Credit Analysts
What the pay figures show
- New York comes first for credit analysts on every measure. $133,270 on paper. Still first after tax. Still first at $88,494 once you adjust for what things cost. When the headline and the reality agree, say so plainly.
- For credit analysts, New York's $133,270 median is the highest nominally, after tax, and after regional price adjustment, at $88,494. Concordance across all three measures is uncommon and worth stating explicitly, because the absence of a reordering is itself the finding for this occupation.
Compare this career across states
Choose your filing status and local taxes, compare pay, and keep a shortlist.Compare wage and personal-pay outcomes by state, with selected resident local taxes and saved career choices.
Pay by state · May 2025 wages · tax year 2026
National median
$83,510
People doing it
64,390
Highest paid
$133,270
NY
Best off, really
$88,494
NY, after tax and prices
Lowest tenth
$56,250
Highest tenth
$169,230
Lowest, really
$51,780
WV
States with data
51
National average
$100,850
mean, not median
Prices where it goes furthest
107.63%
NY, against a national 100
Where this job actually pays best
- Pay for this job roughly doubles depending on the state. That is a lot. Some of it is prices, because dear places pay more to make up for costing more. Most of it is not. In real money the range is still $51,780 to $88,494.
- This is a small job: about 64,390 people nationally. Fewer workers means each state figure is built on less data.
- No gaps here — all 51 jurisdictions publish a number for this job, which sits at $83,510 in the middle.
- Interstate variation in credit analysts pay approaches twofold nominally. The standard explanation — that high-wage states are merely high-cost states — is only partly supported here: after tax and price adjustment the range remains $51,780 to $88,494, so the majority of the gap represents a real difference in what the work buys.
- With 64,390 workers, credit analysts is among the smaller occupations BLS publishes. Treat single-state figures as indicative rather than precise; suppression and sampling error both bite harder at this scale.
- 51 jurisdictions report credit analysts, giving full coverage. The extremes quoted above are therefore the true reported maximum and minimum.
Pay band: Credit Analysts
The national median for this job
50thpercentile, roughly
| Lowest tenth earn under | $56,250 |
|---|---|
| Half earn under | $83,510 |
| Top tenth earn over | $169,230 |
| This salary | $83,510 |
Positions between the published tenth, quarter, half, three-quarter and ninetieth points are estimated by straight line.
Where these numbers come from
| BLS Occupational Employment and Wage Statistics (OEWS), May 2025 estimates, time-series bulk download (oe.data.0.Current) | as of 2025-05-01 |
|---|
Steps in Credit Analysts
The national median for this job
$83,510around the 50th percentile
| Lowest tenth | $56,250 |
|---|---|
| Middle | $83,510 |
| Top tenth | $169,230 |
The five points BLS publishes. Nothing between them is invented.
Credit Analysts, state by state
The national median for this job
51states publish pay for this job
| Lowest | West Virginia · $57,320 |
|---|---|
| Highest | New York · $133,270 |
| Spread | $75,950 |
One dot per state that publishes this job. A missing state means suppressed data, not zero pay.
Best paid, and best off
The national median for this job
| Texas pays | $78,730 |
|---|---|
| Worth, after local prices | $81,019 |
Median pay against the same pay once BEA price parities are applied.
Every state, three ways
Sorted by what the money is actually worth. "Kept" is take-home for a single filer after federal, FICA and state income tax. "Really worth" divides that by the state's own price level, so a dollar in each row buys the same thing. Tap a state to put your own salary into it. States BLS does not publish for this job are absent — that means no published figure, not no work.
| State | Median pay | Kept after tax | Really worth |
|---|---|---|---|
| NY | $133,270 | $95,242 | $88,494 |
| DC | $132,590 | $93,590 | $84,464 |
| NC | $94,570 | $72,095 | $76,584 |
| VA | $102,430 | $75,760 | $75,197 |
| DE | $94,680 | $70,420 | $70,949 |
| CT | $98,230 | $73,282 | $70,675 |
| NJ | $100,940 | $75,601 | $69,434 |
| ND | $74,810 | $61,259 | $69,163 |
| OH | $79,720 | $63,437 | $69,095 |
| NE | $79,730 | $61,996 | $68,598 |
| AL | $79,970 | $61,694 | $68,571 |
| KY | $79,290 | $61,953 | $68,481 |
| SD | $73,040 | $60,214 | $68,351 |
| IA | $76,760 | $60,526 | $68,185 |
| ID | $79,650 | $61,496 | $67,263 |
| WA | $91,160 | $72,961 | $67,207 |
| MS | $74,880 | $58,605 | $67,137 |
| MA | $97,080 | $72,592 | $67,067 |
| OK | $75,330 | $58,935 | $66,755 |
| HI | $98,900 | $72,333 | $66,599 |
| LA | $73,210 | $58,523 | $66,244 |
| TX | $78,730 | $64,217 | $66,083 |
| AR | $71,370 | $56,857 | $65,724 |
| RI | $85,920 | $66,473 | $65,547 |
| IL | $84,990 | $64,558 | $65,306 |
| SC | $77,530 | $60,548 | $64,981 |
| AK | $81,340 | $66,053 | $64,939 |
| MT | $74,650 | $58,489 | $64,813 |
| TN | $72,550 | $59,869 | $64,713 |
| CA | $97,860 | $72,666 | $64,545 |
| PA | $80,280 | $62,842 | $64,454 |
| ME | $81,750 | $62,138 | $63,996 |
| MN | $82,630 | $62,865 | $63,876 |
| NM | $72,160 | $57,369 | $63,471 |
| KS | $73,120 | $56,478 | $62,778 |
| GA | $77,990 | $60,403 | $62,465 |
| CO | $81,270 | $63,136 | $62,275 |
| NV | $73,090 | $60,249 | $62,125 |
| MI | $74,640 | $58,418 | $62,025 |
| FL | $78,360 | $63,956 | $61,822 |
| UT | $74,430 | $57,879 | $60,924 |
| AZ | $77,020 | $61,491 | $60,819 |
| NH | $77,980 | $63,689 | $60,457 |
| WI | $68,690 | $54,530 | $58,574 |
| VT | $71,220 | $56,343 | $58,305 |
| WY | $62,210 | $52,166 | $57,421 |
| MO | $65,350 | $52,555 | $57,273 |
| MD | $75,390 | $58,649 | $56,413 |
| OR | $80,380 | $58,894 | $56,239 |
| IN | $62,660 | $50,708 | $55,008 |
| WV | $57,320 | $46,484 | $51,780 |
Sources and assumptions
- These are middle-of-the-range figures for credit analysts, not what a new starter is offered. Half the people doing this job earn under $83,510 nationally, half over. Your own experience and employer will move you well away from that midpoint in either direction.
- The take-home numbers here use the simplest possible household: one filer for credit analysts, no children, no pension contributions, standard deduction. Real life usually reduces the tax bill below this. City and school-district income taxes are left out, and in Ohio or Pennsylvania that is a real omission. The best after-tax state here is New York, at $95,242.
- Levelling out prices for credit analysts is done with one number per state, which is a simplification. Living costs inside a state vary a lot between its cities and its countryside. The comparison shows which way the ranking moves, not an exact figure for any address — West Virginia sits at the bottom on $51,780.
- All wage figures for credit analysts are medians rather than entry or offer rates; the national median is $83,510. Within-state dispersion typically exceeds between-state dispersion in this data, so an individual's expected wage is determined more by experience, sector and employer than by the state comparisons presented here.
- Retained-pay figures for credit analysts model a single filer taking the standard deduction with no dependants and no pre-tax deferrals — deliberately the simplest household, so the comparison across states isolates geography rather than personal circumstances. Local income taxes are outside the model; Ohio, Pennsylvania and Maryland residents should expect a meaningfully lower figure than $95,242, which leads in New York.
- The price deflation applied to credit analysts uses state-level parities. Within-state dispersion in price level, concentrated in housing, is large enough that a state figure describes no particular locality well; the bottom of this occupation's real range is West Virginia at $51,780. The comparison establishes the direction and rough magnitude of the reordering rather than an address-level result — West Virginia anchors the bottom at $51,780 — and the two source series are dated independently.