Credit Counselors in North Dakota
May 2025 wages · tax year 2026
You keep
$44,139
after federal, FICA and North Dakota tax
Tax takes
$8,081
15.5% of the whole
Worth, in national money
$49,834
North Dakota costs less than average
On that salary you would be around the 25th percentile for this work in North Dakota — 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
$52,220
Kept after tax
$44,139
Worth in national money
$49,834
State rank
21
of 46 states
What this pays, and what it is worth
- Neither high nor low. North Dakota is 21 of 46 states for credit counselors, with a middle wage of $52,220. What that is worth is the question the rest of this page answers.
- Ordinary, locally speaking. Credit counselors ranks 294 among 460 occupations North Dakota publishes pay for.
- Here is where North Dakota does better than its wage suggests. From a median of $52,220 you keep $44,139, and because things cost less here than the national average, that behaves like $49,834 would elsewhere. The average is higher, $55,810, because the best-paid pull it up.
- North Dakota ranks 21 of 46 for credit counselors at $52,220. The nominal figure is unremarkable; the adjusted figures are where the state's actual position for this occupation is determined.
- Position 294 of 460 in North Dakota 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.
- After federal, FICA and North Dakota income tax, retained pay for credit counselors on $52,220 is $44,139. Deflating by the state's price level — below the national average — gives $49,834 in national-average terms. ⚠️ That figure is purchasing power, not a wage, and nobody is paid it; it is what the take-home buys. The mean of $55,810 sits above the median, the right skew typical of wage data.
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Pay band: Credit Counselors
The state median for this job
| Lowest tenth earn under | $51,360 |
|---|---|
| Half earn under | $52,220 |
| Top tenth earn over | $62,120 |
| This salary | $52,220 |
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 North Dakota | $44,139 |
|---|---|
| Take-home in Texas | $44,139 |
| Once local prices are leveledBEA price parity | −$4,412 |
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 | $52,220 |
|---|---|
| Raise you would need | +$5,336 |
| Prices in Texas | 97 vs 89 |
State taxes and state price levels only. No city tax, and no housing market.
Sources and assumptions
- Half the people doing this work in North Dakota earn less than $52,220. The published range is $51,360 up to $62,120, so an individual figure can sit a long way from the middle in either direction.
- One filer, no dependants, no pension contributions — that is the household behind North Dakota's $44,139, worked from $52,220. 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 294 of 460.
- Two cautions on $49,834, the adjusted value of that $52,220 median. It levels out prices with a single number for all of North Dakota. 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 294 of 460 locally.
- Reported values are medians; for credit counselors in North Dakota the tenth-to-ninetieth percentile band is $51,360 to $62,120. Neither the median nor the band is an offer rate, and neither accounts for hours, shift differentials or overtime.
- The North Dakota take-home of $44,139, on $52,220 for work ranking 294 of 460 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 294 of 460 in the state.
- This $49,834 adjusted figure, worked from $52,220, 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 294 of 460 in the state. The occupation ranks 294 of 460 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 $55,810, 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 — $51,360 at the tenth percentile, $62,120 at the ninetieth.
What does this pay actually buy where I live?
Further than the number implies. North Dakota is cheaper than the national average, so this take-home behaves like $49,834 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 North Dakota's own levy, $44,139 remains.
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 North Dakota is $55,810. 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 ($51,360 to $62,120) sits at or below the family's median dispersion, indicating relatively standardized compensation. Percentiles are published per state, so this dispersion is specific to North Dakota rather than a national figure.
What is this occupation's price-adjusted compensation in this state?
North Dakota'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 $49,834 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 $44,139 reflects federal income tax, OASDI, Medicare and North Dakota 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.