Financial Analyst Salary in Fontana, CA: Median $97,910 in 2026
Fontana (CA) · COL index 125 · Unemployment 4.7% · Metro pop 220,000 · Rank #38 of 283 for Financial Analyst salary
A Financial Analyst in Fontana earns an estimated median of $97,910 per year. That figure starts from the California state-level BLS Occupational Employment and Wage Statistics median[1]($87,880) and scales it by Fontana's composite cost-of-living index of 125 (US = 100). The 10th percentile comes in around $54,893; the 90th percentile reaches $184,400. After federal, California state, and FICA taxes, a single-filer Financial Analyst takes home approximately $72,298/year — about $6,025/month or $2,781 every other week.
Compared to the national Financial Analyst median of $99,890, Fontana pays -2.0%. Relative to the Fontana median household income of $78,200, a Financial Analystsalary runs +25.2%. Local unemployment is 4.7%[3], with an estimated 48 annual Financial Analyst openings inferred from metro population share and national employment (371,700).
Financial Analyst Snapshot — Fontana (2026)
Every row cites a primary public dataset. Rent + home values use Zillow where the metro is in the ZHVI/ZORI coverage set; otherwise ACS + census tract fallbacks.
| Metric | Fontana | National | Source |
|---|---|---|---|
| Financial Analyst median salary | $97,910 | $99,890 | [1] |
| 10th percentile | $54,893 | $71,710 | [1] |
| 90th percentile | $184,400 | $188,870 | [1] |
| Annual take-home (single filer) | $72,298 | — | [8][10] |
| Median home value (ZHVI) | $520,000 | — | [5] |
| Median rent (ZORI) | $1,750/mo | — | [5] |
| HUD Fair Market Rent (2BR) | $1,600/mo | — | [6] |
| Median household income (ACS) | $78,200 | — | [7] |
| Cost-of-living index | 125.0 | 100.0 | [4] |
| Unemployment rate | 4.7% | — | [3] |
How Financial Analyst Salaries Work in Fontana
City-level wages aren't published directly by BLS for most SOC codes. We build them by anchoring to the California state-level OEWS median ($87,880) and scaling by Fontana's composite cost-of-living index (125)[1][4]. That index combines Census ACS rent, Zillow ZHVI, BLS CPI, and AdvisorSmith / ApartmentAdvisor inputs to produce one number per metro. When BLS publishes a separate metro-level wage (MSA-level OEWS), that takes priority — a handful of large metros including New York, LA, Chicago, and DC have this coverage.
On top of the gross wage, the standard US payroll stack applies: federal income tax using 2025 IRS brackets and the $15,000 single standard deduction[8], FICA (Social Security 6.2% up to $176,100 wage base + Medicare 1.45%)[9], and California state income tax at a 5.2% effective rate ($5,133/yr on the $97,910 median)[10].
Fontana also sits inside a larger metro labor market where commute patterns, remote-work policies, and adjacent-metro wages compete. Near-national unemployment means a balanced market — employers and candidates negotiate from roughly equal positions. Median household income in the metro is $78,200, which frames what "a good Financial Analyst salary" means locally: a $$97,910 wage pays about 125% of the median household income on a single earner.
The deterministic identity: take_home = gross − federal − state − FICA − pre_tax. All math runs client-side; nothing is sent to our servers.
Cost of Living Breakdown — Fontana
Estimated annual expense shares on a $72,298 take-home, using BLS Consumer Expenditure Survey baseline shares scaled to Fontana's COL index of 125. Housing uses the actual median rent.
BLS Consumer Expenditure Survey shares[1], scaled by Fontana's COL index of 125[4]. Housing uses actual median rent of $1,750/month.
Salary vs Housing Affordability in Fontana
Renting
Buying
At $6,025/mo take-home, the 30% rent rule caps housing at $1,808/mo. Fontana's typical 1–2BR rent runs $1,750/mo[5] (HUD 2BR FMR: $1,600/mo), making rent very affordable on a median Financial Analyst salary. For homebuyers, the 5.3× price-to-income ratio is workable with a strong credit profile and manageable other debts.
How Fontana Stacks Up for Financial Analysts
Against 283 major US cities: Fontana ranks #38 for nominal Financial Analyst salary, #188 for rent affordability, and #245 for overall purchasing power. High cost of living absorbs much of Fontana's nominal wage premium. Financial Analysts here often trade pay for lifestyle, proximity to employers, or family roots — consider nearby metros on a salary-to-COL basis.
Nearby Cities — Financial Analyst Salary Comparison
Fontana's closest metros, scaled by each city's cost-of-living index. Useful for relocation decisions where commute or remote-work policies allow a neighboring metro trade-off.
| City | Est. salary | COL | Rent | vs CA |
|---|---|---|---|---|
| Fontana, CA ★ | $97,910 | 125 | $1,750 | — |
| Los Angeles, CA | $172,810 | 173 | $2,050 | +76.5% |
| San Francisco, CA | $213,765 | 214 | $3,498 | +118.3% |
| San Jose, CA | $197,782 | 198 | $2,195 | +102.0% |
| San Diego, CA | $162,821 | 163 | $2,195 | +66.3% |
| Riverside, CA | $121,866 | 122 | $1,750 | +24.5% |
Financial Analyst Job Market in Fontana
Fontana has an estimated 48 annual Financial Analystopenings, extrapolated from the metro's share of 371,700 national Financial Analysts[1]. The 4.7% unemployment rate[3] is near the national average, with steady turnover across most sectors.
About the profession: Financial analysts guide investment decisions for businesses and individuals, analyzing financial data and market trends to recommend securities and strategies. Typical entry requirement: bachelor's degree. Projected growth through 2034: 9%[2].
Career Progression & Related Professions in Fontana
Early-career Financial Analysts in Fontana start around $54,893, reach the city median ($97,910) after 4–8 years, and hit 90th-percentile territory ($184,400) at senior / specialized levels.
Related finance professions in Fontana
Calculators for Financial Analysts in Fontana
Other professions in Fontana
Frequently Asked Questions — Financial Analyst in Fontana
How much does a Financial Analyst make in Fontana, CA?
The estimated median salary for a Financial Analyst in Fontana is $97,910/year, scaled from the BLS OEWS California state median ($87,880) by Fontana's composite cost-of-living index of 125 (US = 100). After federal, California state, and FICA taxes, take-home is approximately $72,298/year or $6,025/month.
Can a Financial Analyst afford to live in Fontana?
On $6,025/month take-home, the 30% rent rule affords $1,808/month. Fontana's Zillow ZORI median rent is $1,750/mo, HUD's 2BR Fair Market Rent is $1,600/mo. The rent-to-income ratio works out to 21.4%, making housing very affordable for a Financial Analyst at the local median. Home-buyers face 5.3× price-to-income, needing roughly 5.3 years to save a 20% down payment at a 20% savings rate.
How much tax does a Financial Analyst pay in Fontana?
On $97,910 gross, a Financial Analyst in Fontana pays approximately $12,989 in federal income tax (13.3% effective), $5,133 in California state income tax (5.2% effective), and $7,490 in FICA (Social Security + Medicare). Total effective rate: 26.2%. Some California cities levy local income taxes in addition; check your municipal DoR before filing.
How does Fontana rank for Financial Analyst salaries vs other cities?
Fontana ranks #38 out of 283 tracked metros for nominal Financial Analyst salary, #188 for rent affordability (rent-to-income), and #245 for purchasing power (salary ÷ COL). The high-purchasing-power cities tend to be mid-size metros with strong local employers and moderate housing costs; the low-ranked cities trade high nominal pay for steep rents.
What is the cost-of-living breakdown for a Financial Analyst in Fontana?
On $72,298 take-home, a reasonable baseline budget for Fontana looks like: housing $21,000/yr (29.0%); food $9,977/yr; transportation $7,953/yr; healthcare $5,440/yr; utilities $4,067/yr; savings + discretionary $23,861/yr. Numbers use BLS Consumer Expenditure Survey shares scaled to Fontana's COL index of 125 and the city's actual median rent.
What's the Financial Analyst job market like in Fontana?
Fontana's unemployment rate is 4.7% across the metro of 220,000. Estimated annual Financial Analyst openings: ~48 (extrapolated from 371,700 nationally employed and the metro's population share). The market is near national averages with steady turnover.
Do Fontana employers pay above or below the California median for Financial Analysts?
Not consistently — Fontana's estimated Financial Analyst median of $97,910 is 2.0% below the national median. The trade-off is usually lower rents and (in some cases) lower state taxes, which can leave real purchasing power competitive.
Methodology — How we compute this page
Wage estimate. The Fontana median is derived from the California state-level BLS OEWS median ($87,880), scaled by Fontana's composite cost-of-living index of 125. When BLS publishes a direct MSA-level wage for the occupation, that takes priority over the scaled state median. Percentile bands inherit the same scale factor.
Housing + rent. Median home value uses Zillow ZHVI; median rent prefers Zillow ZORI and falls back to Census ACS median gross rent. HUD Fair Market Rents (50th-percentile 2BR) are shown where HUD publishes the metro. Price-to-income and rent-to-income ratios use the estimated Financial Analystmedian (not the city's overall median household income) — to reflect the specific role-vs-city affordability picture.
Tax math. Federal tax uses 2025 IRS brackets and the $15,000 single standard deduction. FICA is Social Security 6.2% up to the $176,100 wage base + Medicare 1.45% (+ 0.9% Additional Medicare above $200,000). State tax uses California's 2026 brackets from the state DoR (mirrored via Tax Foundation where the DoR's publication is paywalled or split). Local income taxes (e.g. NYC, Portland-OR supplemental, OH municipal) are NOT included — check your municipal authority for specifics.
Cost of living. The 125index is the composite used by CalcFi's /data/cities.ts, which merges Census ACS, BLS CPI shelter, Zillow ZORI, and commercial COL estimators. The COL-adjusted salary on this page assumes the statewide RPP = 112.2(BEA) approximates the state's purchasing power; cities are then scaled relative to that.
Refresh cadence. BLS OEWS releases annually (typically March); BEA RPP releases annually in December; IRS brackets adjust in October; Zillow ZHVI/ZORI updates monthly; HUD FMR publishes annually in August for the upcoming fiscal year. The dateModified shown above auto-bumps to the most recent retrievedAt on any sourced value the page consumes.
Known limits. Metro-level OEWS coverage is partial — only ~50 large MSAs have separately published occupation wages; the rest inherit state-level estimates scaled by COL. Rent and home data may trail the real-time market by 1–3 months (Zillow) or 8–12 months (ACS). Rankings are capped to the city set in our dataset (283 metros), not every incorporated US city.
Sources
Every number on this page cites a primary public dataset. Last reviewed (auto-bumped on the next ISR refresh after an ETL run).
- BLS Occupational Employment and Wage Statistics (OEWS) — state-level occupational wages — www.bls.gov/oes. Retrieved 2026-04-19.
- BLS Employment Projections — 2024–34 occupational growth rates — www.bls.gov/emp. Retrieved 2026-04-19.
- BLS Local Area Unemployment Statistics — metro-level unemployment rate — www.bls.gov/lau. Retrieved 2026-04-19.
- Bureau of Economic Analysis — Regional Price Parities (state + metro) — www.bea.gov/data/prices-inflation/regional-price-parities-state-and-metro-area. Retrieved 2026-04-19.
- Zillow Research — ZHVI (home value index) + ZORI (observed rent index) — www.zillow.com/research/data. Retrieved 2026-04-19.
- HUD Fair Market Rents — 50th-percentile 2-bedroom FY — www.huduser.gov/portal/datasets/fmr.html. Retrieved 2026-04-19.
- U.S. Census Bureau — American Community Survey (ACS) 5-year estimates, metro level — www.census.gov/programs-surveys/acs. Retrieved 2026-04-19.
- Internal Revenue Service — Federal individual income tax brackets and standard deductions — www.irs.gov/forms-pubs/about-publication-17. Retrieved 2026-04-19.
- Social Security Administration — OASDI / Medicare contribution and wage-base rules — www.ssa.gov. Retrieved 2026-04-19.
- California Department of Revenue — 2026 individual income tax brackets (accessed via Tax Foundation mirror) — taxfoundation.org/data/all/state/state-income-tax-rates. Retrieved 2026-04-19.
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