Credit Counselors in New York
May 2025 wages · tax year 2026
You keep
$50,018
after federal, FICA and New York tax
Tax takes
$13,012
20.6% of the whole
Worth, in national money
$46,474
New York costs more than average
On that salary you would be around the 25th percentile for this work in New York — 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
$63,030
Kept after tax
$50,018
Worth in national money
$46,474
State rank
5
of 46 states
What this pays, and what it is worth
- Pay for credit counselors is strong here. New York's middle earner gets $63,030, putting the state 5 of 46 — about 20.68% ahead of the national figure.
- Ordinary, locally speaking. Credit counselors ranks 267 among 493 occupations New York publishes pay for.
- The wage here flatters the reality. From $63,030 the take-home is $50,018. But New York costs more than the national average, so that money behaves more like $46,474 would elsewhere. Worth knowing before comparing offers across states. The average is higher, $68,590, because the best-paid pull it up.
- For credit counselors, New York sits in the upper band nationally: a median of $63,030, ranking 5 of 46 and running about 20.68% 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 267 of 493 in New York 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.
- Retained pay after federal, FICA and New York income tax is $50,018 for credit counselors, from $63,030. The state's price level exceeds the national average, so the price-adjusted equivalent is $46,474. ⚠️ This is purchasing power and not a wage; cross-state offer comparisons that stop at the nominal figure systematically overvalue high-cost states. The mean of $68,590 sits above the median, the right skew typical of wage data.
Compare this career across states
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Pay band: Credit Counselors
The state median for this job
| Lowest tenth earn under | $48,720 |
|---|---|
| Half earn under | $63,030 |
| Top tenth earn over | $100,720 |
| This salary | $63,030 |
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 York | $50,018 |
|---|---|
| Take-home in Texas | $52,825 |
| Once local prices are leveledBEA price parity | +$7,886 |
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 | $59,537 |
|---|---|
| You could take a cut of | −$9,538 |
| Prices in Texas | 97 vs 108 |
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 York earn less than $63,030. The published range is $48,720 up to $100,720, so an individual figure can sit a long way from the middle in either direction.
- That $50,018 take-home in New York comes from $63,030. 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 267 of 493.
- Two cautions on $46,474, the adjusted value of that $63,030 median. It levels out prices with a single number for all of New York. 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 267 of 493 locally.
- Reported values are medians; for credit counselors in New York the tenth-to-ninetieth percentile band is $48,720 to $100,720. Neither the median nor the band is an offer rate, and neither accounts for hours, shift differentials or overtime.
- Retained pay of $50,018, from $63,030, assumes a single New York 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 267 of 493 locally, and the state ranks 5 of 46 for it.
- This $46,474 adjusted figure, worked from $63,030, 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 267 of 493 in the state. The occupation ranks 267 of 493 locally.
Questions people ask
Is this the average pay for the job?
Half earn more than this and half earn less. The average sits at $68,590 because a long tail of high pay lifts it, so the two answer different questions.
Why is the pay range for this job so wide?
Because one job title covers very different work. The bottom tenth here earn $48,720 and the top tenth $100,720 — experience, employer and specialism separate them, and a single figure hides all three.
Does a bigger number here mean I am better off?
A larger wage in a dearer place is not automatically more. Adjusted for local prices, this pay behaves like $46,474 of national purchasing power.
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 York then takes its own share, leaving $50,018.
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.
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 New York is $68,590. 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 drives the percentile dispersion in this occupation?
Dispersion between the tenth percentile ($48,720) and the ninetieth ($100,720) exceeds the family median dispersion. SOC codes aggregate roles differing in seniority, industry and specialisation, and BLS does not disaggregate below the detailed occupation level, so within-title variance is not separable from the published series.
How does the state price level affect real compensation?
New York's regional price parity sits above the national average, so nominal wages overstate purchasing power. Deflating take-home by the state price level gives $46,474 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 $50,018 reflects federal income tax, OASDI, Medicare and New York 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.