Job Salary Guide · 2026
Loan Officer Salary After Tax in Buffalo
Based on BLS OEWS data · NY · Single filer
Loan Officer Salary Range
25th Percentile
$50,000
Take-home:
$39,970
$3,331/mo
Entry to mid-level
Median
$70,000
Take-home:
$54,218
$4,518/mo
Typical salary
75th Percentile
$110,000
Take-home:
$79,932
$6,661/mo
Senior / specialist
Tax Breakdown
At median salary of $70,000
Cost of Living in Buffalo
1BR Monthly Rent
$1,100/mo
2BR Monthly Rent
$1,380/mo
COL Index
0.93
Comfortable Rent Max
$1,129/mo
50 / 30 / 20 Budget Planner
Based on your monthly take-home of $4,518 ($54,216/yr)
$2,259
per month
- ›Rent / mortgage
- ›Groceries
- ›Utilities
- ›Insurance
- ›Minimum debt payments
- ›Transportation
$1,355
per month
- ›Dining out
- ›Streaming services
- ›Gym
- ›Hobbies
- ›Travel
- ›Shopping
$904
per month
- ›Emergency fund
- ›401(k) / IRA
- ›Investments
- ›Down payment fund
- ›Debt payoff (extra)
Needs / year
$27,108
Wants / year
$16,265
Savings / year
$10,843
Loan Officer Salary in Other Cities
Frequently Asked Questions
What is the average Loan Officer salary in Buffalo?
The median Loan Officer salary in Buffalo (NY) 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 Buffalo?
At the median salary of $70,000, a Loan Officer in NY takes home approximately $54,218 per year ($4,518/month) after federal and state taxes. The effective tax rate is 22.55%.
Can a Loan Officer afford rent in Buffalo?
The average 1-bedroom rent in Buffalo is $1,100/month. On the median Loan Officer salary, your rent-to-income ratio is 24.3%, which is "Comfortable". Financial experts recommend keeping rent below 25–30% of take-home pay ($1,129/month at this salary).
How does cost of living affect Loan Officer salaries in Buffalo?
Buffalo has a cost-of-living index of 0.93 (1.00 = national average). Buffalo is 7% cheaper than the US average, so the Loan Officer salary goes further here than in high-cost metros.