Evaluate, authorize, and recommend mortgage loan applications for real estate purchases. Median salary in Killeen: $58K/year. Data from BLS, O*NET, and H-1B disclosures.
Figures represent annual base salary in Killeen, Texas. Reviewed by SalaryOptics Editorial · How we calculate this →
Analysis derived from the salary, COL, tax, and labor-market figures above — specific to this role and city.
Mortgage Loan Officers in Killeen earn approximately 19% lower than the US national median for this role — a $14,000 discount on annual base salary. Killeen's lower wage level partially reflects the area's cost-of-living index of 80 (US avg = 100).
Texas has no state income tax, which is worth roughly $5,394 per year at this salary level compared to a California Mortgage Loan Officer on the same gross pay. A Killeen Mortgage Loan Officer would need to earn $63,947 in California to net the same take-home.
Average 1-bedroom rent in Killeen ($950/mo) consumes approximately 28% of an after-tax median Mortgage Loan Officer salary. Financial planners typically recommend keeping housing under 30% of take-home — a salary at the 75th percentile ($86K) brings that ratio into a more comfortable range here.
Based on BLS 2022–2032 Employment Projections and WEF Future of Jobs Report 2026. At current growth rates, median salary reaches $58K by 2030.
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The median Mortgage Loan Officer salary in Killeen, TX is $58,000 per year as of Q1 2026. This figure represents the midpoint of all reported compensation for this role in the Killeen–TX metropolitan area, based on data from the Bureau of Labor Statistics Occupational Employment Statistics, H-1B visa disclosures from the Department of Labor, and O*NET occupational data.
Entry-level Mortgage Loan Officers in Killeen with 0–2 years of experience typically earn between $38,000 and $58,000 annually. Mid-career professionals with 3–7 years command $58,000 to $86,000, while senior-level practitioners with 8+ years of experience regularly earn $86,000 to $130,000 or more.
Killeen has a cost of living index of 80 compared to the US national average of 100. This means your salary goes approximately 20% further in Killeen than the national average. Crucially, Texas has no state income tax — giving Killeen-based Mortgage Loan Officers an immediate 5–7% take-home pay advantage over workers in states like California (9.3%) or New York (6.85%).
Bachelor's; NMLS license required. 38% of these roles offer some remote flexibility.