How much does a Financial Analyst make in Hawaii?

BLS reports a median annual wage of $86,100 for Financial Analysts in Hawaii as of the latest OES release. That is the 50th-percentile figure — half earn more, half earn less. The 25th-percentile is $69,680 and the 75th-percentile is $101,560.

What is the real (cost-adjusted) Financial Analyst salary in Hawaii?

After BEA RPP adjustment (regional price parity index 109.7 for Hawaii), the real-wage equivalent is $78,485 — what the $86,100 nominal salary actually buys. Quartiles in real terms: $63,517 to $92,577.

Why is the BEA RPP for Hawaii different from a single CPI number?

BEA splits regional price parity into three components — goods, services, and rents — reweighted to the BEA's national consumption basket. Hawaii's overall index of 109.7 reflects rents 128.7, services 191.7, and goods 110.3.

Should I negotiate based on the BLS median for Hawaii?

The BLS median is a calibration anchor, not a ceiling. Use it to validate that an offer is in-band — anything well below the P25 in this state is a flag, anything above the P75 typically requires demonstrable specialty depth, niche credentials, or a high-COL metro within Hawaii.

When does this data update?

BLS OES releases a new May reference set roughly each spring; we re-run the ETL pipeline within two weeks of release. BEA RPP refreshes annually. The last-synced timestamp at the top of this page reflects the most recent build.

Does BLS financial analyst pay in Hawaii include investment-banking bonuses?

BLS OEWS captures W-2 wage and salary income — which includes annual cash bonuses paid through payroll. So sell-side IB analyst-level bonuses, equity-research bonuses, and FP&A annual incentives all show up in the BLS figure. What's NOT included: deferred stock, unvested RSU grants, partnership distributions to senior associates and above, and post-tax-year 'true-up' bonuses paid through 1099. In Hawaii, this means BLS reasonably represents junior analyst total comp but increasingly understates senior comp once equity becomes a meaningful share — gap widens at the P90 band.

Does CFA charterholder status raise financial analyst pay in Hawaii?

CFA Institute survey data and industry comp reports typically show a 10-20% pay premium for CFA charterholders over non-charterholders at comparable seniority — though the causal share (vs. selection effect: higher-track analysts pursue CFA) is debated. In Hawaii, the CFA premium is largest in equity research, portfolio management, and credit analysis roles where the credential is functionally required at the senior level; in IB and corporate finance the premium is smaller and substitutable with MBA. The 4-year, three-exam CFA path costs $3-5K in fees and 900-1,000 study hours, so the realized ROI in Hawaii depends heavily on whether the role values the credential for promotion vs. just hiring.

Financial Analyst Pay in Hawaii: $86K Median + Purchasing Power (2026)

TL;DR

Financial Analysts in Hawaii earn a BLS median of $86,100, with real take-home of $78,485 after BEA RPP adjustment.
Wage envelope: $62,250 (P10) to $121,290 (P90), with quartiles at $69,680 and $101,560.
Cost adjustment is small — neither an arbitrage state nor a high-cost penalty.
State ranks #36 nationally on nominal wage, #49 on real (RPP-adjusted) wage.

Wage breakdown — Hawaii

Percentile	Nominal (BLS)	Real (BEA RPP-adjusted)
P10 (entry tier)	$62,250	$56,744
P25 (lower quartile)	$69,680	$63,517
P50 (median)	$86,100	$78,485
P75 (upper quartile)	$101,560	$92,577
P90 (top tier)	$121,290	$110,562
Mean	$89,090	$81,210
Employment	490 Financial Analysts in Hawaii

Cost of living — BEA Regional Price Parity

Component	Hawaii index (US = 100)
All-items RPP	109.7
Goods	110.3
Services	191.7
Rents	128.7

Hawaii is a high-cost state — RPP 109.7 above the national 100 baseline. Most of the cost premium routes through rents (128.7) and services (191.7).

After-tax take-home — Hawaii (2024 BLS · 2024 tax year, single filer)

Layer-by-layer take-home math at the BLS median

Layer	Amount	Note
Gross BLS P50 (Financial Analyst)	$86,100	nominal median
Federal income tax	−$10,189	11.8% effective; std deduction $15,750 applied
State income tax	−$6,175	1.4–11% (12 brackets)
FICA (SS 6.2% + Medicare 1.45%)	−$6,587	SS capped at $183,600 wage base
Take-home (after-tax)	$63,149	73.3% of gross
Real take-home (RPP-adjusted)	$57,564	÷ (109.7 / 100) BEA cost-of-living

What the Hawaii state-tax burden means for Financial Analyst take-home

Hawaii carries one of the heavier state-tax loads in the country at this income tier (7.2% effective on the BLS median). Combined with federal and FICA, gross-to-take-home spread is 26.7%, leaving $63,149 pre-RPP and $57,564 after the 109.7 cost-of-living index — a $28,536 gap from the headline gross.

Computed from 2026 IRS federal brackets (Rev. Proc. 2025-32), 2026 state DOR brackets, and 2026 FICA rates. Single filer, standard deduction, no other adjustments. See methodology · tax for limitations (married filers, ITM/SALT itemizers, retirement deferrals, HSA, dependent credits, etc.).

National context

Across the United States, BLS reports a national median of $101,350 for Financial Analysts with mean pay of $116,490 and total employment of 340,580. Hawaii sits at #36 on nominal pay and #49 on real (cost-adjusted) pay among the 51 states and DC. After cost adjustment, Hawaii falls 13 positions — the cost premium eats into the headline wage.

Frequently asked questions

How much does a Financial Analyst make in Hawaii?: BLS reports a median annual wage of $86,100 for Financial Analysts in Hawaii as of the latest OES release. That is the 50th-percentile figure — half earn more, half earn less. The 25th-percentile is $69,680 and the 75th-percentile is $101,560.
What is the real (cost-adjusted) Financial Analyst salary in Hawaii?: After BEA RPP adjustment (regional price parity index 109.7 for Hawaii), the real-wage equivalent is $78,485 — what the $86,100 nominal salary actually buys. Quartiles in real terms: $63,517 to $92,577.
Why is the BEA RPP for Hawaii different from a single CPI number?: BEA splits regional price parity into three components — goods, services, and rents — reweighted to the BEA's national consumption basket. Hawaii's overall index of 109.7 reflects rents 128.7, services 191.7, and goods 110.3.
Should I negotiate based on the BLS median for Hawaii?: The BLS median is a calibration anchor, not a ceiling. Use it to validate that an offer is in-band — anything well below the P25 in this state is a flag, anything above the P75 typically requires demonstrable specialty depth, niche credentials, or a high-COL metro within Hawaii.
When does this data update?: BLS OES releases a new May reference set roughly each spring; we re-run the ETL pipeline within two weeks of release. BEA RPP refreshes annually. The last-synced timestamp at the top of this page reflects the most recent build.
Does BLS financial analyst pay in Hawaii include investment-banking bonuses?: BLS OEWS captures W-2 wage and salary income — which includes annual cash bonuses paid through payroll. So sell-side IB analyst-level bonuses, equity-research bonuses, and FP&A annual incentives all show up in the BLS figure. What's NOT included: deferred stock, unvested RSU grants, partnership distributions to senior associates and above, and post-tax-year 'true-up' bonuses paid through 1099. In Hawaii, this means BLS reasonably represents junior analyst total comp but increasingly understates senior comp once equity becomes a meaningful share — gap widens at the P90 band.
Does CFA charterholder status raise financial analyst pay in Hawaii?: CFA Institute survey data and industry comp reports typically show a 10-20% pay premium for CFA charterholders over non-charterholders at comparable seniority — though the causal share (vs. selection effect: higher-track analysts pursue CFA) is debated. In Hawaii, the CFA premium is largest in equity research, portfolio management, and credit analysis roles where the credential is functionally required at the senior level; in IB and corporate finance the premium is smaller and substitutable with MBA. The 4-year, three-exam CFA path costs $3-5K in fees and 900-1,000 study hours, so the realized ROI in Hawaii depends heavily on whether the role values the credential for promotion vs. just hiring.

Sources & methodology

U.S. Bureau of Labor Statistics — Occupational Employment and Wage Statistics (OES), SOC 13-2051, 2024 reference period.
U.S. Bureau of Economic Analysis — Regional Price Parities, 2023 vintage (all-items, goods, services, rents).
Real-wage figures = nominal BLS wage ÷ (state RPP / 100).
See the methodology page for full computation details and limitations.

By Marcus Liang · Founder & Editor · Last synced 2026-05-05.

Cross-comparison: see how Hawaii Financial Analyst pay ranks against the other 254 state × occupation pages on the Real Wage Atlas → — four-way ranking by real wage, after-tax take-home, state-tax savings, and cost-of-living arbitrage.