Credit Counselor salary
Updated Updated for 2026 tax law
A credit counselor earns a median of $52,230 a year ($25.11 an hour) in the US, according to the Bureau of Labor Statistics (May 2025). The average is $57,210. About 27,770 people work in this job.
Take-home pay on $52,230
- Gross pay
- $2,008.85
- Federal income tax
- −$157.22
- Social Security (6.2%)
- −$124.55
- Medicare (1.45%)
- −$29.13
- Texas income tax
- $0.00No state income tax on wages
- Take-home pay
- $1,697.95
Annual breakdown
- Gross
- $52,230
- Federal
- $4,088
- FICA
- $3,996
- State + local
- $0
- Net
- $44,147
- Marginal federal rate
- 12.0%
- Marginal state rate
- 0.0%
2026 federal brackets (Rev. Proc. 2025-32) and 2026 state rules. Estimates assume wages are your only income and use annual liability, so your actual withholding can differ slightly.
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- Human Resources Specialist: $75,940
BLS occupation: Credit Counselors. Source: U.S. Bureau of Labor Statistics, Occupational Employment and Wage Statistics, May 2025 (SOC 13-2071). Excludes the self-employed.
Frequently asked questions
How much does a credit counselor make an hour?
The median hourly wage is $25.11; the average is $27.51.
What is the salary range for a credit counselor?
The bottom 10% earn under $38,350 and the top 10% earn over $80,440 a year.
How much is $52,230 after taxes?
About $44,147 a year in Texas (no state income tax) or $42,294 in California for a single filer in 2026.
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Estimates for information only — not tax, legal or financial advice.