Loan Officers pay range in Utica
New workers and the lowest-paid 10% earn about $47,060 a year or less, while the top 10% make $135,710 or more. The middle half of loan officers in Utica earn between $51,340 and $92,670.
- $47K10th
- $51K25th
- $62KMedian
- $93K75th
- $136K90th
median average · bar = middle 50% of workers · how to read it
| Pay level | Per year | Per month | Per hour* |
|---|---|---|---|
| Average | $80,160 | $6,680 | $38.54 |
| Median | $61,910 | $5,159 | $29.76 |
| Entry level (25th percentile) | $51,340 | $4,278 | $24.68 |
| Experienced (75th percentile) | $92,670 | $7,722 | $44.55 |
*Hourly figures assume 2,080 paid hours a year. Hourly to annual salary.
Loan Officers pay in Utica vs. New York and the U.S.
Loan officers in Utica earn 30% less than the New York average ($114,670) and 9% less than the U.S. average ($87,790). At the median the gap is -19% against the U.S. median of $76,690.
| Area | Average | Median | 10th pct. | 90th pct. | Jobs |
|---|---|---|---|---|---|
| Utica | $80,160 | $61,910 | $47,060 | $135,710 | 170 |
| New York | $114,670 | $95,710 | $49,410 | $211,350 | 10,840 |
| United States | $87,790 | $76,690 | $39,430 | $153,180 | 274,330 |
State and U.S. rows: BLS statewide and national estimates, May 2025, which include rural areas.
Loan Officers salary after taxes in Utica
On the average salary of $80,160, a single filer in Utica takes home about $61,419 a year, or $5,118 a month and $2,362 every two weeks. Taxes take 23% of gross pay.
Single filer, standard deduction: federal income tax (2026 brackets), Social Security, Medicare and state income tax (2025 rules). New York City (up to 3.876%) and Yonkers income taxes are not included.
Is Utica a good place for loan officers? Pay vs. cost of living
Prices in the Utica area are 7% below the U.S. average (BEA price parity 92.7), so the average $80,160 buys what about $86,493 would buy in a typical U.S. metro. This job pays 1.3 times the median wage of all jobs in Utica ($48,970). A typical home costs $230,265, or 2.9 years of this average salary before tax.
Loan Officers salary in other New York cities
Utica ranks 13th of 13 New York metro areas for this job; Elmira pays the most ($129,370).
- Elmira$129,370
- New York$121,180
- Rochester$111,610
- Glens Falls$105,660
- Kiryas Joel$104,720
- Watertown$98,240
- Albany$97,270
- Syracuse$96,130
- Buffalo$92,350
- Utica$80,160
Highest-paying cities for loan officers
Elmira, NY pays this job the most of the metro areas we cover ($129,370).
- Elmira, NY$129,370
- New York, NY$121,180
- Boston, MA$120,300
- San Francisco, CA$116,480
- Norwich, CT$116,460
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Loan Officers salary in Utica: questions
How much do loan officers make an hour in Utica?
$38.54 an hour on average, and $29.76 at the median (BLS, May 2025).
What is the entry-level loan officers salary in Utica?
The lowest-paid 10% earn about $47,060 a year and the 25th percentile is $51,340, a fair guide to starting pay.
What is the loan officers take-home pay in Utica?
About $61,419 a year ($5,118 a month) for a single filer on the average salary of $80,160. New York City (up to 3.876%) and Yonkers income taxes are not included.
Do loan officers earn more in Utica than elsewhere?
The average here is 9% less than the U.S. average for this job ($87,790).
Sources and how to read this page
- Wages: U.S. Bureau of Labor Statistics, Occupational Employment and Wage Statistics (OEWS), May 2025 estimates for metropolitan areas. SOC code 13-2072; area Utica-Rome, NY (46540). Relative standard error of the mean wage: 4.5%.
- U.S. and statewide figures: BLS OEWS national and state estimates, May 2025, every employer including rural areas.
- Cost of living: Bureau of Economic Analysis regional price parities (RPP), 2024; 100 = U.S. average.
- Home value: Zillow Home Value Index. Typical-wage figure: OEWS all occupations, same metro.
- Take-home pay: Single filer, standard deduction: federal income tax (2026 brackets), Social Security, Medicare and state income tax (2025 rules). New York City (up to 3.876%) and Yonkers income taxes are not included.
- Job concentration: location quotient 0.80, this job is less common than in the U.S. overall (location quotient 0.80).
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