Credit Analyst Salary in Boston, MA
Credit Analysts in the Boston-Cambridge-Newton, MA-NH metro area earn a median $101,890 a year — 22% more than the national median. After 2026 taxes, that is $75,635 take-home, or $6,303 a month.
Take-home pay calculator
Pre-filled with the median credit analyst salary in Boston, MA. Enter your own offer to see your paycheck.
- Federal income tax$13,586
- Social Security (6.2%)$6,317
- Medicare (1.45%)$1,477
- Massachusetts income tax$4,875
- Take-home pay$75,635
Marginal rate: 22% federal + 5.00% state
The Boston-Cambridge-Newton, MA-NH metro spans Massachusetts, New Hampshire. Pick the state you live in — state income tax follows your residence.
Credit Analyst pay by experience in Boston, MA
| Percentile | Salary | Hourly | Take-home / yr | Per month |
|---|---|---|---|---|
| 10th percentile (entry level) | $65,430 | $31.46 | $51,702 | $4,308 |
| 25th percentile | $76,860 | $36.95 | $59,278 | $4,940 |
| Median (50th) | $101,890 | $48.99 | $75,635 | $6,303 |
| 75th percentile | $133,460 | $64.16 | $96,033 | $8,003 |
| 90th percentile (top earners) | $175,680 | $84.46 | $122,779 | $10,232 |
Wages: BLS Occupational Employment and Wage Statistics, May 2025. Take-home: single filer, Massachusetts resident, 2026 tax rules.
What $101,890 buys in Boston, MA
Prices in Boston, MA are 8.3% higher than the U.S. average (housing costs are 1.48× the national average). Adjusted for local prices, a median credit analyst's $75,635 take-home pay has the buying power of $69,860 in a typical American city.
Rents: HUD Fair Market Rents, FY2026 (40th-percentile gross rent incl. utilities). Price levels: BEA Regional Price Parities, 2024.
Credit Analyst jobs are about as common in Boston, MA as in the U.S. overall (location quotient 0.97).
Best-paying cities for credit analysts, adjusted for cost of living
Boston, MA ranks #6 of 30 metro areas once taxes and local prices are taken into account.
| # | Metro area | Median salary | Take-home | Real value* |
|---|---|---|---|---|
| 1 | New York, NY | $136,500 | $97,551 | $86,663 |
| 2 | Charlotte, NC | $100,640 | $76,123 | $78,197 |
| 3 | Buffalo, NY | $99,640 | $74,088 | $77,301 |
| 4 | Washington, DC | $114,700 | $82,740 | $75,990 |
| 5 | San Francisco, CA | $122,590 | $86,291 | $74,638 |
| 6 | Boston, MA | $101,890 | $75,635 | $69,860 |
| 7 | Philadelphia, PA | $92,460 | $71,037 | $69,268 |
| 8 | Jacksonville, FL | $83,160 | $67,333 | $67,682 |
*Take-home pay divided by the BEA price level, so every city is measured in U.S.-average dollars. See all 30 metros →
Frequently asked questions
How much does a credit analyst make in Boston, MA?
The median credit analyst salary in the Boston-Cambridge-Newton, MA-NH metro area is $101,890 a year, or about $48.99 an hour, according to the Bureau of Labor Statistics (May 2025). The middle half earn between $76,860 and $133,460.
What is a credit analyst’s take-home pay in Boston, MA?
On the median $101,890 salary, a single filer living in Massachusetts takes home about $75,635 a year ($6,303 a month) after federal tax, Social Security, Medicare and $4,875 in Massachusetts taxes in 2026.
Is Boston, MA a good place to work as a credit analyst?
Pay here is 22% above the national median of $83,510. Local prices are 8.3% above the U.S. average, so the take-home pay buys what $69,860 would in a typical U.S. city. Boston, MA ranks #6 of 30 metro areas for cost-of-living-adjusted pay in this job.
Can a credit analyst afford rent in Boston, MA?
HUD’s fair market rent for a one-bedroom in Boston, MA is $2,276 a month ($2,762 for two bedrooms) — 36% of a median credit analyst’s monthly take-home pay. Financial planners usually suggest keeping rent under about 30%.
Related jobs in Boston, MA
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- Loan Officer — $103,400
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