Loan Officers pay range in Cincinnati
New workers and the lowest-paid 10% earn about $42,290 a year or less, while the top 10% make $130,670 or more. The middle half of loan officers in Cincinnati earn between $52,550 and $105,000.
- $42K10th
- $53K25th
- $75KMedian
- $105K75th
- $131K90th
median average · bar = middle 50% of workers · how to read it
| Pay level | Per year | Per month | Per hour* |
|---|---|---|---|
| Average | $84,260 | $7,022 | $40.51 |
| Median | $75,300 | $6,275 | $36.20 |
| Entry level (25th percentile) | $52,550 | $4,379 | $25.26 |
| Experienced (75th percentile) | $105,000 | $8,750 | $50.48 |
*Hourly figures assume 2,080 paid hours a year. Hourly to annual salary.
Loan Officers pay in Cincinnati vs. Ohio and the U.S.
Loan officers in Cincinnati earn about the same as the Ohio average ($83,960) and 4% less than the U.S. average ($87,790). At the median the gap is -2% against the U.S. median of $76,690.
| Area | Average | Median | 10th pct. | 90th pct. | Jobs |
|---|---|---|---|---|---|
| Cincinnati | $84,260 | $75,300 | $42,290 | $130,670 | 2,060 |
| Ohio | $83,960 | $76,370 | $38,200 | $131,980 | 9,880 |
| 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 Cincinnati
On the average salary of $84,260, a single filer in Cincinnati takes home about $64,708 a year, or $5,392 a month and $2,489 every two weeks. Taxes take 23% of gross pay.
The Cincinnati, OH-KY-IN metro area crosses state lines, so take-home pay depends on the state where you work:
| State | Per year | Per month |
|---|---|---|
| Working in IN | $65,609 | $5,467 |
| Working in KY | $65,275 | $5,440 |
| Working in OH | $64,708 | $5,392 |
Single filer, standard deduction: federal income tax (2026 brackets), Social Security, Medicare and state income tax (2026 rules). Includes Cincinnati's local income tax (1.8%); the city income tax is that of the principal city (suburbs have their own rates) and school district income taxes are not included.
Is Cincinnati a good place for loan officers? Pay vs. cost of living
Prices in the Cincinnati area are 5% below the U.S. average (BEA price parity 95.4), so the average $84,260 buys what about $88,351 would buy in a typical U.S. metro. This job pays 1.5 times the median wage of all jobs in Cincinnati ($50,170). A typical home costs $311,270, or 3.7 years of this average salary before tax.
Loan Officers salary in other Ohio cities
Cincinnati ranks 4th of 12 Ohio metro areas for this job; Dayton pays the most ($97,570).
- Dayton$97,570
- Columbus$89,080
- Cleveland$84,600
- Cincinnati$84,260
- Sandusky$77,720
- Springfield$76,600
- Lima$76,400
- Akron$75,340
- Toledo$74,080
- Youngstown$70,360
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 Cincinnati: questions
How much do loan officers make an hour in Cincinnati?
$40.51 an hour on average, and $36.20 at the median (BLS, May 2025).
What is the entry-level loan officers salary in Cincinnati?
The lowest-paid 10% earn about $42,290 a year and the 25th percentile is $52,550, a fair guide to starting pay.
What is the loan officers take-home pay in Cincinnati?
About $64,708 a year ($5,392 a month) for a single filer on the average salary of $84,260. Includes Cincinnati's local income tax (1.8%); the city income tax is that of the principal city (suburbs have their own rates) and school district income taxes are not included.
Do loan officers earn more in Cincinnati than elsewhere?
The average here is 4% 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 Cincinnati, OH-KY-IN (17140). Relative standard error of the mean wage: 2.3%.
- 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 (2026 rules). Includes Cincinnati's local income tax (1.8%); the city income tax is that of the principal city (suburbs have their own rates) and school district income taxes are not included.
- Job concentration: location quotient 1.06, this job is about as common as in the U.S. overall.
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