Risk Analyst.
St. Louis.
$85,000
median salary, 11% below the national average
$64,000 to $111,000. Last updated April 2026.
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Data points to own the conversation.
A Risk Analyst in St. Louis earns a median of $85,000 in 2026. That is 11% below the national average. The range runs from $64,000 to $111,000, and where you land depends on your experience, your skills, and how well you negotiate. Risk domain specialization and quantitative skill depth drive salary variance.
Salary range
Where do you fall?
Salary by experience
The gap between entry and lead level is typically $77,000. Where you land depends on years of experience and what you bring to the table.
Entry (0-2 yrs)
$55,000
to $68,000
Mid (3-5 yrs)
$72,000
to $89,000
Senior (6-9 yrs)
$94,000
to $111,000
Lead (10+ yrs)
$106,000
to $132,000
Salary trend
+2% YoYTotal compensation
Base salary is not the full picture. Equity, bonus, and signing can add $23,000 to the total package.
Base
$85,000
Equity
$13,000
Bonus
$8,000
Signing
$2,000
Estimated total: $108,000
How St. Louis compares
St. Louis, MO
$85,000
Cost of living: 10% below average
National Average
$95,000
St. Louis is $10,000 below
Risk Analyst salary by city
Salary by role in St. Louis
What you should know
The Risk Analyst landscape in St. Louis is not what most salary sites will tell you. St. Louis offers one of the most affordable major metro areas in the country, with a strong base in healthcare, financial services, and manufacturing. The region's anchor employers include Boeing, Centene, and Washington University's medical campus. A growing biotech and plant sciences corridor centered on the Cortex Innovation District is attracting new investment and talent. 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 St. Louis, 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: missouri's top income tax rate is about 4.8%, and St. Louis City adds a 1% earnings tax. The low base cost of living means your after tax salary still stretches further than in most metros. When someone quotes you $85,000, ask what the total package looks like. The gap between base and total comp is where real money hides.
On negotiation: Emphasize your willingness to work in person at Cortex or the BJC campus. St. Louis employers offer higher packages for candidates who commit to the local innovation hubs. The range for Risk Analysts in St. Louis runs from $64,000 to $111,000. 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 Regulatory Affairs Specialist in St. Louis earns $84,000 (1% less)
- The highest-paying role in St. Louis is Chief AI Officer at $276,000
Common questions.
Risk Analyst salary in other cities
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