Credit Analysts in North Carolina
May 2025 wages · tax year 2026
You keep
$72,095
after federal, FICA and North Carolina tax
Tax takes
$22,475
23.8% of the whole
Worth, in national money
$76,584
North Carolina costs less than average
On that salary you would be around the 25th percentile for this work in North Carolina — 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
$94,570
Kept after tax
$72,095
Worth in national money
$76,584
State rank
10
of 51 states
What this pays, and what it is worth
- Pay for credit analysts is strong here. North Carolina's middle earner gets $94,570, putting the state 10 of 51 — about 13.24% ahead of the national figure.
- Locally, this pays well. Among 489 occupations North Carolina reports, credit analysts comes in at 76 — comfortably in the upper quarter.
- Here is where North Carolina does better than its wage suggests. From a median of $94,570 you keep $72,095, and because things cost less here than the national average, that behaves like $76,584 would elsewhere. The average is higher, $102,440, because the best-paid pull it up.
- For credit analysts, North Carolina sits in the upper band nationally: a median of $94,570, ranking 10 of 51 and running about 13.24% 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 76 of 489 occupations by median in North Carolina, 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.
- After federal, FICA and North Carolina income tax, retained pay for credit analysts on $94,570 is $72,095. Deflating by the state's price level — below the national average — gives $76,584 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 $102,440 sits above the median, the right skew typical of wage data.
Compare this career across states
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Pay band: Credit Analysts
The state median for this job
| Lowest tenth earn under | $62,620 |
|---|---|
| Half earn under | $94,570 |
| Top tenth earn over | $164,140 |
| This salary | $94,570 |
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 North Carolina | $72,095 |
|---|---|
| Take-home in Texas | $75,360 |
| Once local prices are leveledBEA price parity | +$967 |
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 | $89,929 |
|---|---|
| You could take a cut of | −$1,336 |
| Prices in Texas | 97 vs 94 |
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 North Carolina earn under $94,570 and half over. The published range runs $62,620 at the tenth percentile to $164,140 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 North Carolina's $72,095, worked from $94,570. 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 76 of 489.
- The wage data and the price data come from different years. That is how each is published. The price adjustment behind $76,584 uses one figure for the whole of North Carolina. A city and a rural county there can differ by more than two states do. Out of 489 occupations the state publishes, this one sits at 76.
- Figures are distribution medians for credit analysts in North Carolina, not entry or offer rates. The published band runs $62,620 to $164,140; 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 North Carolina take-home of $72,095, on $94,570 for work ranking 76 of 489 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 76 of 489 in the state.
- Wage and price series carry different reference periods, each published on its own schedule. The real-terms figure of $76,584, worked from $94,570, 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 North Carolina address, on work sitting at 76 of 489 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 $102,440 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?
The label is broader than the work. From $62,620 at the bottom tenth to $164,140 at the top, the same title covers roles that share little beyond a name.
What does this pay actually buy where I live?
Further than the number implies. North Carolina is cheaper than the national average, so this take-home behaves like $76,584 in national terms.
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 North Carolina's own levy, $72,095 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 North Carolina is $102,440. 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 ($62,620) and the ninetieth ($164,140) 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?
North Carolina'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 $76,584 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 $72,095 reflects federal income tax, OASDI, Medicare and North Carolina 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.