Credit Counselors pay range in Phoenix
New workers and the lowest-paid 10% earn about $44,000 a year or less, while the top 10% make $66,480 or more. The middle half of credit counselors in Phoenix earn between $48,130 and $60,140.
- $44K10th
- $48K25th
- $54KMedian
- $60K75th
- $66K90th
median average · bar = middle 50% of workers · how to read it
| Pay level | Per year | Per month | Per hour* |
|---|---|---|---|
| Average | $54,710 | $4,559 | $26.30 |
| Median | $54,110 | $4,509 | $26.01 |
| Entry level (25th percentile) | $48,130 | $4,011 | $23.14 |
| Experienced (75th percentile) | $60,140 | $5,012 | $28.91 |
*Hourly figures assume 2,080 paid hours a year. Hourly to annual salary.
Credit Counselors pay in Phoenix vs. Arizona and the U.S.
Credit counselors in Phoenix earn about the same as the Arizona average ($53,970) and 4% less than the U.S. average ($57,210). At the median the gap is +4% against the U.S. median of $52,230.
| Area | Average | Median | 10th pct. | 90th pct. | Jobs |
|---|---|---|---|---|---|
| Phoenix | $54,710 | $54,110 | $44,000 | $66,480 | 720 |
| Arizona | $53,970 | $51,480 | $43,580 | $66,480 | 980 |
| United States | $57,210 | $52,230 | $38,350 | $80,440 | 27,770 |
State and U.S. rows: BLS statewide and national estimates, May 2025, which include rural areas.
Credit Counselors salary after taxes in Phoenix
On the average salary of $54,710, a single filer in Phoenix takes home about $45,165 a year, or $3,764 a month and $1,737 every two weeks. Taxes take 17% of gross pay.
Single filer, standard deduction: federal income tax (2026 brackets), Social Security, Medicare and state income tax (2026 rules).
Is Phoenix a good place for credit counselors? Pay vs. cost of living
Prices in the Phoenix area are 3% above the U.S. average (BEA price parity 103.3), so the average $54,710 buys what about $52,954 would buy in a typical U.S. metro. This job pays 1.1 times the median wage of all jobs in Phoenix ($51,380). A typical home costs $448,352, or 8.2 years of this average salary before tax.
Credit Counselors salary in other Arizona cities
Phoenix ranks 1st of 2 Arizona metro areas for this job, the best-paid in the state.
- Phoenix$54,710
- Tucson$52,490
Highest-paying cities for credit counselors
San Francisco, CA pays this job the most of the metro areas we cover ($85,720).
- San Francisco, CA$85,720
- Salt Lake City, UT$79,060
- San Jose, CA$77,410
- Sacramento, CA$76,900
- San Diego, CA$72,810
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Credit Counselors salary in Phoenix: questions
How much do credit counselors make an hour in Phoenix?
$26.30 an hour on average, and $26.02 at the median (BLS, May 2025).
What is the entry-level credit counselors salary in Phoenix?
The lowest-paid 10% earn about $44,000 a year and the 25th percentile is $48,130, a fair guide to starting pay.
What is the credit counselors take-home pay in Phoenix?
About $45,165 a year ($3,764 a month) for a single filer on the average salary of $54,710.
Do credit counselors earn more in Phoenix than elsewhere?
The average here is 4% less than the U.S. average for this job ($57,210).
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 13-2071; area Phoenix-Mesa-Chandler, AZ (38060). Relative standard error of the mean wage: 1.9%.
- 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 state income tax (2026 rules).
- Job concentration: location quotient 1.70, this job is 1.7 times as concentrated as in the U.S. overall.
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