Credit Analyst Salary in Buffalo, NY
Credit Analysts in the Buffalo-Cheektowaga, NY metro area earn a median $99,640 a year — 19% more than the national median. After 2026 taxes, that is $74,088 take-home, or $6,174 a month.
Take-home pay calculator
Pre-filled with the median credit analyst salary in Buffalo, NY. Enter your own offer to see your paycheck.
- Federal income tax$13,091
- Social Security (6.2%)$6,178
- Medicare (1.45%)$1,445
- New York income tax$4,839
- Take-home pay$74,088
Marginal rate: 22% federal + 5.90% state
Credit Analyst pay by experience in Buffalo, NY
| Percentile | Salary | Hourly | Take-home / yr | Per month |
|---|---|---|---|---|
| 10th percentile (entry level) | $61,710 | $29.67 | $49,029 | $4,086 |
| 25th percentile | $76,730 | $36.89 | $59,263 | $4,939 |
| Median (50th) | $99,640 | $47.90 | $74,088 | $6,174 |
| 75th percentile | $131,590 | $63.26 | $94,484 | $7,874 |
| 90th percentile (top earners) | $160,970 | $77.39 | $112,832 | $9,403 |
Wages: BLS Occupational Employment and Wage Statistics, May 2025. Take-home: single filer, New York resident, 2026 tax rules.
What $99,640 buys in Buffalo, NY
Prices in Buffalo, NY are 4.2% lower than the U.S. average (housing costs are 19% below the national average). Adjusted for local prices, a median credit analyst's $74,088 take-home pay has the buying power of $77,301 in a typical American city.
Rents: HUD Fair Market Rents, FY2026 (40th-percentile gross rent incl. utilities). Price levels: BEA Regional Price Parities, 2024.
Buffalo, NY has 2.1× the national concentration of credit analyst jobs — a strong local market for this occupation.
Best-paying cities for credit analysts, adjusted for cost of living
Buffalo, NY ranks #3 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 →
Credit Analyst salaries elsewhere in New York
- New York, NY — $136,500
Frequently asked questions
How much does a credit analyst make in Buffalo, NY?
The median credit analyst salary in the Buffalo-Cheektowaga, NY metro area is $99,640 a year, or about $47.90 an hour, according to the Bureau of Labor Statistics (May 2025). The middle half earn between $76,730 and $131,590.
What is a credit analyst’s take-home pay in Buffalo, NY?
On the median $99,640 salary, a single filer living in New York takes home about $74,088 a year ($6,174 a month) after federal tax, Social Security, Medicare and $4,839 in New York taxes in 2026.
Is Buffalo, NY a good place to work as a credit analyst?
Pay here is 19% above the national median of $83,510. Local prices are 4.2% below the U.S. average, so the take-home pay buys what $77,301 would in a typical U.S. city. Buffalo, NY ranks #3 of 30 metro areas for cost-of-living-adjusted pay in this job.
Can a credit analyst afford rent in Buffalo, NY?
HUD’s fair market rent for a one-bedroom in Buffalo, NY is $1,139 a month ($1,343 for two bedrooms) — 18% of a median credit analyst’s monthly take-home pay. Financial planners usually suggest keeping rent under about 30%.
Related jobs in Buffalo, NY
- Personal Financial Advisor — $103,650
- Project Management Specialist — $101,180
- Financial Risk Specialist — $96,980
- Financial and Investment Analyst — $96,490
- Labor Relations Specialist — $95,740
- Management Analyst — $84,710
- Compliance Officer — $82,450
- Accountant and Auditor — $82,120
- Logistician — $79,060
- Claims Adjusters, Examiners, and Investigators — $78,810
- Financial Examiner — $77,100
- Loan Officer — $76,170