Loan Officers pay range in Houston
New workers and the lowest-paid 10% earn about $26,160 a year or less, while the top 10% make $172,540 or more. The middle half of loan officers in Houston earn between $48,730 and $98,950.
- $26K10th
- $49K25th
- $68KMedian
- $99K75th
- $173K90th
median average · bar = middle 50% of workers · how to read it
| Pay level | Per year | Per month | Per hour* |
|---|---|---|---|
| Average | $84,830 | $7,069 | $40.78 |
| Median | $67,560 | $5,630 | $32.48 |
| Entry level (25th percentile) | $48,730 | $4,061 | $23.43 |
| Experienced (75th percentile) | $98,950 | $8,246 | $47.57 |
*Hourly figures assume 2,080 paid hours a year. Hourly to annual salary.
Loan Officers pay in Houston vs. Texas and the U.S.
Loan officers in Houston earn 7% more than the Texas average ($79,410) and 3% less than the U.S. average ($87,790). At the median the gap is -12% against the U.S. median of $76,690.
| Area | Average | Median | 10th pct. | 90th pct. | Jobs |
|---|---|---|---|---|---|
| Houston | $84,830 | $67,560 | $26,160 | $172,540 | 3,410 |
| Texas | $79,410 | $66,370 | $34,150 | $135,280 | 21,200 |
| 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 Houston
On the average salary of $84,830, a single filer in Houston takes home about $68,508 a year, or $5,709 a month and $2,635 every two weeks. Taxes take 19% of gross pay.
Single filer, standard deduction: federal income tax (2026 brackets), Social Security, Medicare and no state income tax.
Is Houston a good place for loan officers? Pay vs. cost of living
Prices in the Houston area are in line with the U.S. average (BEA price parity 98.6), so the average $84,830 buys what about $86,009 would buy in a typical U.S. metro. This job pays 1.4 times the median wage of all jobs in Houston ($49,410). A typical home costs $308,306, or 3.6 years of this average salary before tax.
Loan Officers salary in other Texas cities
Houston ranks 5th of 24 Texas metro areas for this job; Victoria pays the most ($92,270).
- Victoria$92,270
- College Station$92,150
- Sherman$89,410
- Midland$87,100
- Houston$84,830
- Waco$83,600
- Brownsville$82,070
- Lubbock$81,930
- Dallas$80,100
- Tyler$79,560
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 Houston: questions
How much do loan officers make an hour in Houston?
$40.78 an hour on average, and $32.48 at the median (BLS, May 2025).
What is the entry-level loan officers salary in Houston?
The lowest-paid 10% earn about $26,160 a year and the 25th percentile is $48,730, a fair guide to starting pay.
What is the loan officers take-home pay in Houston?
About $68,508 a year ($5,709 a month) for a single filer on the average salary of $84,830. Texas has no state income tax.
Do loan officers earn more in Houston than elsewhere?
The average here is 3% 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 Houston-Pasadena-The Woodlands, TX (26420). Relative standard error of the mean wage: 5.7%.
- 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 0.59, this job is less common than in the U.S. overall (location quotient 0.59).
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