Credit Analysts in Vermont
May 2025 wages · tax year 2026
You keep
$56,343
after federal, FICA and Vermont tax
Tax takes
$14,877
20.9% of the whole
Worth, in national money
$58,305
Vermont costs less than average
On that salary you would be around the 25th percentile for this work in Vermont — 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
$71,220
Kept after tax
$56,343
Worth in national money
$58,305
State rank
46
of 51 states
What this pays, and what it is worth
- The nominal figure here is modest. Vermont pays credit analysts a middle wage of $71,220, 46 of 51 states and about 14.72% below the national middle. Hold that thought until the adjusted numbers.
- Against other work in Vermont, this sits in the middle: 164 of 453 occupations with published pay. Solidly ordinary for the state, which is not the same as ordinary nationally.
- Cheaper living works in this state's favor. From $71,220 you keep $56,343 after tax, and local prices stretch that to the equivalent of $58,305 at national prices. Averages run higher here, $95,670, since top earners drag the number up.
- Vermont's $71,220 median for credit analysts places it 46 of 51 states, about 14.72% below national. Because both the tax and price adjustments tend to favor lower-nominal states, this ranking is the least stable of the three reported here.
- Credit analysts ranks 164 of 453 occupations in Vermont 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.
- Retained pay in Vermont is $56,343 after the full tax stack, from $71,220. Because the state's price level runs below the national average, the price-adjusted equivalent is $58,305 — a real-terms figure describing purchasing power rather than compensation, and not a number that appears on any pay stub. Mean pay of $95,670 exceeds the median, so the upper tail is doing the work.
Compare this career across states
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Pay band: Credit Analysts
The state median for this job
| Lowest tenth earn under | $55,910 |
|---|---|
| Half earn under | $71,220 |
| Top tenth earn over | $150,030 |
| This salary | $71,220 |
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 Vermont | $56,343 |
|---|---|
| Take-home in Texas | $58,933 |
| Once local prices are leveledBEA price parity | +$2,341 |
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 | $67,538 |
|---|---|
| You could take a cut of | −$3,234 |
| Prices in Texas | 97 vs 97 |
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 Vermont earn under $71,220 and half over. The published range runs $55,910 at the tenth percentile to $150,030 at the ninetieth. Experience and employer move an individual a long way inside that.
- That $56,343 take-home in Vermont comes from $71,220. 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 164 of 453.
- The wage data and the price data come from different years. That is how each is published. The price adjustment behind $58,305 uses one figure for the whole of Vermont. A city and a rural county there can differ by more than two states do. Out of 453 occupations the state publishes, this one sits at 164.
- Figures are distribution medians for credit analysts in Vermont, not entry or offer rates. The published band runs $55,910 to $150,030; 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.
- Retained pay of $56,343, from $71,220, assumes a single Vermont 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 164 of 453 locally, and the state ranks 46 of 51 for it.
- Wage and price series carry different reference periods, each published on its own schedule. The real-terms figure of $58,305, worked from $71,220, 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 Vermont address, on work sitting at 164 of 453 locally.
Questions people ask
Is this the average pay for the job?
It is the midpoint, not the average. The average here is $95,670, 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 $55,910, the highest tenth $150,030, and what separates them is experience, employer and what exactly the role does.
What does this pay actually buy where I live?
A smaller wage in a cheaper place is not automatically less. Adjusted for local prices, this is worth $58,305.
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 Vermont's own levy, $56,343 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 Vermont is $95,670. 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 ($55,910) and the ninetieth ($150,030) 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?
Vermont'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 $58,305 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 $56,343 reflects federal income tax, OASDI, Medicare and Vermont 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.