Credit Counselor Salary in Phoenix, AZ
Credit Counselors in the Phoenix-Mesa-Chandler, AZ metro area earn a median $54,110 a year — 4% more than the national median. After 2026 taxes, that is $44,513 take-home, or $3,709 a month.
Take-home pay calculator
Pre-filled with the median credit counselor salary in Phoenix, AZ. Enter your own offer to see your paycheck.
- Federal income tax$4,313
- Social Security (6.2%)$3,355
- Medicare (1.45%)$785
- Arizona income tax$1,144
- Take-home pay$44,513
Marginal rate: 12% federal + 2.50% state
Credit Counselor pay by experience in Phoenix, AZ
| Percentile | Salary | Hourly | Take-home / yr | Per month |
|---|---|---|---|---|
| 10th percentile (entry level) | $44,000 | $21.15 | $36,643 | $3,054 |
| 25th percentile | $48,130 | $23.14 | $39,858 | $3,321 |
| Median (50th) | $54,110 | $26.01 | $44,513 | $3,709 |
| 75th percentile | $60,140 | $28.91 | $49,208 | $4,101 |
| 90th percentile (top earners) | $66,480 | $31.96 | $54,143 | $4,512 |
Wages: BLS Occupational Employment and Wage Statistics, May 2025. Take-home: single filer, Arizona resident, 2026 tax rules.
What $54,110 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 counselor's $44,513 take-home pay has the buying power of $43,085 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 1.7× the national concentration of credit counselor jobs — a strong local market for this occupation.
Best-paying cities for credit counselors, adjusted for cost of living
Phoenix, AZ ranks #7 of 12 metro areas once taxes and local prices are taken into account.
| # | Metro area | Median salary | Take-home | Real value* |
|---|---|---|---|---|
| 1 | Boston, MA | $64,080 | $50,684 | $46,815 |
| 2 | Philadelphia, PA | $57,990 | $46,995 | $45,824 |
| 3 | Los Angeles, CA | $65,210 | $51,724 | $45,545 |
| 4 | Washington, DC | $61,930 | $49,362 | $45,334 |
| 5 | New York, NY | $63,170 | $50,123 | $44,529 |
| 6 | Chicago, IL | $57,210 | $45,461 | $43,884 |
| 7 | Phoenix, AZ | $54,110 | $44,513 | $43,085 |
| 8 | Detroit, MI | $53,140 | $42,870 | $42,743 |
*Take-home pay divided by the BEA price level, so every city is measured in U.S.-average dollars. See all 12 metros →
Frequently asked questions
How much does a credit counselor make in Phoenix, AZ?
The median credit counselor salary in the Phoenix-Mesa-Chandler, AZ metro area is $54,110 a year, or about $26.01 an hour, according to the Bureau of Labor Statistics (May 2025). The middle half earn between $48,130 and $60,140.
What is a credit counselor’s take-home pay in Phoenix, AZ?
On the median $54,110 salary, a single filer living in Arizona takes home about $44,513 a year ($3,709 a month) after federal tax, Social Security, Medicare and $1,144 in Arizona taxes in 2026.
Is Phoenix, AZ a good place to work as a credit counselor?
Pay here is 4% above the national median of $52,230. Local prices are 3.3% above the U.S. average, so the take-home pay buys what $43,085 would in a typical U.S. city. Phoenix, AZ ranks #7 of 12 metro areas for cost-of-living-adjusted pay in this job.
Can a credit counselor 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) — 43% of a median credit counselor’s monthly take-home pay. Financial planners usually suggest keeping rent under about 30%.
Related jobs in Phoenix, AZ
- Personal Financial Advisor — $103,680
- Financial Risk Specialist — $101,990
- Project Management Specialist — $100,780
- Labor Relations Specialist — $97,070
- Management Analyst — $94,900
- Financial and Investment Analyst — $94,700
- Budget Analyst — $84,810
- Business Operations Specialists, All Other — $84,190
- Financial Specialists, All Other — $81,440
- Accountant and Auditor — $80,820
- Financial Examiner — $80,490
- Logistician — $79,370