Risk Analyst.
Houston.
$95,000
median salary, at the national average
$72,000 to $125,000. Last updated April 2026.
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Data points to own the conversation.
Risk Analyst pay in Houston ranges from $72,000 to $125,000 in 2026. The median is $95,000, right at the national average. Houston's economy is deeply rooted in energy, with a growing presence in healthcare, aerospace, and technology. Every dollar in that range is negotiable if you come prepared.
Salary range
Where do you fall?
Salary by experience
The gap between entry and lead level is typically $85,000. Where you land depends on years of experience and what you bring to the table.
Entry (0-2 yrs)
$62,000
to $76,000
Mid (3-5 yrs)
$81,000
to $100,000
Senior (6-9 yrs)
$105,000
to $124,000
Lead (10+ yrs)
$119,000
to $147,000
Salary trend
+3% YoYTotal compensation
Base salary is not the full picture. Equity, bonus, and signing can add $25,000 to the total package.
Base
$95,000
Equity
$14,000
Bonus
$9,000
Signing
$2,000
Estimated total: $120,000
How Houston compares
Houston, TX
$95,000
Cost of living: 3% below average
National Average
$95,000
Same as local rate
Risk Analyst salary by city
Salary by role in Houston
What you should know
If you are interviewing for Risk Analyst roles in Houston, here is what you are walking into. Houston's economy is deeply rooted in energy, with a growing presence in healthcare, aerospace, and technology. The Texas Medical Center is the world's largest, driving massive demand for clinical and research roles. Houston's low cost of living and no state income tax make it an attractive destination for professionals seeking strong purchasing power. Risk domain specialization and quantitative skill depth drive salary variance. Market risk and credit risk analysts at large banks earn 15 to 25% more than operational risk analysts. Proficiency in Python, R, SAS, and Monte Carlo simulation techniques separates higher-paid analysts from those using primarily spreadsheet-based approaches.
Junior risk analysts start at $62,000 to $78,000. Mid-level risk analysts earn $85,000 to $115,000. Senior risk analysts and team leads reach $115,000 to $150,000. Risk managers earn $140,000 to $190,000, with chief risk officers at large institutions commanding $250,000 to $500,000. In Houston, cost of living sits near the national average, so the numbers you see are roughly what you keep.
Base salary is not the full picture. Annual bonuses of 10 to 25% are standard, with banking sector risk analysts earning the highest variable pay. Total compensation at bulge bracket banks can reach $130,000 to $180,000 for mid-level analysts. Some firms offer deferred compensation tied to risk management outcomes. And on the tax side: texas has no state income tax, giving Houston workers strong take home pay. The city's overall cost of living is below the national average, further stretching your salary. When someone quotes you $95,000, ask what the total package looks like. The gap between base and total comp is where real money hides.
On negotiation: Emphasize industry specialization in energy or healthcare. Houston employers pay significant premiums for domain expertise in these sectors over generalist candidates. The range for Risk Analysts in Houston runs from $72,000 to $125,000. 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 Chemical Engineer in Houston earns $94,000 (1% less)
- The highest-paying role in Houston is Chief AI Officer at $295,000
Common questions.
Risk Analyst salary in other cities
Other salaries in Houston
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