Loan Officers pay range in Winchester
New workers and the lowest-paid 10% earn about $47,850 a year or less, while the top 10% make $123,140 or more. The middle half of loan officers in Winchester earn between $61,530 and $96,180.
- $48K10th
- $62K25th
- $63KMedian
- $96K75th
- $123K90th
median average · bar = middle 50% of workers · how to read it
| Pay level | Per year | Per month | Per hour* |
|---|---|---|---|
| Average | $78,220 | $6,518 | $37.61 |
| Median | $63,320 | $5,277 | $30.44 |
| Entry level (25th percentile) | $61,530 | $5,128 | $29.58 |
| Experienced (75th percentile) | $96,180 | $8,015 | $46.24 |
*Hourly figures assume 2,080 paid hours a year. Hourly to annual salary.
Loan Officers pay in Winchester vs. Virginia and the U.S.
Loan officers in Winchester earn 13% less than the Virginia average ($90,090) and 11% 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 |
|---|---|---|---|---|---|
| Winchester | $78,220 | $63,320 | $47,850 | $123,140 | 280 |
| Virginia | $90,090 | $78,320 | $40,190 | $157,070 | 8,790 |
| 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 Winchester
On the average salary of $78,220, a single filer in Winchester takes home about $60,174 a year, or $5,015 a month and $2,314 every two weeks. Taxes take 23% of gross pay.
The Winchester, VA-WV metro area crosses state lines, so take-home pay depends on the state where you work:
| State | Per year | Per month |
|---|---|---|
| Working in WV | $61,164 | $5,097 |
| Working in VA | $60,174 | $5,015 |
Single filer, standard deduction: federal income tax (2026 brackets), Social Security, Medicare and state income tax (2025 rules).
Is Winchester a good place for loan officers? Pay vs. cost of living
Prices in the Winchester area are 4% below the U.S. average (BEA price parity 96.5), so the average $78,220 buys what about $81,099 would buy in a typical U.S. metro. This job pays 1.3 times the median wage of all jobs in Winchester ($47,070). A typical home costs $390,773, or 5.0 years of this average salary before tax.
Loan Officers salary in other Virginia cities
Winchester ranks 3rd of 9 Virginia metro areas for this job; Blacksburg pays the most ($84,360).
- Blacksburg$84,360
- Richmond$78,940
- Winchester$78,220
- Virginia Beach$77,520
- Harrisonburg$77,500
- Roanoke$74,350
- Staunton$67,460
- Lynchburg$67,250
- Charlottesville$65,710
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 Winchester: questions
How much do loan officers make an hour in Winchester?
$37.61 an hour on average, and $30.44 at the median (BLS, May 2025).
What is the entry-level loan officers salary in Winchester?
The lowest-paid 10% earn about $47,850 a year and the 25th percentile is $61,530, a fair guide to starting pay.
What is the loan officers take-home pay in Winchester?
About $60,174 a year ($5,015 a month) for a single filer on the average salary of $78,220.
Do loan officers earn more in Winchester than elsewhere?
The average here is 11% 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 Winchester, VA-WV (49020). Relative standard error of the mean wage: 3.0%.
- 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).
- Job concentration: location quotient 2.32, this job is 2.3 times as concentrated as in the U.S. overall.
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