Credit Counselors in South Carolina
May 2025 wages · tax year 2026
You keep
$43,707
after federal, FICA and South Carolina tax
Tax takes
$9,483
17.8% of the whole
Worth, in national money
$46,908
South Carolina costs less than average
On that salary you would be around the 25th percentile for this work in South Carolina — 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
$53,190
Kept after tax
$43,707
Worth in national money
$46,908
State rank
19
of 46 states
What this pays, and what it is worth
- South Carolina sits in the middle of the pack for credit counselors. The median is $53,190, ranking 19 of 46 states with figures. Close enough to the national middle that where you live matters more than the headline suggests.
- Against other work in South Carolina, this sits in the middle: 249 of 492 occupations with published pay. Solidly ordinary for the state, which is not the same as ordinary nationally.
- Cheaper living works in this state's favor. From $53,190 you keep $43,707 after tax, and local prices stretch that to the equivalent of $46,908 at national prices. Here the average runs under the middle, at $53,010.
- South Carolina occupies the middle band for credit counselors: a median of $53,190, ranking 19 of 46. Where nominal pay is close to the national figure, the tax and price adjustments below carry proportionally more weight in determining the real outcome.
- Credit counselors ranks 249 of 492 occupations in South Carolina 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.
- Retained pay in South Carolina is $43,707 after the full tax stack, from $53,190. Because the state's price level runs below the national average, the price-adjusted equivalent is $46,908 — a real-terms figure describing purchasing power rather than compensation, and not a number that appears on any pay stub. Mean pay of $53,010 sits under the median, so the lower tail is the longer one.
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Pay band: Credit Counselors
The state median for this job
| Lowest tenth earn under | $38,960 |
|---|---|
| Half earn under | $53,190 |
| Top tenth earn over | $64,550 |
| This salary | $53,190 |
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 South Carolina | $43,707 |
|---|---|
| Take-home in Texas | $44,918 |
| Once local prices are leveledBEA price parity | −$684 |
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 | $51,683 |
|---|---|
| Raise you would need | +$827 |
| Prices in Texas | 97 vs 93 |
State taxes and state price levels only. No city tax, and no housing market.
Sources and assumptions
- A median is the middle, not an offer. Half of credit counselors in South Carolina earn under $53,190 and half over. The published range runs $38,960 at the tenth percentile to $64,550 at the ninetieth. Experience and employer move an individual a long way inside that.
- One filer, no dependants, no pension contributions — that is the household behind South Carolina's $43,707, worked from $53,190. 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 249 of 492.
- Two cautions on $46,908, the adjusted value of that $53,190 median. It levels out prices with a single number for all of South Carolina. 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 249 of 492 locally.
- Figures are distribution medians for credit counselors in South Carolina, not entry or offer rates. The published band runs $38,960 to $64,550; within-state dispersion of that width routinely exceeds the dispersion between states, so tenure, employer and metropolitan area predict an individual's pay better than geography does.
- The South Carolina take-home of $43,707, on $53,190 for work ranking 249 of 492 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 249 of 492 in the state.
- This $46,908 adjusted figure, worked from $53,190, 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 249 of 492 in the state. The occupation ranks 249 of 492 locally.
Questions people ask
How much does pay for this job actually vary?
Most of these jobs pay within a close range — $38,960 at the tenth percentile, $64,550 at the ninetieth.
What does this pay actually buy where I live?
A smaller wage in a cheaper place is not automatically less. Adjusted for local prices, this is worth $46,908.
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; South Carolina then takes its own share, leaving $43,707.
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.
What is the dispersion of this occupation's wage distribution?
The tenth-to-ninetieth percentile span ($38,960 to $64,550) sits at or below the family's median dispersion, indicating relatively standardized compensation. Percentiles are published per state, so this dispersion is specific to South Carolina rather than a national figure.
What is this occupation's price-adjusted compensation in this state?
South Carolina'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 $46,908 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 $43,707 reflects federal income tax, OASDI, Medicare and South Carolina 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.