Credit Analysts in California
May 2025 wages · tax year 2026
You keep
$72,666
after federal, FICA and California tax
Tax takes
$25,194
25.7% of the whole
Worth, in national money
$64,545
California costs more than average
On that salary you would be around the 25th percentile for this work in California — 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
$97,860
Kept after tax
$72,666
Worth in national money
$64,545
State rank
7
of 51 states
What this pays, and what it is worth
- This is a good state for the work. California pays credit analysts a middle wage of $97,860, ranking 7 of 51 states and sitting about 17.18% above the national middle.
- Against other work in California, this sits in the middle: 139 of 492 occupations with published pay. Solidly ordinary for the state, which is not the same as ordinary nationally.
- California is an expensive state, and the adjusted figure shows it. From $97,860 the take-home is $72,666; in national-average money that behaves like $64,545. The average comes to $113,670, above the middle, thanks to the top of the range.
- California's median for credit analysts is $97,860, about 17.18% above the national figure and 7 of 51 states reporting. Whether that premium reaches the worker depends on the two adjustments below, which is the part a wage table cannot tell you.
- Credit analysts ranks 139 of 492 occupations in California by median pay, in the middle bands. Within-state and national positions are separate measurements and a job commonly sits in different quartiles on each.
- Take-home for credit analysts in California, on $97,860, is $72,666; deflated by the state's price level, $64,545. ⚠️ The deflator is statewide, so it understates the erosion in the state's metropolitan areas and overstates it outside them. At $113,670 the mean overshoots the median — the usual right-skewed shape.
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 | $61,380 |
|---|---|
| Half earn under | $97,860 |
| Top tenth earn over | $194,760 |
| This salary | $97,860 |
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 California | $72,666 |
|---|---|
| Take-home in Texas | $77,675 |
| Once local prices are leveledBEA price parity | +$15,387 |
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 | $90,740 |
|---|---|
| You could take a cut of | −$21,255 |
| Prices in Texas | 97 vs 113 |
State taxes and state price levels only. No city tax, and no housing market.
Sources and assumptions
- A median is the middle, not an offer. Half of credit analysts in California earn under $97,860 and half over. The published range runs $61,380 at the tenth percentile to $194,760 at the ninetieth. Experience and employer move an individual a long way inside that.
- One filer, no dependants, no pension contributions — that is the household behind California's $72,666, worked from $97,860. 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 139 of 492.
- One number stands for prices across all of California, which is a simplification — big cities cost far more than small towns. Read $64,545, the adjusted value of that $97,860 median, as a way to compare states fairly, not as a quote for any particular place. The two datasets are also from different years. This job sits at 139 of 492 in the state.
- Figures are distribution medians for credit analysts in California, not entry or offer rates. The published band runs $61,380 to $194,760; within-state dispersion of that width routinely exceeds the dispersion between states, so tenure, employer and metropolitan area predict an individual's pay better than geography does.
- The California take-home of $72,666, on $97,860 for work ranking 139 of 492 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 139 of 492 in the state.
- Price deflation uses one statewide parity for California, so $64,545 — the adjusted value of that $97,860 median — establishes comparability between states rather than accuracy within one. The wage and parity series are dated independently, each following its own publication cycle, and neither is projected forward. This occupation sits at 139 of 492 locally.
Questions people ask
Is this the average pay for the job?
It is the midpoint, not the average. The average here is $113,670, dragged up by high earners; the middle figure describes a typical worker better.
Why is the pay range for this job so wide?
Because one job title covers very different work. The bottom tenth here earn $61,380 and the top tenth $194,760 — experience, employer and specialism separate them, and a single figure hides all three.
Does a bigger number here mean I am better off?
The number and the value are different things. California costs more than the national average, so this take-home stretches like $64,545 rather than its face figure.
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 California adds its own income tax on top — which is why $72,666 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 California is $113,670. 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 ($61,380) and the ninetieth ($194,760) 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.
How does the state price level affect real compensation?
California's regional price parity sits above the national average, so nominal wages overstate purchasing power. Deflating take-home by the state price level gives $64,545 in national-average terms. ⚠️ RPPs are an all-items index; housing parities vary far more widely than the headline figure.
What accounts for the gap between gross wage and take-home here?
Take-home of $72,666 reflects federal income tax, OASDI, Medicare and California 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.