Credit Analysts pay range in Chattanooga
New workers and the lowest-paid 10% earn about $45,450 a year or less, while the top 10% make $143,300 or more. The middle half of credit analysts in Chattanooga earn between $56,300 and $88,100.
- $45K10th
- $56K25th
- $62KMedian
- $88K75th
- $143K90th
median average · bar = middle 50% of workers · how to read it
| Pay level | Per year | Per month | Per hour* |
|---|---|---|---|
| Average | $79,740 | $6,645 | $38.34 |
| Median | $62,150 | $5,179 | $29.88 |
| Entry level (25th percentile) | $56,300 | $4,692 | $27.07 |
| Experienced (75th percentile) | $88,100 | $7,342 | $42.36 |
*Hourly figures assume 2,080 paid hours a year. Hourly to annual salary.
Credit Analysts pay in Chattanooga vs. Tennessee and the U.S.
Credit analysts in Chattanooga earn about the same as the Tennessee average ($81,490) and 21% less than the U.S. average ($100,850). At the median the gap is -26% against the U.S. median of $83,510.
| Area | Average | Median | 10th pct. | 90th pct. | Jobs |
|---|---|---|---|---|---|
| Chattanooga | $79,740 | $62,150 | $45,450 | $143,300 | 60 |
| Tennessee | $81,490 | $72,550 | $49,080 | $134,980 | 1,480 |
| United States | $100,850 | $83,510 | $56,250 | $169,230 | 64,390 |
State and U.S. rows: BLS statewide and national estimates, May 2025, which include rural areas.
Credit Analysts salary after taxes in Chattanooga
On the average salary of $79,740, a single filer in Chattanooga takes home about $64,927 a year, or $5,411 a month and $2,497 every two weeks. Taxes take 19% of gross pay.
The Chattanooga, TN-GA metro area crosses state lines, so take-home pay depends on the state where you work:
| State | Per year | Per month |
|---|---|---|
| Working in TN | $64,927 | $5,411 |
| Working in GA | $61,697 | $5,141 |
Single filer, standard deduction: federal income tax (2026 brackets), Social Security, Medicare and no state income tax.
Is Chattanooga a good place for credit analysts? Pay vs. cost of living
Prices in the Chattanooga area are 9% below the U.S. average (BEA price parity 91.5), so the average $79,740 buys what about $87,182 would buy in a typical U.S. metro. This job pays 1.3 times the median wage of all jobs in Chattanooga ($46,700). A typical home costs $326,370, or 4.1 years of this average salary before tax.
Credit Analysts salary in other Tennessee cities
Chattanooga ranks 3rd of 5 Tennessee metro areas for this job; Nashville pays the most ($88,030).
- Nashville$88,030
- Memphis$83,390
- Chattanooga$79,740
- Johnson City$76,280
- Knoxville$71,200
Highest-paying cities for credit analysts
New York, NY pays this job the most of the metro areas we cover ($153,870).
- New York, NY$153,870
- San Jose, CA$135,700
- San Francisco, CA$133,360
- Washington, DC$120,420
- Burlington, VT$119,620
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Credit Analysts salary in Chattanooga: questions
How much do credit analysts make an hour in Chattanooga?
$38.34 an hour on average, and $29.88 at the median (BLS, May 2025).
What is the entry-level credit analysts salary in Chattanooga?
The lowest-paid 10% earn about $45,450 a year and the 25th percentile is $56,300, a fair guide to starting pay.
What is the credit analysts take-home pay in Chattanooga?
About $64,927 a year ($5,411 a month) for a single filer on the average salary of $79,740. Tennessee has no state income tax.
Do credit analysts earn more in Chattanooga than elsewhere?
The average here is 21% less than the U.S. average for this job ($100,850).
Sources and how to read this page
- Wages: U.S. Bureau of Labor Statistics, Occupational Employment and Wage Statistics (OEWS), May 2025 estimates for metropolitan areas. SOC code 13-2041; area Chattanooga, TN-GA (16860). Relative standard error of the mean wage: 9.8%.
- U.S. and statewide figures: BLS OEWS national and state estimates, May 2025, every employer including rural areas.
- Cost of living: Bureau of Economic Analysis regional price parities (RPP), 2024; 100 = U.S. average.
- Home value: Zillow Home Value Index. Typical-wage figure: OEWS all occupations, same metro.
- Take-home pay: Single filer, standard deduction: federal income tax (2026 brackets), Social Security, Medicare and no state income tax.
- Job concentration: location quotient 0.54, this job is less common than in the U.S. overall (location quotient 0.54).
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