Credit Analyst Salary in New York, NY
Credit Analysts in the New York-Newark-Jersey City, NY-NJ metro area earn a median $136,500 a year — 63% more than the national median. After 2026 taxes, that is $97,551 take-home, or $8,129 a month.
Take-home pay calculator
Pre-filled with the median credit analyst salary in New York, NY. Enter your own offer to see your paycheck.
- Federal income tax$21,494
- Social Security (6.2%)$8,463
- Medicare (1.45%)$1,979
- New York income tax$7,013
- Take-home pay$97,551
Marginal rate: 24% federal + 5.90% state
The New York-Newark-Jersey City, NY-NJ metro spans New York, New Jersey. Pick the state you live in — state income tax follows your residence.
Credit Analyst pay by experience in New York, NY
| Percentile | Salary | Hourly | Take-home / yr | Per month |
|---|---|---|---|---|
| 10th percentile (entry level) | $80,850 | $38.87 | $61,939 | $5,162 |
| 25th percentile | $102,550 | $49.30 | $75,964 | $6,330 |
| Median (50th) | $136,500 | $65.63 | $97,551 | $8,129 |
| 75th percentile | $205,570 | $98.83 | $141,941 | $11,828 |
| 90th percentile (top earners) | $258,320+ | $124.19 | $174,112 | $14,509 |
Wages: BLS Occupational Employment and Wage Statistics, May 2025. Take-home: single filer, New York resident, 2026 tax rules.
What $136,500 buys in New York, NY
Prices in New York, NY are 12.6% higher than the U.S. average (housing costs are 1.49× the national average). Adjusted for local prices, a median credit analyst's $97,551 take-home pay has the buying power of $86,663 in a typical American city.
Rents: HUD Fair Market Rents, FY2026 (40th-percentile gross rent incl. utilities). Price levels: BEA Regional Price Parities, 2024.
New York, NY has 1.9× 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
New York, NY ranks #1 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
- Buffalo, NY — $99,640
Frequently asked questions
How much does a credit analyst make in New York, NY?
The median credit analyst salary in the New York-Newark-Jersey City, NY-NJ metro area is $136,500 a year, or about $65.63 an hour, according to the Bureau of Labor Statistics (May 2025). The middle half earn between $102,550 and $205,570.
What is a credit analyst’s take-home pay in New York, NY?
On the median $136,500 salary, a single filer living in New York takes home about $97,551 a year ($8,129 a month) after federal tax, Social Security, Medicare and $7,013 in New York taxes in 2026.
Is New York, NY a good place to work as a credit analyst?
Pay here is 63% above the national median of $83,510. Local prices are 12.6% above the U.S. average, so the take-home pay buys what $86,663 would in a typical U.S. city. New York, NY ranks #1 of 30 metro areas for cost-of-living-adjusted pay in this job.
Can a credit analyst afford rent in New York, NY?
HUD’s fair market rent for a one-bedroom in New York, NY is $2,378 a month ($2,697 for two bedrooms) — 29% of a median credit analyst’s monthly take-home pay. Financial planners usually suggest keeping rent under about 30%.
Related jobs in New York, NY
- Personal Financial Advisor — $170,050
- Financial Risk Specialist — $139,670
- Financial Examiner — $133,380
- Financial and Investment Analyst — $128,930
- Project Management Specialist — $126,660
- Management Analyst — $124,390
- Financial Specialists, All Other — $109,580
- Labor Relations Specialist — $107,470
- Accountant and Auditor — $105,650
- Loan Officer — $101,570
- Compliance Officer — $101,050
- Market Research Analyst and Marketing Specialist — $100,520