Credit Analysts in Hawaii
May 2025 wages · tax year 2026
You keep
$72,333
after federal, FICA and Hawaii tax
Tax takes
$26,567
26.9% of the whole
Worth, in national money
$66,599
Hawaii costs more than average
On that salary you would be around the 25th percentile for this work in Hawaii — 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
$98,900
Kept after tax
$72,333
Worth in national money
$66,599
State rank
5
of 51 states
What this pays, and what it is worth
- Pay for credit analysts is strong here. Hawaii's middle earner gets $98,900, putting the state 5 of 51 — about 18.43% ahead of the national figure.
- Locally, this pays well. Among 437 occupations Hawaii reports, credit analysts comes in at 83 — comfortably in the upper quarter.
- The wage here flatters the reality. From $98,900 the take-home is $72,333. But Hawaii costs more than the national average, so that money behaves more like $66,599 would elsewhere. Worth knowing before comparing offers across states. The average is higher, $104,150, because the best-paid pull it up.
- For credit analysts, Hawaii sits in the upper band nationally: a median of $98,900, ranking 5 of 51 and running about 18.43% above the national midpoint. Nominal advantage of this size is usually, though not always, large enough to survive the state's own tax and price levels.
- Credit analysts ranks 83 of 437 occupations by median in Hawaii, in the top quartile. Within-state position is largely independent of national position, so this holds regardless of how the state compares to others for the same work.
- Retained pay after federal, FICA and Hawaii income tax is $72,333 for credit analysts, from $98,900. The state's price level exceeds the national average, so the price-adjusted equivalent is $66,599. ⚠️ This is purchasing power and not a wage; cross-state offer comparisons that stop at the nominal figure systematically overvalue high-cost states. The mean of $104,150 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 | $51,620 |
|---|---|
| Half earn under | $98,900 |
| Top tenth earn over | $148,840 |
| This salary | $98,900 |
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 Hawaii | $72,333 |
|---|---|
| Take-home in Texas | $78,406 |
| Once local prices are leveledBEA price parity | +$14,086 |
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 | $90,267 |
|---|---|
| You could take a cut of | −$19,457 |
| Prices in Texas | 97 vs 109 |
State taxes and state price levels only. No city tax, and no housing market.
Sources and assumptions
- Treat $98,900 as a midpoint for Hawaii, not a promise. The tenth percentile is $51,620 and the ninetieth is $148,840 — a wide band, and where you land in it depends on far more than the state.
- That $72,333 take-home in Hawaii comes from $98,900. It is the no-frills case: single filer, standard deduction, nothing set aside before tax. Real circumstances almost always reduce the tax. City and school-district taxes are not counted at all. Locally the work ranks 83 of 437.
- Two cautions on $66,599, the adjusted value of that $98,900 median. It levels out prices with a single number for all of Hawaii. 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 83 of 437 locally.
- The Hawaii median of $98,900 describes the midpoint of a distribution spanning $51,620 to $148,840. Because that spread is typically larger than the interstate spread, a state median is a weak predictor for any individual worker in this occupation.
- Retained pay of $72,333, from $98,900, assumes a single Hawaii filer with the standard deduction and no elective deferrals. Pre-tax retirement or HSA contributions, dependants and itemized deductions all reduce it further; local income taxes, excluded here, would increase it in the states that levy them. This occupation ranks 83 of 437 locally, and the state ranks 5 of 51 for it.
- This $66,599 adjusted figure, worked from $98,900, 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 83 of 437 in the state. The occupation ranks 83 of 437 locally.
Questions people ask
Is this the average pay for the job?
No — it is the middle. Half of these workers earn more and half earn less. The average is $104,150, pulled upward by the top of the range, which is why the middle is the fairer number to plan against.
Why is the pay range for this job so wide?
The label is broader than the work. From $51,620 at the bottom tenth to $148,840 at the top, the same title covers roles that share little beyond a name.
Does a bigger number here mean I am better off?
Not on its own. Prices in Hawaii run above the national level, so the same dollars buy less here. Adjusted for that, this pay is worth $66,599 — the wage did not change, only what it covers.
Where does the difference between the wage and my paycheck go?
Three of them are federal and one is not. After income tax, Social Security, Medicare and Hawaii's own levy, $72,333 remains.
Can I compare this job across every state?
Yes for this one. Pay is published in all 51 jurisdictions, so a state-to-state comparison here rests on the same survey everywhere rather than on a patchwork.
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 Hawaii is $104,150. 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 ($51,620) and the ninetieth ($148,840) 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?
Hawaii's regional price parity sits above the national average, so nominal wages overstate purchasing power. Deflating take-home by the state price level gives $66,599 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 $72,333 reflects federal income tax, OASDI, Medicare and Hawaii 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.