Credit Counselors in Indiana
May 2025 wages · tax year 2026
You keep
$39,501
after federal, FICA and Indiana tax
Tax takes
$8,679
18.0% of the whole
Worth, in national money
$42,850
Indiana costs less than average
On that salary you would be around the 25th percentile for this work in Indiana — 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
$48,180
Kept after tax
$39,501
Worth in national money
$42,850
State rank
33
of 46 states
What this pays, and what it is worth
- The nominal figure here is modest. Indiana pays credit counselors a middle wage of $48,180, 33 of 46 states and about 7.75% below the national middle. Hold that thought until the adjusted numbers.
- Against other work in Indiana, this sits in the middle: 319 of 493 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 $48,180 you keep $39,501 after tax, and local prices stretch that to the equivalent of $42,850 at national prices. Averages run higher here, $49,680, since top earners drag the number up.
- Indiana's $48,180 median for credit counselors places it 33 of 46 states, about 7.75% 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 counselors ranks 319 of 493 occupations in Indiana 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 Indiana is $39,501 after the full tax stack, from $48,180. Because the state's price level runs below the national average, the price-adjusted equivalent is $42,850 — a real-terms figure describing purchasing power rather than compensation, and not a number that appears on any pay stub. Mean pay of $49,680 exceeds the median, so the upper tail is doing the work.
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Pay band: Credit Counselors
The state median for this job
| Lowest tenth earn under | $37,840 |
|---|---|
| Half earn under | $48,180 |
| Top tenth earn over | $60,510 |
| This salary | $48,180 |
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 Indiana | $39,501 |
|---|---|
| Take-home in Texas | $40,893 |
| 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 | $46,448 |
|---|---|
| Raise you would need | +$929 |
| Prices in Texas | 97 vs 92 |
State taxes and state price levels only. No city tax, and no housing market.
Sources and assumptions
- Treat $48,180 as a midpoint for Indiana, not a promise. The tenth percentile is $37,840 and the ninetieth is $60,510 — a wide band, and where you land in it depends on far more than the state.
- One filer, no dependants, no pension contributions — that is the household behind Indiana's $39,501, worked from $48,180. 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 319 of 493.
- One number stands for prices across all of Indiana, which is a simplification — big cities cost far more than small towns. Read $42,850, the adjusted value of that $48,180 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 319 of 493 in the state.
- The Indiana median of $48,180 describes the midpoint of a distribution spanning $37,840 to $60,510. Because that spread is typically larger than the interstate spread, a state median is a weak predictor for any individual worker in this occupation.
- The Indiana take-home of $39,501, on $48,180 for work ranking 319 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 319 of 493 in the state.
- Price deflation uses one statewide parity for Indiana, so $42,850 — the adjusted value of that $48,180 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 319 of 493 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 $49,680, pulled upward by the top of the range, which is why the middle is the fairer number to plan against.
How much does pay for this job actually vary?
Most of these jobs pay within a close range — $37,840 at the tenth percentile, $60,510 at the ninetieth.
What does this pay actually buy where I live?
Further than the number implies. Indiana is cheaper than the national average, so this take-home behaves like $42,850 in national terms.
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 Indiana's own levy, $39,501 remains.
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 Indiana is $49,680. 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 ($37,840 to $60,510) sits at or below the family's median dispersion, indicating relatively standardized compensation. Percentiles are published per state, so this dispersion is specific to Indiana rather than a national figure.
What is this occupation's price-adjusted compensation in this state?
Indiana'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 $42,850 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 $39,501 reflects federal income tax, OASDI, Medicare and Indiana 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.