Credit Analysts in Alabama
May 2025 wages · tax year 2026
You keep
$61,694
after federal, FICA and Alabama tax
Tax takes
$18,276
22.9% of the whole
Worth, in national money
$68,571
Alabama costs less than average
On that salary you would be around the 25th percentile for this work in Alabama — roughly, since only five points along the band are published.
One filer, standard deduction, no dependants and nothing paid in before tax — the same household the rest of this page uses, so the comparison holds. City and school-district income taxes are not included.
Median here
$79,970
Kept after tax
$61,694
Worth in national money
$68,571
State rank
20
of 51 states
What this pays, and what it is worth
- Middling, nationally. Alabama pays credit analysts around $79,970 at the midpoint, 20 of 51 states. The interesting numbers on this page are the two below it.
- Within Alabama this is well-paid work. Of 482 occupations with published figures in the state, credit analysts ranks 94 — in the top quarter of everything people do there.
- Here is where Alabama does better than its wage suggests. From a median of $79,970 you keep $61,694, and because things cost less here than the national average, that behaves like $68,571 would elsewhere. The average is higher, $93,100, because the best-paid pull it up.
- For credit analysts the Alabama median is $79,970, ranking 20 of 51 states reporting. Mid-band nominal positions are the ones most frequently reordered by the adjustments, because no large wage premium exists to absorb a state's tax or price level.
- Ranked against every occupation Alabama publishes a median for, credit analysts sits 94 of 482 — the upper quartile of the state's wage distribution. National standing and within-state standing are separate questions, and a job can occupy very different positions on each.
- After federal, FICA and Alabama income tax, retained pay for credit analysts on $79,970 is $61,694. Deflating by the state's price level — below the national average — gives $68,571 in national-average terms. ⚠️ That figure is purchasing power, not a wage, and nobody is paid it; it is what the take-home buys. The mean of $93,100 sits above the median, the right skew typical of wage data.
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 band: Credit Analysts
The state median for this job
| Lowest tenth earn under | $52,790 |
|---|---|
| Half earn under | $79,970 |
| Top tenth earn over | $138,570 |
| This salary | $79,970 |
Positions between the published tenth, quarter, half, three-quarter and ninetieth points are estimated by straight line.
The same pay, somewhere else
The state median for this job
| Take-home in Alabama | $61,694 |
|---|---|
| Take-home in Texas | $65,089 |
| Once local prices are leveledBEA price parity | −$1,590 |
The raise and the real gain point in opposite directions here.
State income tax and state price levels only. No city income tax, and no housing market.
What you would need there
The state median for this job
| To match take-home only | $75,144 |
|---|---|
| Raise you would need | +$2,196 |
| Prices in Texas | 97 vs 90 |
State taxes and state price levels only. No city tax, and no housing market.
Sources and assumptions
- Treat $79,970 as a midpoint for Alabama, not a promise. The tenth percentile is $52,790 and the ninetieth is $138,570 — a wide band, and where you land in it depends on far more than the state.
- One filer, no dependants, no pension contributions — that is the household behind Alabama's $61,694, worked from $79,970. That is on purpose. It lets states be compared with each other, not with each other's family circumstances. Local city taxes are left out. Locally this work ranks 94 of 482.
- Two cautions on $68,571, the adjusted value of that $79,970 median. It levels out prices with a single number for all of Alabama. No actual address matches that. The wage figures and price figures are also from different years. Each is published on its own timetable. This work sits at 94 of 482 locally.
- The Alabama median of $79,970 describes the midpoint of a distribution spanning $52,790 to $138,570. Because that spread is typically larger than the interstate spread, a state median is a weak predictor for any individual worker in this occupation.
- The Alabama take-home of $61,694, on $79,970 for work ranking 94 of 482 locally, models the simplest household deliberately: holding it constant is what makes the interstate comparison meaningful. It also means the absolute figure overstates liability for most real filers, and municipal income taxes are outside the model entirely. The occupation ranks 94 of 482 in the state.
- This $68,571 adjusted figure, worked from $79,970, rests on a state-level price parity averaging over within-state dispersion larger than much of the between-state dispersion. Wage and price vintages differ by publication schedule. The result is directionally sound and not address-specific, for work at 94 of 482 in the state. The occupation ranks 94 of 482 locally.
Questions people ask
Is this the average pay for the job?
Half earn more than this and half earn less. The average sits at $93,100 because a long tail of high pay lifts it, so the two answer different questions.
Why is the pay range for this job so wide?
Because one job title covers very different work. The bottom tenth here earn $52,790 and the top tenth $138,570 — experience, employer and specialism separate them, and a single figure hides all three.
What does this pay actually buy where I live?
Further than the number implies. Alabama is cheaper than the national average, so this take-home behaves like $68,571 in national terms.
Where does the difference between the wage and my paycheck go?
Into four separate taxes, not one. Federal income tax, Social Security and Medicare apply everywhere, and Alabama adds its own income tax on top — which is why $61,694 of this wage survives to your account.
Can I compare this job across every state?
This occupation is published everywhere — all 51 of them — so comparing states measures real differences rather than gaps in the data.
How does the published median differ from the mean for this occupation?
The median is the midpoint of the distribution; the mean for this occupation in Alabama is $93,100. Wage distributions are right-skewed, so the mean exceeds the median wherever a minority earn substantially more. BLS publishes both because substituting one for the other misstates a typical worker's pay.
What drives the percentile dispersion in this occupation?
Dispersion between the tenth percentile ($52,790) and the ninetieth ($138,570) exceeds the family median dispersion. SOC codes aggregate roles differing in seniority, industry and specialisation, and BLS does not disaggregate below the detailed occupation level, so within-title variance is not separable from the published series.
What is this occupation's price-adjusted compensation in this state?
Alabama's regional price parity is at or below the national average, so nominal wages understate purchasing power. Take-home deflated by the state price level is $68,571 in national-average terms. The adjustment uses an all-items index and does not isolate housing.
What accounts for the gap between gross wage and take-home here?
Take-home of $61,694 reflects federal income tax, OASDI, Medicare and Alabama income tax for a single filer with no adjustments. The state layer is levied in addition to the federal one; only its rate and base differ between states.
Is this occupation's state coverage complete?
State-level estimates are published for all 51 jurisdictions for this occupation, so cross-state comparison is not confounded by suppression. ⚠️ Estimates remain survey-based and carry sampling error; small differences between adjacent states should not be over-read.