Credit Analysts in Tennessee
May 2025 wages · tax year 2026
You keep
$59,869
after federal, FICA and Tennessee tax
Tax takes
$12,681
17.5% of the whole
Worth, in national money
$64,713
Tennessee costs less than average
On that salary you would be around the 25th percentile for this work in Tennessee — 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
$72,550
Kept after tax
$59,869
Worth in national money
$64,713
State rank
43
of 51 states
What this pays, and what it is worth
- Pay for credit analysts is on the low side in Tennessee. The middle earner gets $72,550. That is 43 of 51 states, and about 13.12% under the national figure. Whether that matters depends on what things cost here.
- Against other work in Tennessee, this sits in the middle: 133 of 491 occupations with published pay. Solidly ordinary for the state, which is not the same as ordinary nationally.
- Here is where Tennessee does better than its wage suggests. From a median of $72,550 you keep $59,869, and because things cost less here than the national average, that behaves like $64,713 would elsewhere. The average is higher, $81,490, because the best-paid pull it up.
- For credit analysts, Tennessee sits in the lower band at $72,550, ranking 43 of 51 and trailing the national median by about 13.12%. 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 133 of 491 occupations in Tennessee 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 Tennessee income tax, retained pay for credit analysts on $72,550 is $59,869. Deflating by the state's price level — below the national average — gives $64,713 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 $81,490 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 | $49,080 |
|---|---|
| Half earn under | $72,550 |
| Top tenth earn over | $134,980 |
| This salary | $72,550 |
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 Tennessee | $59,869 |
|---|---|
| Take-home in Texas | $59,869 |
| Once local prices are leveledBEA price parity | −$3,103 |
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 | $72,550 |
|---|---|
| Raise you would need | +$4,287 |
| Prices in Texas | 97 vs 93 |
State taxes and state price levels only. No city tax, and no housing market.
Sources and assumptions
- Half the people doing this work in Tennessee earn less than $72,550. The published range is $49,080 up to $134,980, so an individual figure can sit a long way from the middle in either direction.
- One filer, no dependants, no pension contributions — that is the household behind Tennessee's $59,869, worked from $72,550. 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 133 of 491.
- Two cautions on $64,713, the adjusted value of that $72,550 median. It levels out prices with a single number for all of Tennessee. 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 133 of 491 locally.
- Reported values are medians; for credit analysts in Tennessee the tenth-to-ninetieth percentile band is $49,080 to $134,980. Neither the median nor the band is an offer rate, and neither accounts for hours, shift differentials or overtime.
- The Tennessee take-home of $59,869, on $72,550 for work ranking 133 of 491 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 133 of 491 in the state.
- This $64,713 adjusted figure, worked from $72,550, 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 133 of 491 in the state. The occupation ranks 133 of 491 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 $81,490 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?
One title, many jobs. The lowest tenth take $49,080, the highest tenth $134,980, 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. Tennessee is cheaper than the national average, so this take-home behaves like $64,713 in national terms.
Is most of this wage taxed away?
Less than people assume. $59,869 of this wage reaches your account, because Tennessee takes no income tax from wages — but federal tax, Social Security and Medicare still apply exactly as they do everywhere else.
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 Tennessee is $81,490. 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 ($49,080) and the ninetieth ($134,980) 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?
Tennessee'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 $64,713 in national-average terms. The adjustment uses an all-items index and does not isolate housing.
Why is the take-home ratio comparatively high in this state?
Tennessee levies no personal income tax on wages, so take-home of $59,869 reflects the federal layer and FICA alone. Federal income tax and FICA are unchanged; states without a wage income tax generally recover revenue through consumption and property bases instead.
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.