Loan Officer Salary in Spokane, WA
Loan Officers in the Spokane-Spokane Valley, WA metro area earn a median $77,220 a year — 1% more than the national median. After 2026 taxes, that is $63,154 take-home, or $5,263 a month.
Take-home pay calculator
Pre-filled with the median loan officer salary in Spokane, WA. Enter your own offer to see your paycheck.
- Federal income tax$8,158
- Social Security (6.2%)$4,788
- Medicare (1.45%)$1,120
- Washington income tax$0
- Take-home pay$63,154
Marginal rate: 22% federal + 0.00% state
Loan Officer pay by experience in Spokane, WA
| Percentile | Salary | Hourly | Take-home / yr | Per month |
|---|---|---|---|---|
| 10th percentile (entry level) | $42,000 | $20.19 | $35,927 | $2,994 |
| 25th percentile | $56,520 | $27.17 | $47,594 | $3,966 |
| Median (50th) | $77,220 | $37.13 | $63,154 | $5,263 |
| 75th percentile | $104,350 | $50.17 | $82,240 | $6,853 |
| 90th percentile (top earners) | $149,760 | $72.00 | $113,627 | $9,469 |
Wages: BLS Occupational Employment and Wage Statistics, May 2025. Take-home: single filer, Washington resident, 2026 tax rules.
What $77,220 buys in Spokane, WA
Prices in Spokane, WA are 0.3% higher than the U.S. average (housing costs are 3% below the national average). Adjusted for local prices, a median loan officer's $63,154 take-home pay has the buying power of $62,937 in a typical American city.
Rents: HUD Fair Market Rents, FY2026 (40th-percentile gross rent incl. utilities). Price levels: BEA Regional Price Parities, 2024.
Spokane, WA has 1.5× 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
Spokane, WA ranks #27 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 |
| 27 | Spokane, WA | $77,220 | $63,154 | $62,937 |
*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 Washington
- Seattle, WA — $83,720
Frequently asked questions
How much does a loan officer make in Spokane, WA?
The median loan officer salary in the Spokane-Spokane Valley, WA metro area is $77,220 a year, or about $37.13 an hour, according to the Bureau of Labor Statistics (May 2025). The middle half earn between $56,520 and $104,350.
What is a loan officer’s take-home pay in Spokane, WA?
On the median $77,220 salary, a single filer living in Washington takes home about $63,154 a year ($5,263 a month) after federal tax, Social Security, Medicare in 2026.
Is Spokane, WA a good place to work as a loan officer?
Pay here is 1% above the national median of $76,690. Local prices are 0.3% above the U.S. average, so the take-home pay buys what $62,937 would in a typical U.S. city. Spokane, WA ranks #27 of 86 metro areas for cost-of-living-adjusted pay in this job.
Can a loan officer afford rent in Spokane, WA?
HUD’s fair market rent for a one-bedroom in Spokane, WA is $1,168 a month ($1,499 for two bedrooms) — 22% of a median loan officer’s monthly take-home pay. Financial planners usually suggest keeping rent under about 30%.
Related jobs in Spokane, WA
- Project Management Specialist — $98,840
- Management Analyst — $96,840
- Accountant and Auditor — $86,350
- Business Operations Specialists, All Other — $79,270
- Compliance Officer — $78,460
- Human Resources Specialist — $74,430
- Cost Estimator — $73,940
- Buyer and Purchasing Agent — $73,500
- Claims Adjusters, Examiners, and Investigators — $72,280
- Market Research Analyst and Marketing Specialist — $70,390
- Training and Development Specialist — $63,400