Credit Counselors in Maine
May 2025 wages · tax year 2026
You keep
$44,341
after federal, FICA and Maine tax
Tax takes
$11,149
20.1% of the whole
Worth, in national money
$45,666
Maine costs less than average
On that salary you would be around the 25th percentile for this work in Maine — 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
$55,490
Kept after tax
$44,341
Worth in national money
$45,666
State rank
16
of 46 states
What this pays, and what it is worth
- Middling, nationally. Maine pays credit counselors around $55,490 at the midpoint, 16 of 46 states. The interesting numbers on this page are the two below it.
- Ordinary, locally speaking. Credit counselors ranks 282 among 484 occupations Maine publishes pay for.
- No great distortion either way. Maine costs about what the country costs, so from $55,490, take-home of $44,341 is worth roughly $45,666 in national money. The average comes to $57,890, above the middle, thanks to the top of the range.
- For credit counselors the Maine median is $55,490, ranking 16 of 46 states reporting. Mid-band nominal positions are the ones most frequently reordered by the adjustments, because no large wage premium exists to absorb a state's tax or price level.
- Position 282 of 484 in Maine places credit counselors in the middle of the state's wage distribution. Because within-state and cross-state rankings measure different things, this figure and the national one above should be read together rather than as a single verdict.
- Price parity in Maine is near the national base, so for credit counselors, whose median is $55,490, the adjusted figure of $45,666 differs little from $44,341 retained after tax. The state's position for this occupation is therefore set by wage and tax rather than by living costs. At $57,890 the mean overshoots the median — the usual right-skewed shape.
Compare this career across states
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Pay band: Credit Counselors
The state median for this job
| Lowest tenth earn under | $43,980 |
|---|---|
| Half earn under | $55,490 |
| Top tenth earn over | $76,700 |
| This salary | $55,490 |
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 Maine | $44,341 |
|---|---|
| Take-home in Texas | $46,766 |
| Once local prices are leveledBEA price parity | +$2,459 |
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 | $52,471 |
|---|---|
| You could take a cut of | −$2,974 |
| Prices in Texas | 97 vs 97 |
State taxes and state price levels only. No city tax, and no housing market.
Sources and assumptions
- Half the people doing this work in Maine earn less than $55,490. The published range is $43,980 up to $76,700, so an individual figure can sit a long way from the middle in either direction.
- That $44,341 take-home in Maine comes from $55,490. 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 282 of 484.
- Two cautions on $45,666, the adjusted value of that $55,490 median. It levels out prices with a single number for all of Maine. 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 282 of 484 locally.
- Reported values are medians; for credit counselors in Maine the tenth-to-ninetieth percentile band is $43,980 to $76,700. Neither the median nor the band is an offer rate, and neither accounts for hours, shift differentials or overtime.
- Retained pay of $44,341, from $55,490, assumes a single Maine 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 282 of 484 locally, and the state ranks 16 of 46 for it.
- This $45,666 adjusted figure, worked from $55,490, 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 282 of 484 in the state. The occupation ranks 282 of 484 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 $57,890, 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?
Less than you might expect. The bottom tenth earn $43,980 and the top tenth $76,700, so most people doing this work in Maine sit within a fairly tight band.
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 $45,666.
Where does the difference between the wage and my paycheck go?
Into four separate taxes, not one. Federal income tax, Social Security and Medicare apply everywhere, and Maine adds its own income tax on top — which is why $44,341 of this wage survives to your account.
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 Maine is $57,890. 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 ($43,980 to $76,700) sits at or below the family's median dispersion, indicating relatively standardized compensation. Percentiles are published per state, so this dispersion is specific to Maine rather than a national figure.
What is this occupation's price-adjusted compensation in this state?
Maine'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 $45,666 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 $44,341 reflects federal income tax, OASDI, Medicare and Maine 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.