United States · Pay by job · Business and Finance
Credit Counselor salary and take-home pay
The typical US credit counselor earns $52,230 a year, or $25.11 an hour (BLS, May 2025). In Texas, where the median for this job is $48,220, a single filer keeps about $40,925 a year after federal income tax, Social Security and Medicare.
BLS title: Credit Counselors (SOC 13-2071). Source: U.S. Bureau of Labor Statistics, OEWS May 2025.
How much does a credit counselor earn?
| Percentile | Bar | A year | An hour |
|---|---|---|---|
| 10th | $38,350 | $18.44 | |
| 25th | $45,720 | $21.98 | |
| Median | $52,230 | $25.11 | |
| 75th | $64,080 | $30.81 | |
| 90th | $80,440 | $38.67 |
The middle half of people in this job earn $45,720 to $64,080 a year, and about 27,770 people do it across the US (BLS, May 2025).
Take-home pay tool
Credit Counselor · Texas · single · median
$40,924.77 a year after tax
$3,410.40 a month · $1,574.03 a paycheck (every two weeks)
| Pay before tax | $48,220.00 |
|---|---|
| Federal income tax | −$3,606.40 |
| Social Security and Medicare | −$3,688.83 |
| Texas tax and payroll contributions | none |
| Take-home pay | $40,924.77 |
Pay: the median for this job in Texas, $48,220 a year (BLS). One job, standard deduction, nothing taken before tax, the year’s tax spread over 26 paychecks.
What does a credit counselor take home at each pay point?
A single filer on the national figures, paid every two weeks, with nothing taken before tax:
| Pay a year | Texas | California | New York | |
|---|---|---|---|---|
| 10th | $38,350 | $32,994 | $32,013 | $31,323 |
| 25th | $45,720 | $38,916 | $37,545 | $36,815 |
| Median | $52,230 | $44,147 | $42,361 | $41,667 |
| 75th | $64,080 | $53,668 | $51,017 | $50,497 |
| 90th | $80,440 | $65,420 | $61,274 | $61,294 |
Take-home after federal income tax, Social Security, Medicare and state tax for 2026. New York is outside New York City.
Where does a credit counselor keep the most after tax?
Our 19 states, ranked by take-home pay on each state’s own median for this job (single filer). Only these 19 states have take-home figures so far.
| Rank | State | Median pay | Take-home |
|---|---|---|---|
| 1 | California | $67,120 | $53,142 |
| 2 | Washington | $62,360 | $51,421 |
| 3 | Georgia | $64,080 | $51,219 |
| 4 | New York | $63,030 | $49,714 |
| 5 | New Hampshire | $58,830 | $49,450 |
| 6 | Pennsylvania | $58,330 | $47,217 |
| 7 | Nevada | $55,480 | $46,758 |
| 8 | New Jersey | $57,180 | $46,082 |
| 9 | Ohio | $51,160 | $42,324 |
| 10 | Michigan | $52,160 | $42,125 |
| 11 | Illinois | $51,930 | $41,480 |
| 12 | South Dakota | $48,890 | $41,463 |
| 13 | Virginia | $51,550 | $41,450 |
| 14 | Texas | $48,220 | $40,925 |
| 15 | Florida | $46,300 | $39,382 |
| 16 | North Carolina | $46,180 | $37,952 |
| 17 | Wyoming | $42,580 | $36,393 |
| 18 | Tennessee | $38,730 | $33,300 |
Not ranked, because BLS released no median there: Alaska.
How much does a credit counselor earn in each state?
| State | Median pay | People in the job | Take-home (single) |
|---|---|---|---|
| Alabama | $48,120 | not released | not yet |
| Alaska | not released | not released | – |
| Arizona | $51,480 | 980 | not yet |
| Arkansas | $45,060 | 50 | not yet |
| California | $67,120 | 2,160 | $53,142 (#1) |
| Colorado | $57,130 | 360 | not yet |
| Connecticut | $54,710 | 100 | not yet |
| Delaware | $52,840 | 40 | not yet |
| District of Columbia | $63,580 | 110 | not yet |
| Florida | $46,300 | 2,410 | $39,382 (#15) |
| Georgia | $64,080 | 460 | $51,219 (#3) |
| Hawaii | not released | not released | not yet |
| Idaho | $51,130 | 90 | not yet |
| Illinois | $51,930 | 1,170 | $41,480 (#11) |
| Indiana | $48,180 | 740 | not yet |
| Iowa | $48,130 | 440 | not yet |
| Kansas | not released | not released | not yet |
| Kentucky | $48,150 | 220 | not yet |
| Louisiana | $47,250 | 130 | not yet |
| Maine | $55,490 | 170 | not yet |
| Maryland | $60,450 | 350 | not yet |
| Massachusetts | $63,240 | 770 | not yet |
| Michigan | $52,160 | 1,260 | $42,125 (#10) |
| Minnesota | $62,160 | 580 | not yet |
| Mississippi | $45,990 | 210 | not yet |
| Missouri | $30,580 | not released | not yet |
| Montana | not released | not released | not yet |
| Nebraska | $62,510 | 260 | not yet |
| Nevada | $55,480 | 170 | $46,758 (#7) |
| New Hampshire | $58,830 | 170 | $49,450 (#5) |
| New Jersey | $57,180 | 530 | $46,082 (#8) |
| New Mexico | $50,390 | 200 | not yet |
| New York | $63,030 | 2,020 | $49,714 (#4) |
| North Carolina | $46,180 | 320 | $37,952 (#16) |
| North Dakota | $52,220 | 30 | not yet |
| Ohio | $51,160 | 890 | $42,324 (#9) |
| Oklahoma | $46,950 | 230 | not yet |
| Oregon | $59,150 | 280 | not yet |
| Pennsylvania | $58,330 | 1,110 | $47,217 (#6) |
| Rhode Island | $58,480 | 130 | not yet |
| South Carolina | $53,190 | 250 | not yet |
| South Dakota | $48,890 | not released | $41,463 (#12) |
| Tennessee | $38,730 | 950 | $33,300 (#18) |
| Texas | $48,220 | 3,950 | $40,925 (#14) |
| Utah | $51,330 | 190 | not yet |
| Vermont | not released | not released | not yet |
| Virginia | $51,550 | 760 | $41,450 (#13) |
| Washington | $62,360 | 560 | $51,421 (#2) |
| West Virginia | $45,860 | 150 | not yet |
| Wisconsin | $52,140 | 770 | not yet |
| Wyoming | $42,580 | 40 | $36,393 (#17) |
Median yearly pay for this job in each state, from BLS. Take-home and its rank are for the 19 states with a take-home engine so far. Each linked state shows its highest-paying jobs after tax.
What is the job outlook for a credit counselor?
BLS expects jobs as a credit counselor to grow 3.3% from 2025 to 2035, with about 2,000 openings a year (BLS Employment Projections 2025–35).
- Job growth, 2025 to 2035
- +3.3%
- Openings a year
- about 2,000
- Usual education
- Bachelor's degree
- Work experience
- None
- On-the-job training
- Moderate-term on-the-job training
What do similar jobs pay?
The 10 business and finance jobs closest in pay to a credit counselor:
- Buyer and Purchasing Agent median $77,710
- Loan Officer median $76,690
- Human Resources Specialist median $75,940
- Fundraiser median $72,550
- Training and Development Specialist median $69,280
- Property Appraiser and Assessor median $67,960
- Tax Examiner and Revenue Agent median $62,370
- Event Planner median $61,160
- Farm Labor Contractor median $58,460
- Tax Preparer median $54,920
Every job in the group: Business and Finance jobs. Not sure which job suits you? Try the free career test.
What else can I work out?
- Your paycheck on $52,230, with any pay schedule, 401(k) or HSA.
- Hourly to salary: $25.11 an hour as a yearly salary.
- Your 2026 tax refund on $52,230, with the new deductions for tips and overtime.
Where do these figures come from?
Pay is the BLS estimate for all employers in May 2025 (the latest), and the outlook is from BLS Employment Projections 2025–35. Your own pay depends on your employer, area and experience. Take-home is our estimate for 2026: one job, the standard deduction, nothing taken before tax, from the same engine as our paycheck calculator.
Source: U.S. Bureau of Labor Statistics, OEWS May 2025: Occupational Employment and Wage Statistics tables (BLS); Employment Projections tables (BLS). This site is independent and not part of the BLS.
Questions about credit counselor pay
How much does a credit counselor make an hour?
The median is $25.11 an hour (BLS, May 2025). The middle half earn $21.98 to $30.81, and the top 10% earn $38.67 or more.
Which state pays a credit counselor the most?
Among the 50 states and DC, California has the highest median for this job: $67,120 a year (BLS). After tax, of the 19 states we cover, California leaves the most: $53,142 a year for a single filer on its median of $67,120.
What is a credit counselor’s take-home pay?
On the national median of $52,230, a single filer keeps about $44,147 a year in Texas (no state income tax), $42,361 in California and $41,667 in New York outside New York City, after federal income tax, Social Security, Medicare and state tax. Pick your state in the tool above.
What education do you need to be a credit counselor?
BLS lists a bachelor's degree as the usual way in, with no work experience in a related job and moderate-term on-the-job training (more than a month, up to a year).
Is the number of credit counselor jobs growing?
BLS expects jobs as a credit counselor to grow 3.3% from 2025 to 2035, with about 2,000 openings a year (BLS Employment Projections 2025–35).