Credit Counselors in New Jersey
May 2025 wages · tax year 2026
You keep
$46,513
after federal, FICA and New Jersey tax
Tax takes
$10,667
18.7% of the whole
Worth, in national money
$42,718
New Jersey costs more than average
On that salary you would be around the 25th percentile for this work in New Jersey — 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
$57,180
Kept after tax
$46,513
Worth in national money
$42,718
State rank
14
of 46 states
What this pays, and what it is worth
- Pay for credit counselors is strong here. New Jersey's middle earner gets $57,180, putting the state 14 of 46 — about 9.48% ahead of the national figure.
- Ordinary, locally speaking. Credit counselors ranks 313 among 490 occupations New Jersey publishes pay for.
- New Jersey is an expensive state, and the adjusted figure shows it. From $57,180 the take-home is $46,513; in national-average money that behaves like $42,718. The average lands at $56,680, below the middle of the range.
- For credit counselors, New Jersey sits in the upper band nationally: a median of $57,180, ranking 14 of 46 and running about 9.48% above the national midpoint. Nominal advantage of this size is usually, though not always, large enough to survive the state's own tax and price levels.
- Position 313 of 490 in New Jersey 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.
- Take-home for credit counselors in New Jersey, on $57,180, is $46,513; deflated by the state's price level, $42,718. ⚠️ The deflator is statewide, so it understates the erosion in the state's metropolitan areas and overstates it outside them. At $56,680 the mean undershoots the median, an inversion of the usual skew.
Compare this career across states
Choose your filing status and local taxes, compare pay, and keep a shortlist.Compare wage and personal-pay outcomes by state, with selected resident local taxes and saved career choices.
Pay band: Credit Counselors
The state median for this job
| Lowest tenth earn under | $40,440 |
|---|---|
| Half earn under | $57,180 |
| Top tenth earn over | $75,740 |
| This salary | $57,180 |
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 New Jersey | $46,513 |
|---|---|
| Take-home in Texas | $48,124 |
| Once local prices are leveledBEA price parity | +$6,805 |
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 | $55,174 |
|---|---|
| You could take a cut of | −$8,230 |
| Prices in Texas | 97 vs 109 |
State taxes and state price levels only. No city tax, and no housing market.
Sources and assumptions
- Half the people doing this work in New Jersey earn less than $57,180. The published range is $40,440 up to $75,740, so an individual figure can sit a long way from the middle in either direction.
- That $46,513 take-home in New Jersey comes from $57,180. 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 313 of 490.
- The wage data and the price data come from different years. That is how each is published. The price adjustment behind $42,718 uses one figure for the whole of New Jersey. A city and a rural county there can differ by more than two states do. Out of 490 occupations the state publishes, this one sits at 313.
- Reported values are medians; for credit counselors in New Jersey the tenth-to-ninetieth percentile band is $40,440 to $75,740. Neither the median nor the band is an offer rate, and neither accounts for hours, shift differentials or overtime.
- Retained pay of $46,513, from $57,180, assumes a single New Jersey 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 313 of 490 locally, and the state ranks 14 of 46 for it.
- Wage and price series carry different reference periods, each published on its own schedule. The real-terms figure of $42,718, worked from $57,180, 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 New Jersey address, on work sitting at 313 of 490 locally.
Questions people ask
How much does pay for this job actually vary?
Most of these jobs pay within a close range — $40,440 at the tenth percentile, $75,740 at the ninetieth.
Does a bigger number here mean I am better off?
Not on its own. Prices in New Jersey run above the national level, so the same dollars buy less here. Adjusted for that, this pay is worth $42,718 — the wage did not change, only what it covers.
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; New Jersey then takes its own share, leaving $46,513.
Why is this job missing from some states?
The survey withholds small samples rather than publish an unreliable number. Pay appears for 46 states here, and a missing state means too few reports, not no jobs.
What is the dispersion of this occupation's wage distribution?
The tenth-to-ninetieth percentile span ($40,440 to $75,740) sits at or below the family's median dispersion, indicating relatively standardized compensation. Percentiles are published per state, so this dispersion is specific to New Jersey rather than a national figure.
How does the state price level affect real compensation?
New Jersey's regional price parity sits above the national average, so nominal wages overstate purchasing power. Deflating take-home by the state price level gives $42,718 in national-average terms. ⚠️ RPPs are an all-items index; housing parities vary far more widely than the headline figure.
What accounts for the gap between gross wage and take-home here?
Take-home of $46,513 reflects federal income tax, OASDI, Medicare and New Jersey 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.