Credit Counselors in Rhode Island
May 2025 wages · tax year 2026
You keep
$47,396
after federal, FICA and Rhode Island tax
Tax takes
$11,084
19.0% of the whole
Worth, in national money
$46,736
Rhode Island costs more than average
On that salary you would be around the 25th percentile for this work in Rhode Island — 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
$58,480
Kept after tax
$47,396
Worth in national money
$46,736
State rank
12
of 46 states
What this pays, and what it is worth
- Rhode Island is one of the better-paying states for credit counselors. The middle earner takes $58,480, which ranks 12 of 46 states with published figures. That is about 11.97% above the national middle.
- Ordinary, locally speaking. Credit counselors ranks 266 among 452 occupations Rhode Island publishes pay for.
- No great distortion either way. Rhode Island costs about what the country costs, so from $58,480, take-home of $47,396 is worth roughly $46,736 in national money. The average comes to $63,330, above the middle, thanks to the top of the range.
- Rhode Island ranks 12 of 46 states publishing a median for credit counselors, at $58,480 — about 11.97% above the national median. A state's position on nominal pay is the figure wage tables report and the least informative of the three on this page, because it survives neither the tax adjustment nor the price adjustment intact for most occupations.
- Position 266 of 452 in Rhode Island 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.
- Price parity in Rhode Island is near the national base, so for credit counselors, whose median is $58,480, the adjusted figure of $46,736 differs little from $47,396 retained after tax. The state's position for this occupation is therefore set by wage and tax rather than by living costs. At $63,330 the mean overshoots the median — the usual right-skewed shape.
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Pay band: Credit Counselors
The state median for this job
| Lowest tenth earn under | $48,890 |
|---|---|
| Half earn under | $58,480 |
| Top tenth earn over | $79,770 |
| This salary | $58,480 |
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 Rhode Island | $47,396 |
|---|---|
| Take-home in Texas | $49,169 |
| Once local prices are leveledBEA price parity | +$3,862 |
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 | $56,273 |
|---|---|
| You could take a cut of | −$4,671 |
| Prices in Texas | 97 vs 101 |
State taxes and state price levels only. No city tax, and no housing market.
Sources and assumptions
- Treat $58,480 as a midpoint for Rhode Island, not a promise. The tenth percentile is $48,890 and the ninetieth is $79,770 — a wide band, and where you land in it depends on far more than the state.
- In Rhode Island the take-home figure of $47,396, from $58,480, 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 266 of 452 occupations here.
- The wage data and the price data come from different years. That is how each is published. The price adjustment behind $46,736 uses one figure for the whole of Rhode Island. A city and a rural county there can differ by more than two states do. Out of 452 occupations the state publishes, this one sits at 266.
- The Rhode Island median of $58,480 describes the midpoint of a distribution spanning $48,890 to $79,770. Because that spread is typically larger than the interstate spread, a state median is a weak predictor for any individual worker in this occupation.
- Take-home for Rhode Island is computed for a single filer taking the standard deduction with no dependants and no pre-tax contributions, giving $47,396 from $58,480. 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 266 of 452 locally.
- Wage and price series carry different reference periods, each published on its own schedule. The real-terms figure of $46,736, worked from $58,480, 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 Rhode Island address, on work sitting at 266 of 452 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 $63,330, 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?
The range here is narrow. From $48,890 at the bottom tenth to $79,770 at the top, pay for this work clusters rather than spreads.
Does a bigger number here mean I am better off?
The number and the value are different things. Rhode Island costs more than the national average, so this take-home stretches like $46,736 rather than its face figure.
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; Rhode Island then takes its own share, leaving $47,396.
Why is this job missing from some states?
Because the survey suppresses a figure when too few employers report it. This occupation has published pay in 46 states — the rest are withheld to protect confidentiality, which is not the same as nobody doing the work there.
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 Rhode Island is $63,330. 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 ($48,890 to $79,770) sits at or below the family's median dispersion, indicating relatively standardized compensation. Percentiles are published per state, so this dispersion is specific to Rhode Island rather than a national figure.
How does the state price level affect real compensation?
Rhode Island's regional price parity sits above the national average, so nominal wages overstate purchasing power. Deflating take-home by the state price level gives $46,736 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 $47,396 reflects federal income tax, OASDI, Medicare and Rhode Island 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.