Loan Officer Salary in Tampa, FL
Loan Officers in the Tampa-St. Petersburg-Clearwater, FL metro area earn a median $72,220 a year — 6% less than the national median. After 2026 taxes, that is $59,637 take-home, or $4,970 a month.
Take-home pay calculator
Pre-filled with the median loan officer salary in Tampa, FL. Enter your own offer to see your paycheck.
- Federal income tax$7,058
- Social Security (6.2%)$4,478
- Medicare (1.45%)$1,047
- Florida income tax$0
- Take-home pay$59,637
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 Tampa, FL
| Percentile | Salary | Hourly | Take-home / yr | Per month |
|---|---|---|---|---|
| 10th percentile (entry level) | $38,850 | $18.68 | $33,396 | $2,783 |
| 25th percentile | $51,640 | $24.83 | $43,673 | $3,639 |
| Median (50th) | $72,220 | $34.72 | $59,637 | $4,970 |
| 75th percentile | $99,190 | $47.69 | $78,610 | $6,551 |
| 90th percentile (top earners) | $130,850 | $62.91 | $100,702 | $8,392 |
Wages: BLS Occupational Employment and Wage Statistics, May 2025. Take-home: single filer, Florida resident, 2026 tax rules.
What $72,220 buys in Tampa, FL
Prices in Tampa, FL are 0.9% higher than the U.S. average (housing costs are 1.26× the national average). Adjusted for local prices, a median loan officer's $59,637 take-home pay has the buying power of $59,111 in a typical American city.
Rents: HUD Fair Market Rents, FY2026 (40th-percentile gross rent incl. utilities). Price levels: BEA Regional Price Parities, 2024.
Tampa, FL 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
Tampa, FL ranks #15 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 |
| 15 | Tampa, FL | $72,220 | $59,637 | $59,111 |
*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 Florida
- Miami, FL — $71,510
Frequently asked questions
How much does a loan officer make in Tampa, FL?
The median loan officer salary in the Tampa-St. Petersburg-Clearwater, FL metro area is $72,220 a year, or about $34.72 an hour, according to the Bureau of Labor Statistics (May 2025). The middle half earn between $51,640 and $99,190.
What is a loan officer’s take-home pay in Tampa, FL?
On the median $72,220 salary, a single filer living in Florida takes home about $59,637 a year ($4,970 a month) after federal tax, Social Security, Medicare in 2026.
Is Tampa, FL a good place to work as a loan officer?
Pay here is 6% below the national median of $76,690. Local prices are 0.9% above the U.S. average, so the take-home pay buys what $59,111 would in a typical U.S. city. Tampa, FL ranks #15 of 21 metro areas for cost-of-living-adjusted pay in this job.
Can a loan officer afford rent in Tampa, FL?
HUD’s fair market rent for a one-bedroom in Tampa, FL is $1,696 a month ($1,977 for two bedrooms) — 34% of a median loan officer’s monthly take-home pay. Financial planners usually suggest keeping rent under about 30%.
Related jobs in Tampa, FL
- Project Management Specialist — $97,780
- Management Analyst — $95,840
- Personal Financial Advisor — $82,580
- Business Operations Specialists, All Other — $81,610
- Financial and Investment Analyst — $79,910
- Accountant and Auditor — $78,990
- Claims Adjusters, Examiners, and Investigators — $77,990
- Compliance Officer — $75,920
- Market Research Analyst and Marketing Specialist — $75,210
- Buyer and Purchasing Agent — $74,220
- Human Resources Specialist — $65,580
- Training and Development Specialist — $64,010