Credit Analysts in North Dakota
May 2025 wages · tax year 2026
You keep
$61,259
after federal, FICA and North Dakota tax
Tax takes
$13,551
18.1% of the whole
Worth, in national money
$69,163
North Dakota costs less than average
On that salary you would be around the 25th percentile for this work in North Dakota — 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
$74,810
Kept after tax
$61,259
Worth in national money
$69,163
State rank
35
of 51 states
What this pays, and what it is worth
- Pay for credit analysts is on the low side in North Dakota. The middle earner gets $74,810. That is 35 of 51 states, and about 10.42% under the national figure. Whether that matters depends on what things cost here.
- Against other work in North Dakota, this sits in the middle: 137 of 460 occupations with published pay. Solidly ordinary for the state, which is not the same as ordinary nationally.
- Here is where North Dakota does better than its wage suggests. From a median of $74,810 you keep $61,259, and because things cost less here than the national average, that behaves like $69,163 would elsewhere. The average is higher, $80,080, because the best-paid pull it up.
- For credit analysts, North Dakota sits in the lower band at $74,810, ranking 35 of 51 and trailing the national median by about 10.42%. Nominal rankings routinely invert once tax and regional price level are applied, so this position should not be read as the conclusion.
- Credit analysts ranks 137 of 460 occupations in North Dakota 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 North Dakota income tax, retained pay for credit analysts on $74,810 is $61,259. Deflating by the state's price level — below the national average — gives $69,163 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 $80,080 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 | $51,920 |
|---|---|
| Half earn under | $74,810 |
| Top tenth earn over | $123,460 |
| This salary | $74,810 |
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 Dakota | $61,259 |
|---|---|
| Take-home in Texas | $61,459 |
| Once local prices are leveledBEA price parity | −$5,918 |
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 | $74,526 |
|---|---|
| Raise you would need | +$8,174 |
| Prices in Texas | 97 vs 89 |
State taxes and state price levels only. No city tax, and no housing market.
Sources and assumptions
- Half the people doing this work in North Dakota earn less than $74,810. The published range is $51,920 up to $123,460, so an individual figure can sit a long way from the middle in either direction.
- That $61,259 take-home in North Dakota comes from $74,810. 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 137 of 460.
- One number stands for prices across all of North Dakota, which is a simplification — big cities cost far more than small towns. Read $69,163, the adjusted value of that $74,810 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 137 of 460 in the state.
- Reported values are medians; for credit analysts in North Dakota the tenth-to-ninetieth percentile band is $51,920 to $123,460. Neither the median nor the band is an offer rate, and neither accounts for hours, shift differentials or overtime.
- Retained pay of $61,259, from $74,810, assumes a single North Dakota 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 137 of 460 locally, and the state ranks 35 of 51 for it.
- Price deflation uses one statewide parity for North Dakota, so $69,163 — the adjusted value of that $74,810 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 137 of 460 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 $80,080, 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?
One title, many jobs. The lowest tenth take $51,920, the highest tenth $123,460, and what separates them is experience, employer and what exactly the role does.
What does this pay actually buy where I live?
Further than the number implies. North Dakota is cheaper than the national average, so this take-home behaves like $69,163 in national terms.
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 North Dakota adds its own income tax on top — which is why $61,259 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 North Dakota is $80,080. 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 ($51,920) and the ninetieth ($123,460) 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 Dakota'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 $69,163 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 $61,259 reflects federal income tax, OASDI, Medicare and North Dakota 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.