Credit Counselors in Ohio
May 2025 wages · tax year 2026
You keep
$42,597
after federal, FICA and Ohio tax
Tax takes
$8,563
16.7% of the whole
Worth, in national money
$46,395
Ohio costs less than average
On that salary you would be around the 25th percentile for this work in Ohio — 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
$51,160
Kept after tax
$42,597
Worth in national money
$46,395
State rank
28
of 46 states
What this pays, and what it is worth
- Neither high nor low. Ohio is 28 of 46 states for credit counselors, with a middle wage of $51,160. What that is worth is the question the rest of this page answers.
- Against other work in Ohio, this sits in the middle: 281 of 494 occupations with published pay. Solidly ordinary for the state, which is not the same as ordinary nationally.
- Ohio is cheaper than average, and that shows up here. From $51,160 the take-home is $42,597; adjusted for what things actually cost, it goes as far as $46,395 would nationally. The average comes to $59,150, above the middle, thanks to the top of the range.
- Ohio ranks 28 of 46 for credit counselors at $51,160. The nominal figure is unremarkable; the adjusted figures are where the state's actual position for this occupation is determined.
- Credit counselors ranks 281 of 494 occupations in Ohio 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.
- Post-tax income for credit counselors in Ohio, on $51,160, is $42,597 — equivalent to $46,395 once regional price parity is applied. ⚠️ The adjustment uses a statewide index that describes no particular address; within-state price variation, concentrated in housing, routinely exceeds the difference between two states. At $59,150 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 | $43,520 |
|---|---|
| Half earn under | $51,160 |
| Top tenth earn over | $86,160 |
| This salary | $51,160 |
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 Ohio | $42,597 |
|---|---|
| Take-home in Texas | $43,287 |
| Once local prices are leveledBEA price parity | −$1,850 |
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 | $50,301 |
|---|---|
| Raise you would need | +$2,237 |
| Prices in Texas | 97 vs 92 |
State taxes and state price levels only. No city tax, and no housing market.
Sources and assumptions
- Half the people doing this work in Ohio earn less than $51,160. The published range is $43,520 up to $86,160, so an individual figure can sit a long way from the middle in either direction.
- In Ohio the take-home figure of $42,597, from $51,160, 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 281 of 494 occupations here.
- Two cautions on $46,395, the adjusted value of that $51,160 median. It levels out prices with a single number for all of Ohio. 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 281 of 494 locally.
- Reported values are medians; for credit counselors in Ohio the tenth-to-ninetieth percentile band is $43,520 to $86,160. Neither the median nor the band is an offer rate, and neither accounts for hours, shift differentials or overtime.
- Take-home for Ohio is computed for a single filer taking the standard deduction with no dependants and no pre-tax contributions, giving $42,597 from $51,160. 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 281 of 494 locally.
- This $46,395 adjusted figure, worked from $51,160, 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 281 of 494 in the state. The occupation ranks 281 of 494 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 $59,150 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?
One title, many jobs. The lowest tenth take $43,520, the highest tenth $86,160, and what separates them is experience, employer and what exactly the role does.
What does this pay actually buy where I live?
Further than the number implies. Ohio is cheaper than the national average, so this take-home behaves like $46,395 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 Ohio's own levy, $42,597 remains.
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.
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 Ohio is $59,150. 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 ($43,520) and the ninetieth ($86,160) 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.
What is this occupation's price-adjusted compensation in this state?
Ohio'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 $46,395 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 $42,597 reflects federal income tax, OASDI, Medicare and Ohio 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.