Mortgage Loan Officer Salary in Sacramento, CA
Mortgage Loan Officer salary data for Sacramento, CA — adjusted for local cost of living. Entry-level to senior pay ranges, take-home pay calculator, and local job market insights.
Mortgage Loan Officer Salary in Sacramento, CA — 2026
The median Mortgage Loan Officer salary in Sacramento, CA is $77,880 per year ($6,490/month, $37/hr). This reflects the local cost of living index of 118, which is 18% above the national average.
Mortgage Loan Officer Take-Home Pay in Sacramento
Tax Breakdown (Median Salary)
| Gross Annual | $77,880 |
| Federal Tax | -$8,748 |
| State Tax (9.3%) | -$7,243 |
| FICA (SS + Medicare) | -$5,958 |
| Annual Take-Home | $55,932 |
| Monthly Take-Home | $4,661 |
Living Cost Comparison
Mortgage Loan Officer Requirements
Key Skills
Sacramento Job Market Overview
Sacramento, California has a population of 524,943 and an unemployment rate of 3.8%. The top industries are Government, Healthcare, Technology. The local job growth rate is 2.0%, and the average commute time is 27 minutes.
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Frequently Asked Questions
What is the average Mortgage Loan Officer salary in Sacramento, CA?
How much does a Mortgage Loan Officer take home in Sacramento after taxes?
Is Sacramento a good city for Mortgage Loan Officers?
What skills are needed for a Mortgage Loan Officer in Sacramento?
How does Mortgage Loan Officer salary in Sacramento compare to the national average?
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Frequently Asked Questions
What is the average Mortgage Loan Officer salary in Sacramento, CA?
The median Mortgage Loan Officer salary in Sacramento, CA is $77,880 per year as of 2026. This is adjusted for the local cost of living index of 118. Entry-level Mortgage Loan Officers earn around $47,200, while senior-level professionals can earn $113,280 or more.
How much does a Mortgage Loan Officer take home in Sacramento after taxes?
A Mortgage Loan Officer earning the median salary of $77,880 in Sacramento, CA takes home approximately $55,932 per year ($4,661/month) after federal, state, and local taxes. The effective tax rate is 28.2%.
Is Sacramento a good city for Mortgage Loan Officers?
Sacramento, CA has a cost of living index of 118 (above national average). Mortgage Loan Officers here earn above the city median. The local unemployment rate is 3.8% and top industries include Government, Healthcare, Technology.
What skills are needed for a Mortgage Loan Officer in Sacramento?
Key skills for Mortgage Loan Officers include Mortgage Products, Underwriting, Compliance, Sales, Customer Relations. Typical education requirement is Bachelor's Degree. Valuable certifications include NMLS License, State License.
How does Mortgage Loan Officer salary in Sacramento compare to the national average?
The national median Mortgage Loan Officer salary is $66,000. In Sacramento, the adjusted salary is $77,880, which is 18.0% higher than the national average, reflecting the local cost of living.