Credit Analysts in Montana
May 2025 wages · tax year 2026
You keep
$58,489
after federal, FICA and Montana tax
Tax takes
$16,161
21.6% of the whole
Worth, in national money
$64,813
Montana costs less than average
On that salary you would be around the 25th percentile for this work in Montana — 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
$74,650
Kept after tax
$58,489
Worth in national money
$64,813
State rank
36
of 51 states
What this pays, and what it is worth
- Montana is among the lower-paying states for credit analysts. The middle earner takes $74,650, ranking 36 of 51 states — about 10.61% below the national middle. Costs here are often lower too, which the figures further down account for.
- Against other work in Montana, this sits in the middle: 136 of 475 occupations with published pay. Solidly ordinary for the state, which is not the same as ordinary nationally.
- Here is where Montana does better than its wage suggests. From a median of $74,650 you keep $58,489, and because things cost less here than the national average, that behaves like $64,813 would elsewhere. The average is higher, $84,600, because the best-paid pull it up.
- Montana ranks 36 of 51 for credit analysts, with a median of $74,650 — about 10.61% below the national figure. A nominal shortfall is not by itself a real one: lower-paying states frequently carry lower tax and lower price levels, and the adjusted figures below are where that is settled rather than assumed.
- Credit analysts ranks 136 of 475 occupations in Montana 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.
- After federal, FICA and Montana income tax, retained pay for credit analysts on $74,650 is $58,489. Deflating by the state's price level — below the national average — gives $64,813 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 $84,600 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 | $57,350 |
|---|---|
| Half earn under | $74,650 |
| Top tenth earn over | $124,010 |
| This salary | $74,650 |
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 Montana | $58,489 |
|---|---|
| Take-home in Texas | $61,346 |
| Once local prices are leveledBEA price parity | −$1,683 |
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 | $70,589 |
|---|---|
| Raise you would need | +$2,325 |
| Prices in Texas | 97 vs 90 |
State taxes and state price levels only. No city tax, and no housing market.
Sources and assumptions
- Half the people doing this work in Montana earn less than $74,650. The published range is $57,350 up to $124,010, so an individual figure can sit a long way from the middle in either direction.
- That $58,489 take-home in Montana comes from $74,650. 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 136 of 475.
- The wage data and the price data come from different years. That is how each is published. The price adjustment behind $64,813 uses one figure for the whole of Montana. A city and a rural county there can differ by more than two states do. Out of 475 occupations the state publishes, this one sits at 136.
- Reported values are medians; for credit analysts in Montana the tenth-to-ninetieth percentile band is $57,350 to $124,010. Neither the median nor the band is an offer rate, and neither accounts for hours, shift differentials or overtime.
- Retained pay of $58,489, from $74,650, assumes a single Montana 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 136 of 475 locally, and the state ranks 36 of 51 for it.
- Wage and price series carry different reference periods, each published on its own schedule. The real-terms figure of $64,813, worked from $74,650, 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 Montana address, on work sitting at 136 of 475 locally.
Questions people ask
Is this the average pay for the job?
It is the midpoint, not the average. The average here is $84,600, dragged up by high earners; the middle figure describes a typical worker better.
Why is the pay range for this job so wide?
One title, many jobs. The lowest tenth take $57,350, the highest tenth $124,010, and what separates them is experience, employer and what exactly the role does.
What does this pay actually buy where I live?
More than the figure suggests. Prices in Montana sit below the national level, so take-home here stretches like $64,813 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; Montana then takes its own share, leaving $58,489.
Can I compare this job across every state?
All 51 jurisdictions report this work, which makes the ranking a like-for-like one.
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 Montana is $84,600. 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 ($57,350) and the ninetieth ($124,010) 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?
Montana'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 $64,813 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 $58,489 reflects federal income tax, OASDI, Medicare and Montana 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.