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Credit counselor salary
Average credit counselor salary
$40,227
Understanding Credit Counselor Salaries
As of October 2025, the average salary for a Credit Counselor stands at $40,227 per year or about $19 per hour. This figure varies based on location, with some states offering significantly higher compensation. For instance, states with high living costs tend to pay more for credit counseling services.
Factors Influencing Salary
Experience level is another critical factor in determining salary. Entry-level credit counselors may start at a lower pay scale, while those with several years of experience can earn upwards of $50,000 annually. Specific industries, such as financial services, also affect salary potential, as they often require specialized knowledge and skills.
Where to Find the Best Opportunities
Job seekers should explore various regions and sectors to maximize their earning potential. States such as California and New York frequently report higher salaries for credit counselors. By staying informed about salary trends and job opportunities, aspiring credit counselors can strategically position themselves for success in this growing field.
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Where can a Credit Counselor earn more?
Credit counselor salaries by experience level
Credit counselor salary estimates from across the web
Average credit counselor salary by state
The highest-paying states for credit counselors are New York, New Jersey, and Delaware. The lowest average credit counselor salary states are New Mexico, Florida, and Georgia.
- State view
- County view
Highest paying states for credit counselors
| Rank | State | Avg. salary | Hourly rate |
|---|---|---|---|
| 1 | New York | $57,666 | $27.72 |
| 2 | New Jersey | $56,145 | $26.99 |
| 3 | Connecticut | $48,840 | $23.48 |
| 4 | Delaware | $48,874 | $23.50 |
| 5 | Pennsylvania | $47,535 | $22.85 |
| 6 | Rhode Island | $48,038 | $23.10 |
| 7 | Maryland | $47,144 | $22.67 |
| 8 | New Hampshire | $45,468 | $21.86 |
| 9 | Arizona | $38,784 | $18.65 |
| 10 | Maine | $41,670 | $20.03 |
| 11 | District of Columbia | $46,525 | $22.37 |
| 12 | Vermont | $42,830 | $20.59 |
| 13 | Nevada | $40,933 | $19.68 |
| 14 | Massachusetts | $46,864 | $22.53 |
| 15 | California | $42,824 | $20.59 |
| 16 | Hawaii | $42,632 | $20.50 |
| 17 | North Dakota | $35,772 | $17.20 |
| 18 | Montana | $35,639 | $17.13 |
| 19 | Virginia | $43,764 | $21.04 |
| 20 | Wyoming | $35,079 | $16.86 |
| 21 | Ohio | $39,508 | $18.99 |
| 22 | Washington | $36,414 | $17.51 |
| 23 | Louisiana | $36,414 | $17.51 |
| 24 | Alaska | $36,153 | $17.38 |
| 25 | Wisconsin | $36,575 | $17.58 |
| 26 | Oregon | $37,275 | $17.92 |
| 27 | South Dakota | $35,492 | $17.06 |
| 28 | West Virginia | $39,867 | $19.17 |
| 29 | South Carolina | $36,088 | $17.35 |
| 30 | Minnesota | $35,735 | $17.18 |
| 31 | Utah | $36,630 | $17.61 |
| 32 | Colorado | $35,596 | $17.11 |
| 33 | Indiana | $36,034 | $17.32 |
| 34 | North Carolina | $37,411 | $17.99 |
| 35 | Kentucky | $36,066 | $17.34 |
| 36 | Illinois | $35,512 | $17.07 |
| 37 | Idaho | $36,127 | $17.37 |
| 38 | Iowa | $34,621 | $16.64 |
| 39 | Alabama | $34,956 | $16.81 |
| 40 | Missouri | $35,391 | $17.01 |
| 41 | Mississippi | $35,642 | $17.14 |
| 42 | Nebraska | $35,308 | $16.98 |
| 43 | Michigan | $32,664 | $15.70 |
| 44 | Kansas | $34,251 | $16.47 |
| 45 | Florida | $29,345 | $14.11 |
| 46 | Georgia | $28,718 | $13.81 |
| 47 | New Mexico | $29,794 | $14.32 |
| 48 | Texas | $30,045 | $14.44 |
| 49 | Tennessee | $28,602 | $13.75 |
| 50 | Arkansas | $28,454 | $13.68 |
| 51 | Oklahoma | $28,472 | $13.69 |
Highest paying cities for credit counselors
The highest-paying cities for credit counselors are New York, NY, Fort Lee, NJ, and Philadelphia, PA.
| Rank | City | Avg. salary | Hourly rate |
|---|---|---|---|
| 1 | New York, NY | $58,015 | $27.89 |
| 2 | Fort Lee, NJ | $56,023 | $26.93 |
| 3 | Philadelphia, PA | $48,632 | $23.38 |
| 4 | Agawam Town, MA | $47,740 | $22.95 |
| 5 | Rockville, MD | $46,643 | $22.42 |
| 6 | Los Angeles, CA | $42,693 | $20.53 |
| 7 | Anchorage, AK | $36,348 | $17.48 |
| 8 | Fargo, ND | $36,037 | $17.33 |
| 9 | Roseville, MN | $35,790 | $17.21 |
| 10 | Aurora, CO | $35,546 | $17.09 |
| 11 | Sioux Falls, SD | $35,525 | $17.08 |
| 12 | Grandview, MO | $35,360 | $17.00 |
| 13 | Houston, TX | $30,233 | $14.54 |
| 14 | Albuquerque, NM | $29,727 | $14.29 |
| 15 | Orlando, FL | $29,097 | $13.99 |
| 16 | Atlanta, GA | $28,735 | $13.81 |
Credit counselor salary details
A credit counselor's salary ranges from $27,000 a year at the 10th percentile to $59,000 at the 90th percentile.
What is a credit counselor's salary?
| Percentile | Annual salary | Monthly salary | Hourly rate |
|---|---|---|---|
| 90th Percentile | $59,000 | $4,917 | $28 |
| 75th Percentile | $49,000 | $4,083 | $24 |
| Average | $40,227 | $3,352 | $19 |
| 25th Percentile | $32,000 | $2,667 | $15 |
| 10th Percentile | $27,000 | $2,250 | $13 |
Highest paying credit counselor jobs
The highest paying types of credit counselors are credit officer, senior credit analyst, and bank officer.
| Job title | Annual salary | Monthly salary | Hourly rate | Job openings |
|---|---|---|---|---|
| Loan Officer | $45,817 | $3,818 | $22.03 | 63,663 |
| Loan Analyst | $37,857 | $3,155 | $18.20 | 24,756 |
| Bank Officer | $79,562 | $6,630 | $38.25 | 69,880 |
| Mortgage Banker | $27,331 | $2,278 | $13.14 | 24,297 |
| Commercial Loan Officer | $70,876 | $5,906 | $34.07 | 91,582 |
| Consumer Loan Underwriter | $53,525 | $4,460 | $25.73 | 17,495 |
Top companies hiring credit counselors now:
Which companies pay credit counselors the most?
Credit counselor salaries at BNY Mellon and CTBC Bank are the highest-paying according to our most recent salary estimates. In addition, the average credit counselor salary at companies like Shinhan Bank America and Hanmi Financial are highly competitive.
| Rank | Company | Average salary | Hourly rate |
|---|---|---|---|
| 1 | BNY Mellon | $85,123 | $40.92 |
| 2 | CTBC Bank | $44,055 | $21.18 |
| 3 | Shinhan Bank America | $42,313 | $20.34 |
| 4 | Hanmi Financial | $40,537 | $19.49 |
| 5 | Royal Business Bank | $39,189 | $18.84 |
| 6 | American First National Bank | $39,185 | $18.84 |
| 7 | University of Alaska | $39,104 | $18.80 |
| 8 | NEW MILLENNIUM ASSOC. INC. | $38,673 | $18.59 |
| 9 | Roseville Area Schools | $37,248 | $17.91 |
| 10 | New Omni Bank | $35,415 | $17.03 |
| 11 | RemX | $35,275 | $16.96 |
Wage gap by gender, race and education
Credit counselor salary trends
The average credit counselor salary has risen by $6,744 over the last ten years. In 2014, the average credit counselor earned $33,483 annually, but today, they earn $40,227 a year. That works out to a 4% change in pay for credit counselors over the last decade.
Compare credit counselor salaries for cities or states with the national average over time.
Average credit counselor salary over time
Compare credit counselor salaries for individual cities or states with the national average.
Credit counselor salary by year
| Year | Avg. salary | Hourly rate | % Change |
|---|---|---|---|
| 2026 | $40,200 | $19.34 | +0.5% |
| 2025 | $40,000 | $19.25 | +1.7% |
| 2024 | $39,400 | $18.93 | +1.0% |
| 2023 | $39,000 | $18.73 | +0.7% |
| 2022 | $38,700 | $18.59 | +1.2% |
Recently added credit counselor salaries
| Company | Job | Location | Date added | Salary |
|---|---|---|---|---|
| Pennsbury School District | (Repost) Credit Recovery Counselor-Village Park | Levittown, PA | 05/22/2025 | $87,362 |
| Nye County School District | 2025 Pathways Summer Credit Recovery Counselor | Pahrump, NV | 04/21/2025 | $87,028 |
| Belvidere Community Unit School District 100 | Proficiency and Credit Recovery Counselor | Kane, IL | 03/24/2025 | $43,976 |
| Del Norte Credit Union | Credit Counselor I | Espanola, NM | 03/23/2025 | $40,321 |
| Pelican State Credit Union | Credit Counselor | Opelousas, LA | 03/11/2025 | $48,919 |
| Chester-Upland School District | Credit Recovery (Summer School) | Kane, PA | 03/06/2025 | $31,305 |
| Aurora Health Care | Credit Counselor-Aurora Family Services | Milwaukee, WI | 02/27/2025 | $49,358 |
| Money Management | Credit Counselor-Telework; Call Center Customer Service | Detroit, MI | 02/18/2025 | $37,754 |
| Money Management | Credit Counselor-Telework; Customer Service Call Center | Eau Claire, WI | 02/18/2025 | $37,754 |
| Pelican State Credit Union | Credit Counselor | Opelousas, LA | 02/14/2025 | $48,919 |
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