Credit Counselors in Mississippi
May 2025 wages · tax year 2026
You keep
$37,385
after federal, FICA and Mississippi tax
Tax takes
$8,605
18.7% of the whole
Worth, in national money
$42,828
Mississippi costs less than average
On that salary you would be around the 25th percentile for this work in Mississippi — 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
$45,990
Kept after tax
$37,385
Worth in national money
$42,828
State rank
41
of 46 states
What this pays, and what it is worth
- The nominal figure here is modest. Mississippi pays credit counselors a middle wage of $45,990, 41 of 46 states and about 11.95% below the national middle. Hold that thought until the adjusted numbers.
- Against other work in Mississippi, this sits in the middle: 278 of 486 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 $45,990 you keep $37,385 after tax, and local prices stretch that to the equivalent of $42,828 at national prices. Here the average runs under the middle, at $45,440.
- Mississippi's $45,990 median for credit counselors places it 41 of 46 states, about 11.95% 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 278 of 486 occupations in Mississippi 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 Mississippi is $37,385 after the full tax stack, from $45,990. Because the state's price level runs below the national average, the price-adjusted equivalent is $42,828 — a real-terms figure describing purchasing power rather than compensation, and not a number that appears on any pay stub. Mean pay of $45,440 sits under the median, so the lower tail is the longer one.
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Pay band: Credit Counselors
The state median for this job
| Lowest tenth earn under | $32,020 |
|---|---|
| Half earn under | $45,990 |
| Top tenth earn over | $57,700 |
| This salary | $45,990 |
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 Mississippi | $37,385 |
|---|---|
| Take-home in Texas | $39,133 |
| Once local prices are leveledBEA price parity | −$2,557 |
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 | $43,815 |
|---|---|
| Raise you would need | +$3,093 |
| Prices in Texas | 97 vs 87 |
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 Mississippi earn under $45,990 and half over. The published range runs $32,020 at the tenth percentile to $57,700 at the ninetieth. Experience and employer move an individual a long way inside that.
- In Mississippi the take-home figure of $37,385, from $45,990, 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 278 of 486 occupations here.
- Two cautions on $42,828, the adjusted value of that $45,990 median. It levels out prices with a single number for all of Mississippi. 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 278 of 486 locally.
- Figures are distribution medians for credit counselors in Mississippi, not entry or offer rates. The published band runs $32,020 to $57,700; 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.
- Take-home for Mississippi is computed for a single filer taking the standard deduction with no dependants and no pre-tax contributions, giving $37,385 from $45,990. 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 278 of 486 locally.
- This $42,828 adjusted figure, worked from $45,990, 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 278 of 486 in the state. The occupation ranks 278 of 486 locally.
Questions people ask
How much does pay for this job actually vary?
The range here is narrow. From $32,020 at the bottom tenth to $57,700 at the top, pay for this work clusters rather than spreads.
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 $42,828.
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; Mississippi then takes its own share, leaving $37,385.
Why is this job missing from some states?
A blank is a suppression, not a zero. 46 states have a published figure for this work; the others had too few responses to release one.
What is the dispersion of this occupation's wage distribution?
The tenth-to-ninetieth percentile span ($32,020 to $57,700) sits at or below the family's median dispersion, indicating relatively standardized compensation. Percentiles are published per state, so this dispersion is specific to Mississippi rather than a national figure.
What is this occupation's price-adjusted compensation in this state?
Mississippi'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 $42,828 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 $37,385 reflects federal income tax, OASDI, Medicare and Mississippi 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.