Loan Officers pay range in Chico
New workers and the lowest-paid 10% earn about $34,320 a year or less, while the top 10% make $176,700 or more. The middle half of loan officers in Chico earn between $47,260 and $104,250.
- $34K10th
- $47K25th
- $68KMedian
- $104K75th
- $177K90th
median average · bar = middle 50% of workers · how to read it
| Pay level | Per year | Per month | Per hour* |
|---|---|---|---|
| Average | $87,030 | $7,252 | $41.84 |
| Median | $68,170 | $5,681 | $32.77 |
| Entry level (25th percentile) | $47,260 | $3,938 | $22.72 |
| Experienced (75th percentile) | $104,250 | $8,688 | $50.12 |
*Hourly figures assume 2,080 paid hours a year. Hourly to annual salary.
Loan Officers pay in Chico vs. California and the U.S.
Loan officers in Chico earn 10% less than the California average ($97,120) and about the same as the U.S. average ($87,790). At the median the gap is -11% against the U.S. median of $76,690.
| Area | Average | Median | 10th pct. | 90th pct. | Jobs |
|---|---|---|---|---|---|
| Chico | $87,030 | $68,170 | $34,320 | $176,700 | 80 |
| California | $97,120 | $81,770 | $37,460 | $169,040 | 25,790 |
| 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 Chico
On the average salary of $87,030, a single filer in Chico takes home about $66,054 a year, or $5,504 a month and $2,541 every two weeks. Taxes take 24% of gross pay.
Single filer, standard deduction: federal income tax (2026 brackets), Social Security, Medicare and state income tax (2025 rules). California State Disability Insurance (1.3% of wages, paid by employees) is not included.
Is Chico a good place for loan officers? Pay vs. cost of living
Prices in the Chico area are in line with the U.S. average (BEA price parity 101.2), so the average $87,030 buys what about $86,001 would buy in a typical U.S. metro. This job pays 1.4 times the median wage of all jobs in Chico ($48,050). A typical home costs $401,581, or 4.6 years of this average salary before tax.
Loan Officers salary in other California cities
Chico ranks 20th of 24 California metro areas for this job; San Francisco pays the most ($116,480).
- San Francisco$116,480
- Santa Maria$112,610
- San Jose$110,240
- Napa$108,320
- Modesto$106,380
- Salinas$103,980
- Vallejo$103,580
- Stockton$103,440
- San Luis Obispo$101,810
- Chico$87,030
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 Chico: questions
How much do loan officers make an hour in Chico?
$41.84 an hour on average, and $32.77 at the median (BLS, May 2025).
What is the entry-level loan officers salary in Chico?
The lowest-paid 10% earn about $34,320 a year and the 25th percentile is $47,260, a fair guide to starting pay.
What is the loan officers take-home pay in Chico?
About $66,054 a year ($5,504 a month) for a single filer on the average salary of $87,030. California State Disability Insurance (1.3% of wages, paid by employees) is not included.
Do loan officers earn more in Chico than elsewhere?
The average here is about the same as 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 Chico, CA (17020). Relative standard error of the mean wage: 5.2%.
- 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). California State Disability Insurance (1.3% of wages, paid by employees) is not included.
- Job concentration: location quotient 0.60, this job is less common than in the U.S. overall (location quotient 0.60).
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