Credit Counselors in Texas
May 2025 wages · tax year 2026
You keep
$40,925
after federal, FICA and Texas tax
Tax takes
$7,295
15.1% of the whole
Worth, in national money
$42,115
Texas costs less than average
On that salary you would be around the 25th percentile for this work in Texas — 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
$48,220
Kept after tax
$40,925
Worth in national money
$42,115
State rank
32
of 46 states
What this pays, and what it is worth
- Pay for credit counselors is on the low side in Texas. The middle earner gets $48,220. That is 32 of 46 states, and about 7.68% under the national figure. Whether that matters depends on what things cost here.
- Against other work in Texas, this sits in the middle: 296 of 493 occupations with published pay. Solidly ordinary for the state, which is not the same as ordinary nationally.
- No great distortion either way. Texas costs about what the country costs, so from $48,220, take-home of $40,925 is worth roughly $42,115 in national money. The average comes to $50,420, above the middle, thanks to the top of the range.
- For credit counselors, Texas sits in the lower band at $48,220, ranking 32 of 46 and trailing the national median by about 7.68%. Nominal rankings routinely invert once tax and regional price level are applied, so this position should not be read as the conclusion.
- Credit counselors ranks 296 of 493 occupations in Texas 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.
- Price parity in Texas is near the national base, so for credit counselors, whose median is $48,220, the adjusted figure of $42,115 differs little from $40,925 retained after tax. The state's position for this occupation is therefore set by wage and tax rather than by living costs. At $50,420 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 | $36,120 |
|---|---|
| Half earn under | $48,220 |
| Top tenth earn over | $66,750 |
| This salary | $48,220 |
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 Texas | $40,925 |
|---|---|
| Take-home in Florida | $40,925 |
| Once local prices are leveledBEA price parity | −$2,555 |
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 | $48,220 |
|---|---|
| Raise you would need | +$3,290 |
| Prices in Florida | 103 vs 97 |
State taxes and state price levels only. No city tax, and no housing market.
Sources and assumptions
- Treat $48,220 as a midpoint for Texas, not a promise. The tenth percentile is $36,120 and the ninetieth is $66,750 — a wide band, and where you land in it depends on far more than the state.
- One filer, no dependants, no pension contributions — that is the household behind Texas's $40,925, worked from $48,220. 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 296 of 493.
- The wage data and the price data come from different years. That is how each is published. The price adjustment behind $42,115 uses one figure for the whole of Texas. A city and a rural county there can differ by more than two states do. Out of 493 occupations the state publishes, this one sits at 296.
- The Texas median of $48,220 describes the midpoint of a distribution spanning $36,120 to $66,750. Because that spread is typically larger than the interstate spread, a state median is a weak predictor for any individual worker in this occupation.
- The Texas take-home of $40,925, on $48,220 for work ranking 296 of 493 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 296 of 493 in the state.
- Wage and price series carry different reference periods, each published on its own schedule. The real-terms figure of $42,115, worked from $48,220, 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 Texas address, on work sitting at 296 of 493 locally.
Questions people ask
Is this the average pay for the job?
It is the midpoint, not the average. The average here is $50,420, 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 — $36,120 at the tenth percentile, $66,750 at the ninetieth.
What does this pay actually buy where I live?
Further than the number implies. Texas is cheaper than the national average, so this take-home behaves like $42,115 in national terms.
Is most of this wage taxed away?
Most of it arrives. $40,925 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?
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 Texas is $50,420. 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 ($36,120 to $66,750) sits at or below the family's median dispersion, indicating relatively standardized compensation. Percentiles are published per state, so this dispersion is specific to Texas rather than a national figure.
What is this occupation's price-adjusted compensation in this state?
Texas'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 $42,115 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?
Texas levies no personal income tax on wages, so take-home of $40,925 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.