Credit Counselors in Florida
May 2025 wages · tax year 2026
You keep
$39,382
after federal, FICA and Florida tax
Tax takes
$6,918
14.9% of the whole
Worth, in national money
$38,068
Florida costs more than average
On that salary you would be around the 25th percentile for this work in Florida — 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
$46,300
Kept after tax
$39,382
Worth in national money
$38,068
State rank
39
of 46 states
What this pays, and what it is worth
- Pay for credit counselors is on the low side in Florida. The middle earner gets $46,300. That is 39 of 46 states, and about 11.35% under the national figure. Whether that matters depends on what things cost here.
- Middle of the local pack. Of 493 occupations Florida reports figures for, this is number 336.
- The wage here flatters the reality. From $46,300 the take-home is $39,382. But Florida costs more than the national average, so that money behaves more like $38,068 would elsewhere. Worth knowing before comparing offers across states. The average is higher, $50,130, because the best-paid pull it up.
- For credit counselors, Florida sits in the lower band at $46,300, ranking 39 of 46 and trailing the national median by about 11.35%. Nominal rankings routinely invert once tax and regional price level are applied, so this position should not be read as the conclusion.
- In Florida's occupational distribution, credit counselors sits at 336 of 493 — neither quartile. This local position is what a resident compares against, and it is determined by the state's own labor market rather than by national patterns for this occupation.
- Retained pay after federal, FICA and Florida income tax is $39,382 for credit counselors, from $46,300. The state's price level exceeds the national average, so the price-adjusted equivalent is $38,068. ⚠️ This is purchasing power and not a wage; cross-state offer comparisons that stop at the nominal figure systematically overvalue high-cost states. The mean of $50,130 sits above the median, the right skew typical of wage data.
Compare this career across states
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Pay band: Credit Counselors
The state median for this job
| Lowest tenth earn under | $38,140 |
|---|---|
| Half earn under | $46,300 |
| Top tenth earn over | $67,120 |
| This salary | $46,300 |
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 Florida | $39,382 |
|---|---|
| Take-home in Texas | $39,382 |
| Once local prices are leveledBEA price parity | +$2,459 |
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 | $46,300 |
|---|---|
| You could take a cut of | −$2,974 |
| Prices in Texas | 97 vs 103 |
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 counselors in Florida earn under $46,300 and half over. The published range runs $38,140 at the tenth percentile to $67,120 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 Florida's $39,382, worked from $46,300. 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 336 of 493.
- One number stands for prices across all of Florida, which is a simplification — big cities cost far more than small towns. Read $38,068, the adjusted value of that $46,300 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 336 of 493 in the state.
- Figures are distribution medians for credit counselors in Florida, not entry or offer rates. The published band runs $38,140 to $67,120; 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 Florida take-home of $39,382, on $46,300 for work ranking 336 of 493 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 336 of 493 in the state.
- Price deflation uses one statewide parity for Florida, so $38,068 — the adjusted value of that $46,300 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 336 of 493 locally.
Questions people ask
Is this the average pay for the job?
It is the midpoint, not the average. The average here is $50,130, dragged up by high earners; the middle figure describes a typical worker better.
How much does pay for this job actually vary?
Less than you might expect. The bottom tenth earn $38,140 and the top tenth $67,120, so most people doing this work in Florida sit within a fairly tight band.
Does a bigger number here mean I am better off?
Not on its own. Prices in Florida run above the national level, so the same dollars buy less here. Adjusted for that, this pay is worth $38,068 — the wage did not change, only what it covers.
Is most of this wage taxed away?
Less than people assume. $39,382 of this wage reaches your account, because Florida takes no income tax from wages — but federal tax, Social Security and Medicare still apply exactly as they do everywhere else.
Why is this job missing from some states?
Because the survey suppresses a figure when too few employers report it. This occupation has published pay in 46 states — the rest are withheld to protect confidentiality, which is not the same as nobody doing the work there.
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 Florida is $50,130. 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 is the dispersion of this occupation's wage distribution?
The tenth-to-ninetieth percentile span ($38,140 to $67,120) sits at or below the family's median dispersion, indicating relatively standardized compensation. Percentiles are published per state, so this dispersion is specific to Florida rather than a national figure.
How does the state price level affect real compensation?
Florida's regional price parity sits above the national average, so nominal wages overstate purchasing power. Deflating take-home by the state price level gives $38,068 in national-average terms. ⚠️ RPPs are an all-items index; housing parities vary far more widely than the headline figure.
Why is the take-home ratio comparatively high in this state?
Florida levies no personal income tax on wages, so take-home of $39,382 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.
Why does this occupation lack published estimates in every state?
BLS suppresses estimates failing disclosure or reliability criteria. This occupation has published state-level estimates in 46 of the fifty-one jurisdictions. Suppression reflects sample size and confidentiality rules, and cannot be read as an absence of employment.