Credit Counselors in Oregon
May 2025 wages · tax year 2026
You keep
$45,082
after federal, FICA and Oregon tax
Tax takes
$14,068
23.8% of the whole
Worth, in national money
$43,049
Oregon costs more than average
On that salary you would be around the 25th percentile for this work in Oregon — 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
$59,150
Kept after tax
$45,082
Worth in national money
$43,049
State rank
10
of 46 states
What this pays, and what it is worth
- This is a good state for the work. Oregon pays credit counselors a middle wage of $59,150, ranking 10 of 46 states and sitting about 13.25% above the national middle.
- Against other work in Oregon, this sits in the middle: 282 of 489 occupations with published pay. Solidly ordinary for the state, which is not the same as ordinary nationally.
- Oregon is an expensive state, and the adjusted figure shows it. From $59,150 the take-home is $45,082; in national-average money that behaves like $43,049. The average comes to $61,840, above the middle, thanks to the top of the range.
- Oregon's median for credit counselors is $59,150, about 13.25% above the national figure and 10 of 46 states reporting. Whether that premium reaches the worker depends on the two adjustments below, which is the part a wage table cannot tell you.
- Credit counselors ranks 282 of 489 occupations in Oregon 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.
- Take-home for credit counselors in Oregon, on $59,150, is $45,082; deflated by the state's price level, $43,049. ⚠️ The deflator is statewide, so it understates the erosion in the state's metropolitan areas and overstates it outside them. At $61,840 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 | $46,300 |
|---|---|
| Half earn under | $59,150 |
| Top tenth earn over | $81,990 |
| This salary | $59,150 |
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 Oregon | $45,082 |
|---|---|
| Take-home in Texas | $49,707 |
| Once local prices are leveledBEA price parity | +$8,103 |
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 | $53,393 |
|---|---|
| You could take a cut of | −$9,800 |
| Prices in Texas | 97 vs 105 |
State taxes and state price levels only. No city tax, and no housing market.
Sources and assumptions
- Treat $59,150 as a midpoint for Oregon, not a promise. The tenth percentile is $46,300 and the ninetieth is $81,990 — a wide band, and where you land in it depends on far more than the state.
- That $45,082 take-home in Oregon comes from $59,150. 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 282 of 489.
- The wage data and the price data come from different years. That is how each is published. The price adjustment behind $43,049 uses one figure for the whole of Oregon. A city and a rural county there can differ by more than two states do. Out of 489 occupations the state publishes, this one sits at 282.
- The Oregon median of $59,150 describes the midpoint of a distribution spanning $46,300 to $81,990. Because that spread is typically larger than the interstate spread, a state median is a weak predictor for any individual worker in this occupation.
- Retained pay of $45,082, from $59,150, assumes a single Oregon 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 282 of 489 locally, and the state ranks 10 of 46 for it.
- Wage and price series carry different reference periods, each published on its own schedule. The real-terms figure of $43,049, worked from $59,150, 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 Oregon address, on work sitting at 282 of 489 locally.
Questions people ask
Is this the average pay for the job?
It is the midpoint, not the average. The average here is $61,840, dragged up by high earners; the middle figure describes a typical worker better.
How much does pay for this job actually vary?
Most of these jobs pay within a close range — $46,300 at the tenth percentile, $81,990 at the ninetieth.
Does a bigger number here mean I am better off?
Not on its own. Prices in Oregon run above the national level, so the same dollars buy less here. Adjusted for that, this pay is worth $43,049 — the wage did not change, only what it covers.
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 Oregon's own levy, $45,082 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 Oregon is $61,840. 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 ($46,300 to $81,990) sits at or below the family's median dispersion, indicating relatively standardized compensation. Percentiles are published per state, so this dispersion is specific to Oregon rather than a national figure.
How does the state price level affect real compensation?
Oregon's regional price parity sits above the national average, so nominal wages overstate purchasing power. Deflating take-home by the state price level gives $43,049 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 $45,082 reflects federal income tax, OASDI, Medicare and Oregon 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.