Job Salary Guide · 2026
Loan Officer Salary After Tax in Birmingham
Based on BLS OEWS data · AL · Single filer
Loan Officer Salary Range
25th Percentile
$50,000
Take-home:
$39,878
$3,323/mo
Entry to mid-level
Median
$70,000
Take-home:
$54,296
$4,525/mo
Typical salary
75th Percentile
$110,000
Take-home:
$80,436
$6,703/mo
Senior / specialist
Tax Breakdown
At median salary of $70,000
Cost of Living in Birmingham
1BR Monthly Rent
$1,020/mo
2BR Monthly Rent
$1,280/mo
COL Index
0.89
Comfortable Rent Max
$1,131/mo
50 / 30 / 20 Budget Planner
Based on your monthly take-home of $4,525 ($54,300/yr)
$2,263
per month
- ›Rent / mortgage
- ›Groceries
- ›Utilities
- ›Insurance
- ›Minimum debt payments
- ›Transportation
$1,358
per month
- ›Dining out
- ›Streaming services
- ›Gym
- ›Hobbies
- ›Travel
- ›Shopping
$905
per month
- ›Emergency fund
- ›401(k) / IRA
- ›Investments
- ›Down payment fund
- ›Debt payoff (extra)
Needs / year
$27,150
Wants / year
$16,290
Savings / year
$10,860
Loan Officer Salary in Other Cities
Frequently Asked Questions
What is the average Loan Officer salary in Birmingham?
The median Loan Officer salary in Birmingham (AL) is $70,000 per year based on BLS OEWS data. The 25th percentile is $50,000 and the 75th percentile is $110,000.
What is the take-home pay for a Loan Officer in Birmingham?
At the median salary of $70,000, a Loan Officer in AL takes home approximately $54,296 per year ($4,525/month) after federal and state taxes. The effective tax rate is 22.43%.
Can a Loan Officer afford rent in Birmingham?
The average 1-bedroom rent in Birmingham is $1,020/month. On the median Loan Officer salary, your rent-to-income ratio is 22.5%, which is "Comfortable". Financial experts recommend keeping rent below 25–30% of take-home pay ($1,131/month at this salary).
How does cost of living affect Loan Officer salaries in Birmingham?
Birmingham has a cost-of-living index of 0.89 (1.00 = national average). Birmingham is 11% cheaper than the US average, so the Loan Officer salary goes further here than in high-cost metros.