Loan Officer Salary in Raleigh, NC (2026)
Median Loan Officer salary in Raleigh is approximately $70,000/year — 0.0% above the US national average.
Salary breakdown — Raleigh
After-tax estimate
| City | Cost mult. | Estimated annual | vs Raleigh |
|---|---|---|---|
| Wilmington, DE | 1.00× | $70,000 | +$0 |
| Virginia Beach, VA | 1.00× | $70,000 | +$0 |
| St. Paul, MN | 1.00× | $70,000 | +$0 |
| Chesapeake, VA | 1.00× | $70,000 | +$0 |
| North Las Vegas, NV | 1.00× | $70,000 | +$0 |
Loan Officer salaries in Raleigh, NC
The estimated median Loan Officer salary in Raleigh, North Carolina is $70,000/year, working out to approximately $34/hour at full-time, $2,692 per biweekly paycheck, or $5,833/month before taxes. Raleigh's cost-of-living multiplier of 1.00× national reflects local prices, housing costs, and employer concentration in this metro area.
Compared to the North Carolina state average for this role ($65,800), Raleigh pays about $4,200 more. This typically reflects how the metro area's cost of living and employer density differ from the state as a whole.
Take-home pay in Raleigh
Of the gross $70,000, you take home roughly $51,345 after:
- Federal income tax (~14% effective at this income)
- FICA — Social Security 6.2% + Medicare 1.45% = 7.65%
- North Carolina state income tax (~5% effective)
- Raleigh has no local income tax
That works out to about $4,279/month after-tax — useful for budgeting rent (typically 25–35% of net income), savings (15–20% target), and other expenses. For an exact calculation including 401(k), HSA, and your filing status, use our Raleigh Paycheck Calculator.
What affects your actual pay
- Experience: entry-level often 25–35% below median; senior roles 40–60%+ above.
- Specific employer: top-tier employers in Raleigh pay 10–25% above market for the same role.
- Industry: a Software Engineer at a tech company in Raleigh typically out-earns one at a non-tech employer.
- Negotiation: simply negotiating an offer can shift comp by 5–15%.
- Education and credentials: degrees and licenses (especially for healthcare, legal, engineering) can move comp by 15–30%.
- Remote vs in-office: many Raleigh employers now base pay on cost of living, with remote workers in cheaper metros paid less.
Related calculators
Loan Officer Salary in North Carolina — state-level average. Salary Calculator — convert hourly ↔ annual. Raleigh Paycheck Calculator — exact take-home. Income Tax Calculator — federal tax with brackets. Investment Calculator — long-term portfolio growth.