Loan Officers Salary — Utica, New York

The average Loan Officers in Utica, New York earns $80,160 a year.

$80,160 / year, mean
↓ 9.7% below national average 8th percentile in New York

Utica is among the lowest-paying cities in New York for this specific role. That's noticeably below the national average for loan officers, worth factoring into any relocation math. Cost of living here is close to the national average — not a major factor either way. This is a high-confidence estimate, based on a large sample of reported wages.

Percentile within New York

0th 50th 100th
Employment (this metro)
170
Estimate confidence
RSE 4.5%
Cost of living 93 #133 most expensive of 188 cities in this dataset 100 = U.S. average · Source: BEA Regional Price Parities, 2024
Crime index 2005 #101 safest of 188 cities in this dataset Per 100k residents · Source: FBI Crime Data Explorer
Median home value $230,265 #147 priciest of 188 cities in this dataset Source: zillow_real
Median household income $68,830 #113 highest of 188 cities in this dataset Source: Census Bureau ACS 5-year

Combining these four figures gives a fuller picture than salary alone: Utica ranks #133 for cost of living and #147 for home prices among the 188 cities in this pilot dataset, which matters as much as the headline salary number when comparing where to live.

Elmira $129,370 New York $121,180 San Francisco $116,480 Santa Maria $112,610 Rochester $111,610 San Jose $110,240 Napa $108,320 Modesto $106,380 Glens Falls $105,660 Kiryas Joel $104,720 Grants Pass $104,370 Salinas $103,980 Vallejo $103,580 Stockton $103,440 Salem $102,260 San Luis Obispo $101,810 Medford $101,590 Trenton $100,880 Corvallis $100,700 Homosassa Springs $100,650 Portland $100,600 Seattle $99,260 Albany $98,480 Watertown $98,240 Redding $97,870 Albany $97,270 San Diego $96,890 El Centro $96,300 Syracuse $96,130 Riverside $95,700 Mount Vernon $95,220 Eugene $94,690 Los Angeles $94,540 Santa Rosa $93,840 Bend $93,400 Yakima $93,310 Sacramento $93,070 Deltona $93,000 Atlantic City $92,600 Wenatchee $92,360 Buffalo $92,350 Victoria $92,270 College Station $92,150 Chicago $91,650 Fresno $91,550 Binghamton $91,200 Vineland $91,160 Yuba City $91,030 Ithaca $90,820 Naples $90,810 Springfield $90,720 Bremerton $90,570 Bakersfield $89,890 Sherman $89,410 Champaign $89,240 Kalamazoo $89,060 Spokane $88,620 Punta Gorda $88,320 Fort Myers $88,290 Peoria $88,140 Lansing $88,080 Walla Walla $87,530 Midland $87,100 Chico $87,030 Bellingham $86,930 Philadelphia $86,920 Kennewick $86,690 Lafayette $86,640 Santa Cruz $86,360 Detroit $85,940 Longview $85,320 Olympia $85,090 Ocala $84,930 Houston $84,830 Lexington Park $84,780 Lancaster $84,620 Merced $84,490 Blacksburg $84,360 Lakeland $84,180 Port St. Lucie $84,040 Waco $83,600 Miami $83,450 Visalia $83,160 Rockford $83,070 Allentown $82,690 Kingston $82,640 Grand Rapids $82,320 Brownsville $82,070 Ann Arbor $81,990 Lubbock $81,930 Scranton $81,740 Panama City $81,700 Elkhart $81,210 Lexington $81,070 Sarasota $80,950 Pittsburgh $80,930 Jacksonville $80,850 Gainesville $80,640 Tampa $80,390 Utica $80,160 Dallas $80,100 Indianapolis $80,020 Reading $79,820 York $79,720 Baltimore $79,620 Orlando $79,580 Tyler $79,560 Bowling Green $79,080 Richmond $78,940 Kankakee $78,760 Longview $78,620 San Antonio $78,390 Winchester $78,220 Evansville $78,110 Harrisburg $78,090 Hagerstown $78,000 Laredo $77,750 Decatur $77,650 Louisville $77,620 Palm Bay $77,520 Virginia Beach $77,520 Harrisonburg $77,500 Lebanon $77,460 McAllen $76,900 Bloomington $76,420 Bloomington $76,310 Sebastian $76,060 Oxnard $76,040 Muskegon $75,980 Wildwood $75,920 Morgantown $75,670 Paducah $75,490 Niles $75,470 Austin $75,140 Traverse City $74,970 Muncie $74,930 Crestview $74,840 Johnstown $74,840 Jackson $74,700 Elizabethtown $74,370 Roanoke $74,350 Terre Haute $74,350 Chambersburg $74,230 Salisbury $73,730 Flint $73,450 San Angelo $73,270 State College $72,790 Pensacola $72,770 Fort Wayne $72,560 Kokomo $72,490 Dover $72,200 Huntington $71,550 Michigan City $71,410 Monroe $71,060 Saginaw $70,860 Midland $70,850 Wichita Falls $70,630 Amarillo $70,560 Killeen $70,330 South Bend $70,260 Altoona $69,480 Columbus $68,920 Erie $68,440 Williamsport $68,180 Corpus Christi $68,010 Staunton $67,460 Lynchburg $67,250 Wheeling $66,920 Abilene $66,910 Texarkana $66,740 Beaumont $66,270 Charlottesville $65,710 Charleston $65,500 Owensboro $65,470 Tallahassee $65,410 Beckley $65,210 El Paso $64,070 Parkersburg $63,520 Battle Creek $62,190 Weirton $61,780
CityMean salaryvs. Utica
Abilene, Texas$66,910-16.5%
Albany, Oregon$98,480+22.9%
Albany, New York$97,270+21.3%
Allentown, Pennsylvania$82,690+3.2%
Altoona, Pennsylvania$69,480-13.3%
Amarillo, Texas$70,560-12.0%
Ann Arbor, Michigan$81,990+2.3%
Atlantic City, New Jersey$92,600+15.5%
Austin, Texas$75,140-6.3%
Bakersfield, California$89,890+12.1%
Baltimore, Maryland$79,620-0.7%
Battle Creek, Michigan$62,190-22.4%
Beaumont, Texas$66,270-17.3%
Beckley, West Virginia$65,210-18.7%
Bellingham, Washington$86,930+8.4%
Bend, Oregon$93,400+16.5%
Binghamton, New York$91,200+13.8%
Blacksburg, Virginia$84,360+5.2%
Bloomington, Illinois$76,310-4.8%
Bloomington, Indiana$76,420-4.7%
Bowling Green, Kentucky$79,080-1.3%
Bremerton, Washington$90,570+13.0%
Brownsville, Texas$82,070+2.4%
Buffalo, New York$92,350+15.2%
Fort Myers, Florida$88,290+10.1%
Chambersburg, Pennsylvania$74,230-7.4%
Champaign, Illinois$89,240+11.3%
Charleston, West Virginia$65,500-18.3%
Charlottesville, Virginia$65,710-18.0%
Chicago, Illinois$91,650+14.3%
Chico, California$87,030+8.6%
College Station, Texas$92,150+15.0%
Columbus, Indiana$68,920-14.0%
Corpus Christi, Texas$68,010-15.2%
Corvallis, Oregon$100,700+25.6%
Crestview, Florida$74,840-6.6%
Dallas, Texas$80,100-0.1%
Decatur, Illinois$77,650-3.1%
Deltona, Florida$93,000+16.0%
Detroit, Michigan$85,940+7.2%
Dover, Delaware$72,200-9.9%
El Centro, California$96,300+20.1%
Elizabethtown, Kentucky$74,370-7.2%
Elkhart, Indiana$81,210+1.3%
Elmira, New York$129,370+61.4%
El Paso, Texas$64,070-20.1%
Erie, Pennsylvania$68,440-14.6%
Eugene, Oregon$94,690+18.1%
Evansville, Indiana$78,110-2.6%
Flint, Michigan$73,450-8.4%
Fort Wayne, Indiana$72,560-9.5%
Fresno, California$91,550+14.2%
Gainesville, Florida$80,640+0.6%
Glens Falls, New York$105,660+31.8%
Grand Rapids, Michigan$82,320+2.7%
Grants Pass, Oregon$104,370+30.2%
Hagerstown, Maryland$78,000-2.7%
Harrisburg, Pennsylvania$78,090-2.6%
Harrisonburg, Virginia$77,500-3.3%
Homosassa Springs, Florida$100,650+25.6%
Houston, Texas$84,830+5.8%
Huntington, West Virginia$71,550-10.7%
Indianapolis, Indiana$80,020-0.2%
Ithaca, New York$90,820+13.3%
Jackson, Michigan$74,700-6.8%
Jacksonville, Florida$80,850+0.9%
Johnstown, Pennsylvania$74,840-6.6%
Kalamazoo, Michigan$89,060+11.1%
Kankakee, Illinois$78,760-1.7%
Kennewick, Washington$86,690+8.1%
Killeen, Texas$70,330-12.3%
Kingston, New York$82,640+3.1%
Kiryas Joel, New York$104,720+30.6%
Kokomo, Indiana$72,490-9.6%
Lafayette, Indiana$86,640+8.1%
Lakeland, Florida$84,180+5.0%
Lancaster, Pennsylvania$84,620+5.6%
Lansing, Michigan$88,080+9.9%
Laredo, Texas$77,750-3.0%
Lebanon, Pennsylvania$77,460-3.4%
Lexington, Kentucky$81,070+1.1%
Lexington Park, Maryland$84,780+5.8%
Longview, Texas$78,620-1.9%
Longview, Washington$85,320+6.4%
Los Angeles, California$94,540+17.9%
Louisville, Kentucky$77,620-3.2%
Lubbock, Texas$81,930+2.2%
Lynchburg, Virginia$67,250-16.1%
McAllen, Texas$76,900-4.1%
Medford, Oregon$101,590+26.7%
Merced, California$84,490+5.4%
Miami, Florida$83,450+4.1%
Michigan City, Indiana$71,410-10.9%
Midland, Michigan$70,850-11.6%
Midland, Texas$87,100+8.7%
Modesto, California$106,380+32.7%
Monroe, Michigan$71,060-11.4%
Morgantown, West Virginia$75,670-5.6%
Mount Vernon, Washington$95,220+18.8%
Muncie, Indiana$74,930-6.5%
Muskegon, Michigan$75,980-5.2%
Napa, California$108,320+35.1%
Naples, Florida$90,810+13.3%
New York, New York$121,180+51.2%
Niles, Michigan$75,470-5.9%
Sarasota, Florida$80,950+1.0%
Ocala, Florida$84,930+6.0%
Olympia, Washington$85,090+6.2%
Orlando, Florida$79,580-0.7%
Owensboro, Kentucky$65,470-18.3%
Oxnard, California$76,040-5.1%
Paducah, Kentucky$75,490-5.8%
Palm Bay, Florida$77,520-3.3%
Panama City, Florida$81,700+1.9%
Parkersburg, West Virginia$63,520-20.8%
Pensacola, Florida$72,770-9.2%
Peoria, Illinois$88,140+10.0%
Philadelphia, Pennsylvania$86,920+8.4%
Pittsburgh, Pennsylvania$80,930+1.0%
Portland, Oregon$100,600+25.5%
Port St. Lucie, Florida$84,040+4.8%
Punta Gorda, Florida$88,320+10.2%
Reading, Pennsylvania$79,820-0.4%
Redding, California$97,870+22.1%
Richmond, Virginia$78,940-1.5%
Riverside, California$95,700+19.4%
Roanoke, Virginia$74,350-7.2%
Rochester, New York$111,610+39.2%
Rockford, Illinois$83,070+3.6%
Sacramento, California$93,070+16.1%
Saginaw, Michigan$70,860-11.6%
Salem, Oregon$102,260+27.6%
Salinas, California$103,980+29.7%
Salisbury, Maryland$73,730-8.0%
San Angelo, Texas$73,270-8.6%
San Antonio, Texas$78,390-2.2%
San Diego, California$96,890+20.9%
San Francisco, California$116,480+45.3%
San Jose, California$110,240+37.5%
San Luis Obispo, California$101,810+27.0%
Santa Cruz, California$86,360+7.7%
Santa Maria, California$112,610+40.5%
Santa Rosa, California$93,840+17.1%
Scranton, Pennsylvania$81,740+2.0%
Seattle, Washington$99,260+23.8%
Sebastian, Florida$76,060-5.1%
Sherman, Texas$89,410+11.5%
South Bend, Indiana$70,260-12.4%
Spokane, Washington$88,620+10.6%
Springfield, Illinois$90,720+13.2%
State College, Pennsylvania$72,790-9.2%
Staunton, Virginia$67,460-15.8%
Stockton, California$103,440+29.0%
Syracuse, New York$96,130+19.9%
Tallahassee, Florida$65,410-18.4%
Tampa, Florida$80,390+0.3%
Terre Haute, Indiana$74,350-7.2%
Texarkana, Texas$66,740-16.7%
Traverse City, Michigan$74,970-6.5%
Trenton, New Jersey$100,880+25.8%
Tyler, Texas$79,560-0.7%
Vallejo, California$103,580+29.2%
Victoria, Texas$92,270+15.1%
Vineland, New Jersey$91,160+13.7%
Virginia Beach, Virginia$77,520-3.3%
Visalia, California$83,160+3.7%
Waco, Texas$83,600+4.3%
Walla Walla, Washington$87,530+9.2%
Watertown, New York$98,240+22.6%
Weirton, West Virginia$61,780-22.9%
Wenatchee, Washington$92,360+15.2%
Wheeling, West Virginia$66,920-16.5%
Wichita Falls, Texas$70,630-11.9%
Wildwood, Florida$75,920-5.3%
Williamsport, Pennsylvania$68,180-14.9%
Winchester, Virginia$78,220-2.4%
Yakima, Washington$93,310+16.4%
York, Pennsylvania$79,720-0.5%
Yuba City, California$91,030+13.6%
Gross salary
80,160/yr
Estimated take-home
61,419/yr
Est. total withheld
23.4%

Single filer, federal + New York state tax + FICA, 2025 rates. Does not include state-specific payroll withholdings beyond income tax (see Data transparency). Not tax advice — verify with a professional for your specific situation.

View cost of living in this state All Loan Officers salaries in New York → All Loan Officers salaries →
Data transparency

Sources used for this page

Official occupation and area metadata behind the visible salary, cost, housing and safety signals.

Occupation 13-2072 SOC code
Official area Utica-Rome, NY BLS metro/geographic area
Area code 46540 Stable geographic key
Reference year 2025 BLS OEWS
Cost: bea_realHousing: zillow_realCrime: latest availableNet-pay source: ny_dtf_verificado 2025
Metro also includes
Rome
No additional caveats are attached to this row.
Methodology

How this page is built

The salary figure is the mean annual wage reported by the BLS Occupational Employment and Wage Statistics (OEWS) program for this occupation and metro area. Percentile and national-average comparisons are calculated directly from the 188 cities currently in this dataset, not from a fixed external benchmark. Cost of living, crime and housing figures come from BEA, FBI and Zillow respectively — see "Data transparency" above for the exact sources and reference years used on this specific page.

Confidence: the RSE (relative standard error) shown under Overview indicates how reliable the salary estimate is for this metro — a lower RSE means a larger underlying sample.

On this page

Where this is

AK HI

Highlighted: New York

Population (metro area)
289,577