Credit Counselors in South Dakota
May 2025 wages · tax year 2026
You keep
$41,463
after federal, FICA and South Dakota tax
Tax takes
$7,427
15.2% of the whole
Worth, in national money
$47,066
South Dakota costs less than average
On that salary you would be around the 25th percentile for this work in South 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
$48,890
Kept after tax
$41,463
Worth in national money
$47,066
State rank
31
of 46 states
What this pays, and what it is worth
- Pay for credit counselors is on the low side in South Dakota. The middle earner gets $48,890. That is 31 of 46 states, and about 6.39% under the national figure. Whether that matters depends on what things cost here.
- Ordinary, locally speaking. Credit counselors ranks 269 among 457 occupations South Dakota publishes pay for.
- Cheaper living works in this state's favor. From $48,890 you keep $41,463 after tax, and local prices stretch that to the equivalent of $47,066 at national prices. Here the average runs under the middle, at $48,120.
- For credit counselors, South Dakota sits in the lower band at $48,890, ranking 31 of 46 and trailing the national median by about 6.39%. Nominal rankings routinely invert once tax and regional price level are applied, so this position should not be read as the conclusion.
- Position 269 of 457 in South 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.
- Retained pay in South Dakota is $41,463 after the full tax stack, from $48,890. Because the state's price level runs below the national average, the price-adjusted equivalent is $47,066 — a real-terms figure describing purchasing power rather than compensation, and not a number that appears on any pay stub. Mean pay of $48,120 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 | $45,400 |
|---|---|
| Half earn under | $48,890 |
| Top tenth earn over | $51,980 |
| This salary | $48,890 |
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 Dakota | $41,463 |
|---|---|
| Take-home in Texas | $41,463 |
| Once local prices are leveledBEA price parity | −$4,398 |
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 | $48,890 |
|---|---|
| Raise you would need | +$5,319 |
| Prices in Texas | 97 vs 88 |
State taxes and state price levels only. No city tax, and no housing market.
Sources and assumptions
- Half the people doing this work in South Dakota earn less than $48,890. The published range is $45,400 up to $51,980, so an individual figure can sit a long way from the middle in either direction.
- That $41,463 take-home in South Dakota comes from $48,890. 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 269 of 457.
- One number stands for prices across all of South Dakota, which is a simplification — big cities cost far more than small towns. Read $47,066, the adjusted value of that $48,890 median, as a way to compare states fairly, not as a quote for any particular place. The two datasets are also from different years. This job sits at 269 of 457 in the state.
- Reported values are medians; for credit counselors in South Dakota the tenth-to-ninetieth percentile band is $45,400 to $51,980. Neither the median nor the band is an offer rate, and neither accounts for hours, shift differentials or overtime.
- Retained pay of $41,463, from $48,890, assumes a single South Dakota 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 269 of 457 locally, and the state ranks 31 of 46 for it.
- Price deflation uses one statewide parity for South Dakota, so $47,066 — the adjusted value of that $48,890 median — establishes comparability between states rather than accuracy within one. The wage and parity series are dated independently, each following its own publication cycle, and neither is projected forward. This occupation sits at 269 of 457 locally.
Questions people ask
How much does pay for this job actually vary?
The range here is narrow. From $45,400 at the bottom tenth to $51,980 at the top, pay for this work clusters rather than spreads.
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 $47,066.
Is most of this wage taxed away?
Most of it arrives. $41,463 lands after tax, since there is no state income tax on wages here — though the federal floor is identical in every state.
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.
What is the dispersion of this occupation's wage distribution?
The tenth-to-ninetieth percentile span ($45,400 to $51,980) 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 Dakota rather than a national figure.
What is this occupation's price-adjusted compensation in this state?
South 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 $47,066 in national-average terms. The adjustment uses an all-items index and does not isolate housing.
Why is the take-home ratio comparatively high in this state?
South Dakota levies no personal income tax on wages, so take-home of $41,463 reflects the federal layer and FICA alone. Federal income tax and FICA are unchanged; states without a wage income tax generally recover revenue through consumption and property bases instead.
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.