Credit Analyst Salary in Phoenix, AZ
Credit Analysts in the Phoenix-Mesa-Chandler, AZ metro area earn a median $77,020 a year — 8% less than the national median. After 2026 taxes, that is $61,297 take-home, or $5,108 a month.
Take-home pay calculator
Pre-filled with the median credit analyst salary in Phoenix, AZ. Enter your own offer to see your paycheck.
- Federal income tax$8,114
- Social Security (6.2%)$4,775
- Medicare (1.45%)$1,117
- Arizona income tax$1,717
- Take-home pay$61,297
Marginal rate: 22% federal + 2.50% state
Credit Analyst pay by experience in Phoenix, AZ
| Percentile | Salary | Hourly | Take-home / yr | Per month |
|---|---|---|---|---|
| 10th percentile (entry level) | $57,060 | $27.43 | $46,810 | $3,901 |
| 25th percentile | $64,120 | $30.83 | $52,306 | $4,359 |
| Median (50th) | $77,020 | $37.03 | $61,297 | $5,108 |
| 75th percentile | $95,240 | $45.79 | $73,659 | $6,138 |
| 90th percentile (top earners) | $126,630 | $60.88 | $94,861 | $7,905 |
Wages: BLS Occupational Employment and Wage Statistics, May 2025. Take-home: single filer, Arizona resident, 2026 tax rules.
What $77,020 buys in Phoenix, AZ
Prices in Phoenix, AZ are 3.3% higher than the U.S. average (housing costs are 1.21× the national average). Adjusted for local prices, a median credit analyst's $61,297 take-home pay has the buying power of $59,329 in a typical American city.
Rents: HUD Fair Market Rents, FY2026 (40th-percentile gross rent incl. utilities). Price levels: BEA Regional Price Parities, 2024.
Phoenix, AZ has 2.0× 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
Phoenix, AZ ranks #25 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 |
| 25 | Phoenix, AZ | $77,020 | $61,297 | $59,329 |
*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 Phoenix, AZ?
The median credit analyst salary in the Phoenix-Mesa-Chandler, AZ metro area is $77,020 a year, or about $37.03 an hour, according to the Bureau of Labor Statistics (May 2025). The middle half earn between $64,120 and $95,240.
What is a credit analyst’s take-home pay in Phoenix, AZ?
On the median $77,020 salary, a single filer living in Arizona takes home about $61,297 a year ($5,108 a month) after federal tax, Social Security, Medicare and $1,717 in Arizona taxes in 2026.
Is Phoenix, AZ a good place to work as a credit analyst?
Pay here is 8% below the national median of $83,510. Local prices are 3.3% above the U.S. average, so the take-home pay buys what $59,329 would in a typical U.S. city. Phoenix, AZ ranks #25 of 30 metro areas for cost-of-living-adjusted pay in this job.
Can a credit analyst afford rent in Phoenix, AZ?
HUD’s fair market rent for a one-bedroom in Phoenix, AZ is $1,583 a month ($1,839 for two bedrooms) — 31% of a median credit analyst’s monthly take-home pay. Financial planners usually suggest keeping rent under about 30%.
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