Credit Analysts in Illinois
May 2025 wages · tax year 2026
You keep
$64,558
after federal, FICA and Illinois tax
Tax takes
$20,432
24.0% of the whole
Worth, in national money
$65,306
Illinois costs less than average
On that salary you would be around the 25th percentile for this work in Illinois — 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
$84,990
Kept after tax
$64,558
Worth in national money
$65,306
State rank
13
of 51 states
What this pays, and what it is worth
- Illinois is one of the better-paying states for credit analysts. The middle earner takes $84,990, which ranks 13 of 51 states with published figures. That is about 1.77% above the national middle.
- Within Illinois this is well-paid work. Of 494 occupations with published figures in the state, credit analysts ranks 116 — in the top quarter of everything people do there.
- No great distortion either way. Illinois costs about what the country costs, so from $84,990, take-home of $64,558 is worth roughly $65,306 in national money. The average comes to $103,060, above the middle, thanks to the top of the range.
- Illinois ranks 13 of 51 states publishing a median for credit analysts, at $84,990 — about 1.77% above the national median. A state's position on nominal pay is the figure wage tables report and the least informative of the three on this page, because it survives neither the tax adjustment nor the price adjustment intact for most occupations.
- Ranked against every occupation Illinois publishes a median for, credit analysts sits 116 of 494 — 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.
- Price parity in Illinois is near the national base, so for credit analysts, whose median is $84,990, the adjusted figure of $65,306 differs little from $64,558 retained after tax. The state's position for this occupation is therefore set by wage and tax rather than by living costs. At $103,060 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 | $58,400 |
|---|---|
| Half earn under | $84,990 |
| Top tenth earn over | $172,180 |
| This salary | $84,990 |
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 Illinois | $64,558 |
|---|---|
| Take-home in Texas | $68,620 |
| Once local prices are leveledBEA price parity | +$5,309 |
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 | $79,216 |
|---|---|
| You could take a cut of | −$7,334 |
| Prices in Texas | 97 vs 99 |
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 Illinois earn under $84,990 and half over. The published range runs $58,400 at the tenth percentile to $172,180 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 Illinois's $64,558, worked from $84,990. 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 116 of 494.
- The wage data and the price data come from different years. That is how each is published. The price adjustment behind $65,306 uses one figure for the whole of Illinois. A city and a rural county there can differ by more than two states do. Out of 494 occupations the state publishes, this one sits at 116.
- Figures are distribution medians for credit analysts in Illinois, not entry or offer rates. The published band runs $58,400 to $172,180; 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 Illinois take-home of $64,558, on $84,990 for work ranking 116 of 494 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 116 of 494 in the state.
- Wage and price series carry different reference periods, each published on its own schedule. The real-terms figure of $65,306, worked from $84,990, deflates by a statewide parity that conceals substantial intra-state variation, concentrated in housing — so it supports comparison between states rather than the pricing of a move to a particular Illinois address, on work sitting at 116 of 494 locally.
Questions people ask
Is this the average pay for the job?
It is the midpoint, not the average. The average here is $103,060, 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 $58,400 and the top tenth $172,180 — experience, employer and specialism separate them, and a single figure hides all three.
What does this pay actually buy where I live?
More than the figure suggests. Prices in Illinois sit below the national level, so take-home here stretches like $65,306 would elsewhere. The wage is the same; the ground it covers is larger.
Where does the difference between the wage and my paycheck go?
Four deductions, stacked. The federal layer and the two payroll taxes apply wherever you work; Illinois then takes its own share, leaving $64,558.
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 Illinois is $103,060. 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 ($58,400) and the ninetieth ($172,180) 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?
Illinois'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 $65,306 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 $64,558 reflects federal income tax, OASDI, Medicare and Illinois 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.