AI Fintech Engineer.
Billings.
$172,000
median salary, 9% below the national average
$128,000 to $227,000. Last updated April 2026.
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Data points to own the conversation.
Billings is 11% cheaper than the national average. For AI Fintech Engineers, that shakes out to a median of $172,000, with the full range spanning $128,000 to $227,000. Pay scales with the revenue impact of models deployed. Know the range before you walk in.
Salary range
Where do you fall?
Salary by experience
The gap between entry and lead level is typically $155,000. Where you land depends on years of experience and what you bring to the table.
Entry (0-2 yrs)
$112,000
to $138,000
Mid (3-5 yrs)
$146,000
to $181,000
Senior (6-9 yrs)
$189,000
to $224,000
Lead (10+ yrs)
$215,000
to $267,000
Salary trend
+10% YoYTotal compensation
Base salary is not the full picture. Equity, bonus, and signing can add $84,000 to the total package.
Base
$172,000
Equity
$52,000
Bonus
$22,000
Signing
$10,000
Estimated total: $256,000
How Billings compares
Billings, MT
$172,000
Cost of living: 11% below average
National Average
$188,000
Billings is $16,000 below
AI Fintech Engineer salary by city
Salary by role in Billings
What you should know
The AI Fintech Engineer landscape in Billings is not what most salary sites will tell you. Billings is Montana's largest city and economic hub, driven by energy, agriculture, and healthcare. The city serves as a regional center for the Northern Plains. Remote work has brought a wave of tech professionals seeking Montana's quality of life, gradually diversifying the local job market. Pay scales with the revenue impact of models deployed. Engineers building real-time fraud detection, algorithmic trading, or credit risk systems at major banks and hedge funds earn significantly more. Regulatory knowledge around SOX and Basel III compliance adds further premium.
Junior ML engineers in finance start around $120,000. Senior AI fintech engineers earn $180,000 to $220,000. Quant research leads and heads of AI at financial institutions reach $300,000 to $450,000 including bonuses. In Billings, your dollars stretch further. Cost of living runs 11% below the national average, which means even a median salary buys a stronger lifestyle.
Base salary is not the full picture. Finance sector bonuses often reach 25% to 50% of base salary. Hedge fund and prop trading roles may include profit-sharing. RSUs at public fintech firms add substantial long-term value. And on the tax side: montana has a top income tax rate of 5.9% but no state sales tax. Billings has no city income tax. The no sales tax benefit helps offset the state income tax. When someone quotes you $172,000, ask what the total package looks like. The gap between base and total comp is where real money hides.
On negotiation: Negotiate remote work arrangements. Billings employers are increasingly open to remote and hybrid setups to attract talent from larger metros. The range for AI Fintech Engineers in Billings runs from $128,000 to $227,000. That is not a narrow window. Where you land inside it depends almost entirely on whether you negotiate and how well you prepare.
Sources: SEC filings, H-1B LCA (DOL), BLS OES, 50+ job posting platforms. COL: BEA Regional Price Parities (2025). Data verified by Justin Bartak, Founder & Chief AI Officer. Last verified April 8, 2026. Full methodology
Considering a related role?
- A AI Infrastructure Engineer in Billings earns $171,000 (1% less)
- The highest-paying role in Billings is Chief AI Officer at $287,000
Common questions.
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