Credit Analyst Salary
Credit Analysts earn a median $83,510 a year nationally. Business and Financial Operations Occupations
U.S. median
$83,510
$40.15 per hour
Range
$56,250 – $169,230
10th to 90th percentile
Employed
64,390
across the U.S.
Credit Analyst take-home pay calculator
Starts at the national median. Pick your state to see your real paycheck.
Your take-home pay
$67,579
per year · effective tax rate 19.1%
$5,632Monthly
$2,816Twice a month
$2,599Every 2 weeks
$32.49Hourly
- Federal income tax$9,542
- Social Security (6.2%)$5,178
- Medicare (1.45%)$1,211
- Texas income tax$0
- Take-home pay$67,579
Marginal rate: 22% federal + 0.00% state
Pay by experience
| Percentile | Salary | Hourly | Take-home (no state tax) |
|---|---|---|---|
| 10th percentile (entry level) | $56,250 | $27.04 | $47,377 |
| 25th percentile | $65,210 | $31.35 | $54,576 |
| Median (50th) | $83,510 | $40.15 | $67,579 |
| 75th percentile | $122,460 | $58.88 | $94,967 |
| 90th percentile (top earners) | $169,230 | $81.36 | $126,935 |
Best cities for credit analysts (after tax & cost of living)
| # | Metro area | Median | Take-home | Real value* | Jobs |
|---|---|---|---|---|---|
| 1 | New York, NY | $136,500 | $97,551 | $86,663 | 7,530 |
| 2 | Charlotte, NC | $100,640 | $76,123 | $78,197 | 2,190 |
| 3 | Buffalo, NY | $99,640 | $74,088 | $77,301 | 460 |
| 4 | Washington, DC | $114,700 | $82,740 | $75,990 | 1,060 |
| 5 | San Francisco, CA | $122,590 | $86,291 | $74,638 | 850 |
| 6 | Boston, MA | $101,890 | $75,635 | $69,860 | 1,080 |
| 7 | Philadelphia, PA | $92,460 | $71,037 | $69,268 | 1,430 |
| 8 | Jacksonville, FL | $83,160 | $67,333 | $67,682 | 550 |
| 9 | Seattle, WA | $94,270 | $75,149 | $67,621 | 790 |
| 10 | Chicago, IL | $92,900 | $69,731 | $67,312 | 2,560 |
| 11 | Columbus, OH | $80,500 | $64,030 | $67,069 | 1,060 |
| 12 | Nashville, TN | $78,410 | $63,991 | $66,424 | 510 |
| 13 | Houston, TX | $79,280 | $64,603 | $65,502 | 1,010 |
| 14 | Cincinnati, OH | $77,500 | $62,002 | $65,012 | 640 |
| 15 | Tampa, FL | $78,940 | $64,364 | $63,797 | 820 |
| 16 | Dallas, TX | $80,530 | $65,483 | $63,520 | 3,210 |
| 17 | Orlando, FL | $78,120 | $63,787 | $62,896 | 550 |
| 18 | San Diego, CA | $95,310 | $70,007 | $62,570 | 440 |
| 19 | Atlanta, GA | $80,750 | $62,070 | $62,034 | 1,300 |
| 20 | Los Angeles, CA | $95,640 | $70,204 | $61,818 | 2,100 |
| 21 | St. Louis, MO | $73,850 | $58,250 | $61,259 | 520 |
| 22 | Minneapolis, MN | $84,570 | $64,098 | $61,149 | 690 |
| 23 | Denver, CO | $81,380 | $63,209 | $59,754 | 540 |
| 24 | Salt Lake City, UT | $76,420 | $60,119 | $59,601 | 550 |
| 25 | Phoenix, AZ | $77,020 | $61,297 | $59,329 | 1,990 |
*Take-home pay in U.S.-average dollars (BEA Regional Price Parities).
Highest-paying cities
- New York, NY — $136,500
- San Francisco, CA — $122,590
- Washington, DC — $114,700
- Boston, MA — $101,890
- Charlotte, NC — $100,640
- Buffalo, NY — $99,640
- Los Angeles, CA — $95,640
- San Diego, CA — $95,310
- Seattle, WA — $94,270
- Chicago, IL — $92,900
- Philadelphia, PA — $92,460
- Minneapolis, MN — $84,570
- Jacksonville, FL — $83,160
- Portland, OR — $82,110
- Denver, CO — $81,380
Credit Analyst salary by state
| State | Median | Take-home | Range | Jobs |
|---|---|---|---|---|
| New York | $133,270 | $95,533 | $76,730 – $239,200+ | 7,960 |
| District of Columbia | $132,590 | $93,590 | $68,020 – $210,220 | 50 |
| Virginia | $102,430 | $75,814 | $63,220 – $164,750 | 2,460 |
| New Jersey | $100,940 | $75,601 | $71,590 – $169,490 | 1,220 |
| Hawaii | $98,900 | $72,420 | $51,620 – $148,840 | 130 |
| Connecticut | $98,230 | $74,107 | $65,540 – $140,830 | 560 |
| California | $97,860 | $71,531 | $61,380 – $194,760 | 5,260 |
| Massachusetts | $97,080 | $72,492 | $64,530 – $173,680 | 1,400 |
| Delaware | $94,680 | $70,530 | $64,830 – $166,040 | 720 |
| North Carolina | $94,570 | $72,095 | $62,620 – $164,140 | 3,270 |
| Washington | $91,160 | $72,961 | $59,800 – $151,970 | 1,280 |
| Rhode Island | $85,920 | $66,670 | $59,860 – $134,850 | 160 |
| Illinois | $84,990 | $64,558 | $58,400 – $172,180 | 3,130 |
| Minnesota | $82,630 | $62,865 | $60,530 – $131,610 | 1,110 |
| Maine | $81,750 | $61,992 | $61,430 – $123,490 | 280 |
| Alaska | $81,340 | $66,053 | $56,910 – $97,110 | 40 |
| Colorado | $81,270 | $63,136 | $61,950 – $176,230 | 870 |
| Oregon | $80,380 | $59,174 | $62,310 – $129,830 | 650 |
| Pennsylvania | $80,280 | $62,842 | $50,750 – $155,360 | 1,930 |
| Alabama | $79,970 | $61,355 | $52,790 – $138,570 | 370 |
| Nebraska | $79,730 | $62,172 | $50,200 – $110,380 | 510 |
| Ohio | $79,720 | $63,503 | $50,460 – $133,700 | 2,790 |
| Idaho | $79,650 | $61,751 | $58,770 – $139,990 | 330 |
| Kentucky | $79,290 | $61,953 | $51,980 – $130,200 | 370 |
| Texas | $78,730 | $64,217 | $50,600 – $134,860 | 6,130 |
| Florida | $78,360 | $63,956 | $55,170 – $134,350 | 4,040 |
| Georgia | $77,990 | $60,271 | $51,500 – $155,910 | 1,790 |
| New Hampshire | $77,980 | $63,689 | $60,370 – $156,480 | 230 |
| South Carolina | $77,530 | $59,878 | $49,300 – $125,680 | 690 |
| Arizona | $77,020 | $61,297 | $55,890 – $125,980 | 2,260 |
| Iowa | $76,760 | $60,566 | $56,470 – $117,160 | 480 |
| Maryland | $75,390 | $58,649 | $47,410 – $124,380 | 700 |
| Oklahoma | $75,330 | $58,980 | $47,530 – $178,350 | 550 |
| Mississippi | $74,880 | $59,245 | $47,020 – $164,010 | 280 |
| North Dakota | $74,810 | $61,259 | $51,920 – $123,460 | 300 |
| Montana | $74,650 | $58,489 | $57,350 – $124,010 | 190 |
| Michigan | $74,640 | $58,418 | $51,170 – $108,870 | 1,510 |
| Utah | $74,430 | $58,808 | $49,160 – $164,900 | 750 |
| Louisiana | $73,210 | $58,523 | $46,680 – $134,670 | 290 |
| Kansas | $73,120 | $56,990 | $52,990 – $132,120 | 520 |
| Nevada | $73,090 | $60,249 | $58,400 – $137,960 | 390 |
| South Dakota | $73,040 | $60,214 | $51,690 – $134,230 | 430 |
| Tennessee | $72,550 | $59,869 | $49,080 – $134,980 | 1,480 |
| New Mexico | $72,160 | $57,369 | $53,960 – $133,310 | 90 |
| Arkansas | $71,370 | $56,468 | $43,520 – $118,500 | 300 |
| Vermont | $71,220 | $56,693 | $55,910 – $150,030 | 90 |
| Wisconsin | $68,690 | $54,893 | $50,780 – $126,640 | 1,770 |
| Missouri | $65,350 | $52,555 | $50,020 – $113,280 | 1,160 |
| Indiana | $62,660 | $50,708 | $47,850 – $101,560 | 860 |
| Wyoming | $62,210 | $52,166 | $49,140 – $91,920 | 40 |
| West Virginia | $57,320 | $46,391 | $48,170 – $95,870 | 220 |
Frequently asked questions
How much does a credit analyst make?
The national median salary for credit analysts is $83,510 a year ($40.15 an hour). The lowest-paid 10% earn under $56,250 and the top 10% earn over $169,230. Source: BLS, May 2025.
Which state pays credit analysts the most?
New York has the highest median pay at $133,270. After taxes and local prices, New York, NY offers the best real take-home pay of any metro area.
How many credit analysts are there in the U.S.?
About 64,390 people work as credit analysts nationwide.
All 30 cities
- Atlanta, GA
- Boston, MA
- Buffalo, NY
- Charlotte, NC
- Chicago, IL
- Cincinnati, OH
- Columbus, OH
- Dallas, TX
- Denver, CO
- Detroit, MI
- Houston, TX
- Jacksonville, FL
- Los Angeles, CA
- Miami, FL
- Milwaukee, WI
- Minneapolis, MN
- Nashville, TN
- New York, NY
- Orlando, FL
- Philadelphia, PA
- Phoenix, AZ
- Portland, OR
- Salt Lake City, UT
- San Antonio, TX
- San Diego, CA
- San Francisco, CA
- Seattle, WA
- St. Louis, MO
- Tampa, FL
- Washington, DC