Loan Officer Salary in St. Louis, MO
Loan Officers in the St. Louis, MO-IL metro area earn a median $74,510 a year — 3% less than the national median. After 2026 taxes, that is $58,683 take-home, or $4,890 a month.
Take-home pay calculator
Pre-filled with the median loan officer salary in St. Louis, MO. Enter your own offer to see your paycheck.
- Federal income tax$7,562
- Social Security (6.2%)$4,620
- Medicare (1.45%)$1,080
- Missouri income tax$2,565
- Take-home pay$58,683
Marginal rate: 22% federal + 4.70% state
Living in St. Louis? City residents also pay St. Louis’s Earnings Tax — about $745 a year on this salary — which lowers take-home pay to $57,938 ($4,828 a month). Choose “St. Louis” under City income tax in the calculator. Suburban residents usually don’t pay it.
The St. Louis, MO-IL metro spans Missouri, Illinois. Pick the state you live in — state income tax follows your residence.
Got an offer somewhere else? Compare it with this one after taxes and rent →
Loan Officer pay by experience in St. Louis, MO
| Percentile | Salary | Hourly | Take-home / yr | Per month |
|---|---|---|---|---|
| 10th percentile (entry level) | $38,370 | $18.45 | $32,144 | $2,679 |
| 25th percentile | $51,640 | $24.83 | $42,183 | $3,515 |
| Median (50th) | $74,510 | $35.82 | $58,683 | $4,890 |
| 75th percentile | $101,430 | $48.76 | $76,356 | $6,363 |
| 90th percentile (top earners) | $149,000 | $71.63 | $107,042 | $8,920 |
Wages: BLS Occupational Employment and Wage Statistics, May 2025. Take-home: single filer, Missouri resident, 2026 tax rules.
What $74,510 buys in St. Louis, MO
Prices in St. Louis, MO are 4.9% lower than the U.S. average (housing costs are 21% below the national average). Adjusted for local prices, a median loan officer's $58,683 take-home pay has the buying power of $61,715 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 St. Louis, MO as in the U.S. overall (location quotient 1.14).
Best-paying cities for loan officers, adjusted for cost of living
St. Louis, MO ranks #9 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 |
| 9 | St. Louis, MO | $74,510 | $58,683 | $61,715 |
*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.
Frequently asked questions
How much does a loan officer make in St. Louis, MO?
The median loan officer salary in the St. Louis, MO-IL metro area is $74,510 a year, or about $35.82 an hour, according to the Bureau of Labor Statistics (May 2025). The middle half earn between $51,640 and $101,430.
What is a loan officer’s take-home pay in St. Louis, MO?
On the median $74,510 salary, a single filer living in Missouri takes home about $58,683 a year ($4,890 a month) after federal tax, Social Security, Medicare and $2,565 in Missouri taxes in 2026.
Is St. Louis, MO a good place to work as a loan officer?
Pay here is 3% below the national median of $76,690. Local prices are 4.9% below the U.S. average, so the take-home pay buys what $61,715 would in a typical U.S. city. St. Louis, MO ranks #9 of 21 metro areas for cost-of-living-adjusted pay in this job.
Can a loan officer afford rent in St. Louis, MO?
HUD’s fair market rent for a one-bedroom in St. Louis, MO is $989 a month ($1,211 for two bedrooms) — 20% of a median loan officer’s monthly take-home pay. Financial planners usually suggest keeping rent under about 30%.
Related jobs in St. Louis, MO
- Personal Financial Advisor — $103,690
- Management Analyst — $101,100
- Project Management Specialist — $100,510
- Financial and Investment Analyst — $99,950
- Business Operations Specialists, All Other — $95,470
- Logistician — $88,880
- Accountant and Auditor — $78,880
- Cost Estimator — $78,730
- Compliance Officer — $77,270
- Claims Adjusters, Examiners, and Investigators — $75,840
- Market Research Analyst and Marketing Specialist — $74,130
- Buyer and Purchasing Agent — $73,280