Credit Analyst Salary in Houston, TX
Credit Analysts in the Houston-Pasadena-The Woodlands, TX metro area earn a median $79,280 a year — 5% less than the national median. After 2026 taxes, that is $64,603 take-home, or $5,384 a month.
Take-home pay calculator
Pre-filled with the median credit analyst salary in Houston, TX. Enter your own offer to see your paycheck.
- Federal income tax$8,612
- Social Security (6.2%)$4,915
- Medicare (1.45%)$1,150
- Texas income tax$0
- Take-home pay$64,603
Marginal rate: 22% federal + 0.00% state
Credit Analyst pay by experience in Houston, TX
| Percentile | Salary | Hourly | Take-home / yr | Per month |
|---|---|---|---|---|
| 10th percentile (entry level) | $51,720 | $24.87 | $43,737 | $3,645 |
| 25th percentile | $65,320 | $31.40 | $54,665 | $4,555 |
| Median (50th) | $79,280 | $38.12 | $64,603 | $5,384 |
| 75th percentile | $98,580 | $47.39 | $78,181 | $6,515 |
| 90th percentile (top earners) | $139,390 | $67.01 | $106,539 | $8,878 |
Wages: BLS Occupational Employment and Wage Statistics, May 2025. Take-home: single filer, Texas resident, 2026 tax rules.
What $79,280 buys in Houston, TX
Prices in Houston, TX are 1.4% lower than the U.S. average (housing costs are 1.05× the national average). Adjusted for local prices, a median credit analyst's $64,603 take-home pay has the buying power of $65,502 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 less concentrated in Houston, TX than nationally (location quotient 0.74), so openings may be scarcer.
Best-paying cities for credit analysts, adjusted for cost of living
Houston, TX ranks #13 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 |
| 13 | Houston, TX | $79,280 | $64,603 | $65,502 |
*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 Texas
- Dallas, TX — $80,530
- San Antonio, TX — $66,010
Frequently asked questions
How much does a credit analyst make in Houston, TX?
The median credit analyst salary in the Houston-Pasadena-The Woodlands, TX metro area is $79,280 a year, or about $38.12 an hour, according to the Bureau of Labor Statistics (May 2025). The middle half earn between $65,320 and $98,580.
What is a credit analyst’s take-home pay in Houston, TX?
On the median $79,280 salary, a single filer living in Texas takes home about $64,603 a year ($5,384 a month) after federal tax, Social Security, Medicare in 2026.
Is Houston, TX a good place to work as a credit analyst?
Pay here is 5% below the national median of $83,510. Local prices are 1.4% below the U.S. average, so the take-home pay buys what $65,502 would in a typical U.S. city. Houston, TX ranks #13 of 30 metro areas for cost-of-living-adjusted pay in this job.
Can a credit analyst afford rent in Houston, TX?
HUD’s fair market rent for a one-bedroom in Houston, TX is $1,316 a month ($1,558 for two bedrooms) — 24% of a median credit analyst’s monthly take-home pay. Financial planners usually suggest keeping rent under about 30%.
Related jobs in Houston, TX
- Tax Examiners and Collectors, and Revenue Agents — $102,190
- Financial and Investment Analyst — $101,660
- Financial Risk Specialist — $101,200
- Management Analyst — $101,120
- Project Management Specialist — $99,510
- Personal Financial Advisor — $98,930
- Budget Analyst — $98,330
- Accountant and Auditor — $85,090
- Labor Relations Specialist — $85,090
- Financial Examiner — $82,990
- Business Operations Specialists, All Other — $82,060
- Compliance Officer — $78,860