Loan Officers pay range in Johnson City
New workers and the lowest-paid 10% earn about $36,190 a year or less, while the top 10% make $126,700 or more. The middle half of loan officers in Johnson City earn between $46,050 and $96,240.
- $36K10th
- $46K25th
- $64KMedian
- $96K75th
- $127K90th
median average · bar = middle 50% of workers · how to read it
| Pay level | Per year | Per month | Per hour* |
|---|---|---|---|
| Average | $74,210 | $6,184 | $35.68 |
| Median | $63,590 | $5,299 | $30.57 |
| Entry level (25th percentile) | $46,050 | $3,838 | $22.14 |
| Experienced (75th percentile) | $96,240 | $8,020 | $46.27 |
*Hourly figures assume 2,080 paid hours a year. Hourly to annual salary.
Loan Officers pay in Johnson City vs. Tennessee and the U.S.
Loan officers in Johnson City earn 4% more than the Tennessee average ($71,590) and 15% less than the U.S. average ($87,790). At the median the gap is -17% against the U.S. median of $76,690.
| Area | Average | Median | 10th pct. | 90th pct. | Jobs |
|---|---|---|---|---|---|
| Johnson City | $74,210 | $63,590 | $36,190 | $126,700 | 190 |
| Tennessee | $71,590 | $62,800 | $38,240 | $113,290 | 6,510 |
| 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 Johnson City
On the average salary of $74,210, a single filer in Johnson City takes home about $61,037 a year, or $5,086 a month and $2,348 every two weeks. Taxes take 18% of gross pay.
Single filer, standard deduction: federal income tax (2026 brackets), Social Security, Medicare and no state income tax.
Is Johnson City a good place for loan officers? Pay vs. cost of living
Prices in the Johnson City area are 12% below the U.S. average (BEA price parity 87.9), so the average $74,210 buys what about $84,399 would buy in a typical U.S. metro. This job pays 1.5 times the median wage of all jobs in Johnson City ($43,480). A typical home costs $282,532, or 3.8 years of this average salary before tax.
Loan Officers salary in other Tennessee cities
Johnson City ranks 2nd of 10 Tennessee metro areas for this job; Memphis pays the most ($75,860).
- Memphis$75,860
- Johnson City$74,210
- Nashville$73,240
- Knoxville$72,220
- Chattanooga$70,670
- Clarksville$70,330
- Jackson$65,980
- Kingsport$61,810
- Cleveland$60,100
- Morristown$55,740
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 Johnson City: questions
How much do loan officers make an hour in Johnson City?
$35.68 an hour on average, and $30.57 at the median (BLS, May 2025).
What is the entry-level loan officers salary in Johnson City?
The lowest-paid 10% earn about $36,190 a year and the 25th percentile is $46,050, a fair guide to starting pay.
What is the loan officers take-home pay in Johnson City?
About $61,037 a year ($5,086 a month) for a single filer on the average salary of $74,210. Tennessee has no state income tax.
Do loan officers earn more in Johnson City than elsewhere?
The average here is 15% 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 Johnson City, TN (27740). Relative standard error of the mean wage: 4.9%.
- 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 no state income tax.
- Job concentration: location quotient 1.32, this job is 1.3 times as concentrated as in the U.S. overall.
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