Credit Counselors in Idaho
May 2025 wages · tax year 2026
You keep
$41,406
after federal, FICA and Idaho tax
Tax takes
$9,724
19.0% of the whole
Worth, in national money
$45,290
Idaho costs less than average
On that salary you would be around the 25th percentile for this work in Idaho — 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
$51,130
Kept after tax
$41,406
Worth in national money
$45,290
State rank
29
of 46 states
What this pays, and what it is worth
- Idaho sits in the middle of the pack for credit counselors. The median is $51,130, ranking 29 of 46 states with figures. Close enough to the national middle that where you live matters more than the headline suggests.
- Against other work in Idaho, this sits in the middle: 271 of 476 occupations with published pay. Solidly ordinary for the state, which is not the same as ordinary nationally.
- Idaho is cheaper than average, and that shows up here. From $51,130 the take-home is $41,406; adjusted for what things actually cost, it goes as far as $45,290 would nationally. The average comes to $56,940, above the middle, thanks to the top of the range.
- Idaho occupies the middle band for credit counselors: a median of $51,130, ranking 29 of 46. Where nominal pay is close to the national figure, the tax and price adjustments below carry proportionally more weight in determining the real outcome.
- Credit counselors ranks 271 of 476 occupations in Idaho 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.
- Post-tax income for credit counselors in Idaho, on $51,130, is $41,406 — equivalent to $45,290 once regional price parity is applied. ⚠️ The adjustment uses a statewide index that describes no particular address; within-state price variation, concentrated in housing, routinely exceeds the difference between two states. At $56,940 the mean overshoots the median — the usual right-skewed shape.
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Pay band: Credit Counselors
The state median for this job
| Lowest tenth earn under | $41,270 |
|---|---|
| Half earn under | $51,130 |
| Top tenth earn over | $76,430 |
| This salary | $51,130 |
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 Idaho | $41,406 |
|---|---|
| Take-home in Texas | $43,263 |
| Once local prices are leveledBEA price parity | −$769 |
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 | $48,819 |
|---|---|
| Raise you would need | +$930 |
| Prices in Texas | 97 vs 91 |
State taxes and state price levels only. No city tax, and no housing market.
Sources and assumptions
- Half the people doing this work in Idaho earn less than $51,130. The published range is $41,270 up to $76,430, so an individual figure can sit a long way from the middle in either direction.
- In Idaho the take-home figure of $41,406, from $51,130, assumes one filer, no dependants, and nothing paid into a pension before tax. Each of those lowers the bill, so treat it as the plain case. City and school-district income taxes are not included either, and in a few states those are real money. It ranks 271 of 476 occupations here.
- The wage data and the price data come from different years. That is how each is published. The price adjustment behind $45,290 uses one figure for the whole of Idaho. A city and a rural county there can differ by more than two states do. Out of 476 occupations the state publishes, this one sits at 271.
- Reported values are medians; for credit counselors in Idaho the tenth-to-ninetieth percentile band is $41,270 to $76,430. Neither the median nor the band is an offer rate, and neither accounts for hours, shift differentials or overtime.
- Take-home for Idaho is computed for a single filer taking the standard deduction with no dependants and no pre-tax contributions, giving $41,406 from $51,130. Each omitted item reduces taxable income, so the figure is a lower bound on retained pay for this household shape. Municipal and school-district income taxes are excluded, which understates the burden materially in Ohio, Pennsylvania and Maryland. The occupation ranks 271 of 476 locally.
- Wage and price series carry different reference periods, each published on its own schedule. The real-terms figure of $45,290, worked from $51,130, 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 Idaho address, on work sitting at 271 of 476 locally.
Questions people ask
Is this the average pay for the job?
It is the midpoint, not the average. The average here is $56,940, dragged up by high earners; the middle figure describes a typical worker better.
How much does pay for this job actually vary?
Most of these jobs pay within a close range — $41,270 at the tenth percentile, $76,430 at the ninetieth.
What does this pay actually buy where I live?
More than the figure suggests. Prices in Idaho sit below the national level, so take-home here stretches like $45,290 would elsewhere. The wage is the same; the ground it covers is larger.
Where does the difference between the wage and my paycheck go?
Four deductions, stacked. The federal layer and the two payroll taxes apply wherever you work; Idaho then takes its own share, leaving $41,406.
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 Idaho is $56,940. 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 ($41,270 to $76,430) sits at or below the family's median dispersion, indicating relatively standardized compensation. Percentiles are published per state, so this dispersion is specific to Idaho rather than a national figure.
What is this occupation's price-adjusted compensation in this state?
Idaho'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 $45,290 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 $41,406 reflects federal income tax, OASDI, Medicare and Idaho 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.
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.