 9.30% state
Got an offer somewhere else? Compare it with this one after taxes and rent →
Loan Officer pay by experience in San Diego, CA
| Percentile | Salary | Hourly | Take-home / yr | Per month |
|---|---|---|---|---|
| 10th percentile (entry level) | $39,640 | $19.06 | $32,940 | $2,745 |
| 25th percentile | $58,340 | $28.05 | $46,748 | $3,896 |
| Median (50th) | $81,770 | $39.31 | $61,917 | $5,160 |
| 75th percentile | $125,040 | $60.12 | $87,706 | $7,309 |
| 90th percentile (top earners) | $168,140 | $80.84 | $112,596 | $9,383 |
Wages: BLS Occupational Employment and Wage Statistics, May 2025. Take-home: single filer, California resident, 2026 tax rules.
What $81,770 buys in San Diego, CA
Prices in San Diego, CA are 11.9% higher than the U.S. average (housing costs are 1.79× the national average). Adjusted for local prices, a median loan officer's $61,917 take-home pay has the buying power of $55,339 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 San Diego, CA as in the U.S. overall (location quotient 0.87).
Best-paying cities for loan officers, adjusted for cost of living
San Diego, CA ranks #18 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 |
| 18 | San Diego, CA | $81,770 | $61,917 | $55,339 |
*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 California
- San Francisco, CA — $103,000
- Los Angeles, CA — $80,360
Frequently asked questions
How much does a loan officer make in San Diego, CA?
The median loan officer salary in the San Diego-Chula Vista-Carlsbad, CA metro area is $81,770 a year, or about $39.31 an hour, according to the Bureau of Labor Statistics (May 2025). The middle half earn between $58,340 and $125,040.
What is a loan officer’s take-home pay in San Diego, CA?
On the median $81,770 salary, a single filer living in California takes home about $61,917 a year ($5,160 a month) after federal tax, Social Security, Medicare and $4,438 in California taxes in 2026.
Is San Diego, CA a good place to work as a loan officer?
Pay here is 7% above the national median of $76,690. Local prices are 11.9% above the U.S. average, so the take-home pay buys what $55,339 would in a typical U.S. city. San Diego, CA ranks #18 of 21 metro areas for cost-of-living-adjusted pay in this job.
Can a loan officer afford rent in San Diego, CA?
HUD’s fair market rent for a one-bedroom in San Diego, CA is $2,459 a month ($3,001 for two bedrooms) — 48% of a median loan officer’s monthly take-home pay. Financial planners usually suggest keeping rent under about 30%.
Related jobs in San Diego, CA
- Personal Financial Advisor — $130,330
- Project Management Specialist — $117,460
- Financial and Investment Analyst — $106,040
- Compliance Officer — $101,230
- Management Analyst — $101,190
- Logistician — $100,130
- Business Operations Specialists, All Other — $96,580
- Accountant and Auditor — $96,340
- Cost Estimator — $87,170
- Claims Adjusters, Examiners, and Investigators — $84,550
- Buyer and Purchasing Agent — $83,090
- Human Resources Specialist — $81,300