Financial Analyst Salary in Gainesville, FL: Median $66,153 in 2026
Gainesville (FL) · COL index 92 · Unemployment 3.3% · Metro pop 330,000 · Rank #181 of 283 for Financial Analyst salary
A Financial Analyst in Gainesville earns an estimated median of $66,153 per year. That figure starts from the Florida state-level BLS Occupational Employment and Wage Statistics median[1]($74,520) and scales it by Gainesville's composite cost-of-living index of 92 (US = 100). The 10th percentile comes in around $35,988; the 90th percentile reaches $117,179. After federal, Florida state (no state income tax), and FICA taxes, a single-filer Financial Analyst takes home approximately $55,091/year — about $4,591/month or $2,119 every other week.
Compared to the national Financial Analyst median of $99,890, Gainesville pays -33.8%. Relative to the Gainesville median household income of $47,000, a Financial Analystsalary runs +40.8%. Local unemployment is 3.3%[3], with an estimated 55 annual Financial Analyst openings inferred from metro population share and national employment (371,700).
Financial Analyst Snapshot — Gainesville (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 | Gainesville | National | Source |
|---|---|---|---|
| Financial Analyst median salary | $66,153 | $99,890 | [1] |
| 10th percentile | $35,988 | $71,710 | [1] |
| 90th percentile | $117,179 | $188,870 | [1] |
| Annual take-home (single filer) | $55,091 | — | [8][10] |
| Median home value (ZHVI) | $303,267 | — | [5] |
| Median rent (ZORI) | $1,645/mo | — | [5] |
| HUD Fair Market Rent (2BR) | $1,525/mo | — | [6] |
| Median household income (ACS) | $58,946 | — | [7] |
| Cost-of-living index | 92.0 | 100.0 | [4] |
| Unemployment rate | 3.3% | — | [3] |
How Financial Analyst Salaries Work in Gainesville
City-level wages aren't published directly by BLS for most SOC codes. We build them by anchoring to the Florida state-level OEWS median ($74,520) and scaling by Gainesville's composite cost-of-living index (92)[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 no Florida state income tax — a meaningful wedge worth $3,308–$4,631 per year vs average-tax states[10].
Gainesville also sits inside a larger metro labor market where commute patterns, remote-work policies, and adjacent-metro wages compete. A tight labor market (unemployment below 4%) gives candidates pricing power in negotiations. Median household income in the metro is $58,946, which frames what "a good Financial Analyst salary" means locally: a $$66,153 wage pays about 112% 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 — Gainesville
Estimated annual expense shares on a $55,091 take-home, using BLS Consumer Expenditure Survey baseline shares scaled to Gainesville's COL index of 92. Housing uses the actual median rent.
BLS Consumer Expenditure Survey shares[1], scaled by Gainesville's COL index of 92[4]. Housing uses actual median rent of $1,150/month.
Salary vs Housing Affordability in Gainesville
Renting
Buying
At $4,591/mo take-home, the 30% rent rule caps housing at $1,377/mo. Gainesville's typical 1–2BR rent runs $1,645/mo[5] (HUD 2BR FMR: $1,525/mo), making rent very affordable on a median Financial Analyst salary. For homebuyers, the 3.9× price-to-income ratio is comfortable — a median {p.title} salary supports the median home in {city.name} well inside standard lender DTI caps.
How Gainesville Stacks Up for Financial Analysts
Against 283 major US cities: Gainesville ranks #181 for nominal Financial Analyst salary, #138 for rent affordability, and #102 for overall purchasing power. High cost of living absorbs much of Gainesville'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
Gainesville'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 FL |
|---|---|---|---|---|
| Gainesville, FL ★ | $66,153 | 92 | $1,150 | — |
| Miami, FL | $130,856 | 131 | $1,951 | +97.8% |
| Tampa, FL | $107,881 | 108 | $1,435 | +63.1% |
| Orlando, FL | $103,886 | 104 | $1,314 | +57.0% |
| Jacksonville, FL | $95,894 | 96 | $1,098 | +45.0% |
| Cape Coral, FL | $106,882 | 107 | $1,600 | +61.6% |
Financial Analyst Job Market in Gainesville
Gainesville has an estimated 55 annual Financial Analystopenings, extrapolated from the metro's share of 371,700 national Financial Analysts[1]. The 3.3% unemployment rate[3] signals a competitive labor market where skilled professionals can push for top-of-band offers.
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 Gainesville
Early-career Financial Analysts in Gainesville start around $35,988, reach the city median ($66,153) after 4–8 years, and hit 90th-percentile territory ($117,179) at senior / specialized levels.
Related finance professions in Gainesville
Calculators for Financial Analysts in Gainesville
Other professions in Gainesville
Frequently Asked Questions — Financial Analyst in Gainesville
How much does a Financial Analyst make in Gainesville, FL?
The estimated median salary for a Financial Analyst in Gainesville is $66,153/year, scaled from the BLS OEWS Florida state median ($74,520) by Gainesville's composite cost-of-living index of 92 (US = 100). After federal, Florida state, and FICA taxes, take-home is approximately $55,091/year or $4,591/month.
Can a Financial Analyst afford to live in Gainesville?
On $4,591/month take-home, the 30% rent rule affords $1,377/month. Gainesville's Zillow ZORI median rent is $1,645/mo, HUD's 2BR Fair Market Rent is $1,525/mo. The rent-to-income ratio works out to 20.9%, making housing very affordable for a Financial Analyst at the local median. Home-buyers face 3.9× price-to-income, needing roughly 3.9 years to save a 20% down payment at a 20% savings rate.
How much tax does a Financial Analyst pay in Gainesville?
On $66,153 gross, a Financial Analyst in Gainesville pays approximately $6,002 in federal income tax (9.1% effective), $0 in state income tax (Florida has no state individual income tax), and $5,060 in FICA (Social Security + Medicare). Total effective rate: 16.7%. Some Florida cities levy local income taxes in addition; check your municipal DoR before filing.
How does Gainesville rank for Financial Analyst salaries vs other cities?
Gainesville ranks #181 out of 283 tracked metros for nominal Financial Analyst salary, #138 for rent affordability (rent-to-income), and #102 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 Gainesville?
On $55,091 take-home, a reasonable baseline budget for Gainesville looks like: housing $13,800/yr (25.0%); food $6,294/yr; transportation $5,333/yr; healthcare $3,764/yr; utilities $2,644/yr; savings + discretionary $23,256/yr. Numbers use BLS Consumer Expenditure Survey shares scaled to Gainesville's COL index of 92 and the city's actual median rent.
What's the Financial Analyst job market like in Gainesville?
Gainesville's unemployment rate is 3.3% across the metro of 330,000. Estimated annual Financial Analyst openings: ~55 (extrapolated from 371,700 nationally employed and the metro's population share). The tight labor market favors candidates in salary negotiations.
Do Gainesville employers pay above or below the Florida median for Financial Analysts?
Not consistently — Gainesville's estimated Financial Analyst median of $66,153 is 33.8% 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 Gainesville median is derived from the Florida state-level BLS OEWS median ($74,520), scaled by Gainesville's composite cost-of-living index of 92. 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 Florida'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 92index 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 = 103.6(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 2026-06-03.
- BLS Employment Projections — 2024–34 occupational growth rates — www.bls.gov/emp. Retrieved 2026-06-03.
- BLS Local Area Unemployment Statistics — metro-level unemployment rate — www.bls.gov/lau. Retrieved 2026-06-03.
- Bureau of Economic Analysis — Regional Price Parities (state + metro) — www.bea.gov/data/prices-inflation/regional-price-parities-state-and-metro-area. Retrieved 2026-06-03.
- Zillow Research — ZHVI (home value index) + ZORI (observed rent index) — www.zillow.com/research/data. Retrieved 2026-06-03.
- HUD Fair Market Rents — 50th-percentile 2-bedroom FY — www.huduser.gov/portal/datasets/fmr.html. Retrieved 2026-06-03.
- U.S. Census Bureau — American Community Survey (ACS) 5-year estimates, metro level — www.census.gov/programs-surveys/acs. Retrieved 2026-06-03.
- Internal Revenue Service — Federal individual income tax brackets and standard deductions — www.irs.gov/forms-pubs/about-publication-17. Retrieved 2026-06-03.
- Social Security Administration — OASDI / Medicare contribution and wage-base rules — www.ssa.gov. Retrieved 2026-06-03.
- Florida Department of Revenue — 2026 individual income tax brackets (accessed via Tax Foundation mirror) — taxfoundation.org/data/all/state/state-income-tax-rates. Retrieved 2026-06-03.
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