Credit Counselors pay range in Saginaw
New workers and the lowest-paid 10% earn about $43,500 a year or less, while the top 10% make $88,470 or more. The middle half of credit counselors in Saginaw earn between $43,500 and $61,580.
- $44K10th
- $44K25th
- $49KMedian
- $62K75th
- $88K90th
median average · bar = middle 50% of workers · how to read it
| Pay level | Per year | Per month | Per hour* |
|---|---|---|---|
| Average | $56,690 | $4,724 | $27.25 |
| Median | $48,780 | $4,065 | $23.45 |
| Entry level (25th percentile) | $43,500 | $3,625 | $20.91 |
| Experienced (75th percentile) | $61,580 | $5,132 | $29.61 |
*Hourly figures assume 2,080 paid hours a year. Hourly to annual salary.
Credit Counselors pay in Saginaw vs. Michigan and the U.S.
Credit counselors in Saginaw earn about the same as the Michigan average ($57,490) and about the same as the U.S. average ($57,210). At the median the gap is -7% against the U.S. median of $52,230.
| Area | Average | Median | 10th pct. | 90th pct. | Jobs |
|---|---|---|---|---|---|
| Saginaw | $56,690 | $48,780 | $43,500 | $88,470 | 40 |
| Michigan | $57,490 | $52,160 | $39,440 | $77,970 | 1,260 |
| 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 Saginaw
On the average salary of $56,690, a single filer in Saginaw takes home about $44,804 a year, or $3,734 a month and $1,723 every two weeks. Taxes take 21% of gross pay.
Single filer, standard deduction: federal income tax (2026 brackets), Social Security, Medicare and state income tax (2025 rules). Includes Saginaw's local income tax (1.5%).
Is Saginaw a good place for credit counselors? Pay vs. cost of living
Prices in the Saginaw area are 9% below the U.S. average (BEA price parity 90.9), so the average $56,690 buys what about $62,371 would buy in a typical U.S. metro. This job pays 1.1 times the median wage of all jobs in Saginaw ($46,200). A typical home costs $173,341, or 3.1 years of this average salary before tax.
Credit Counselors salary in other Michigan cities
Saginaw ranks 3rd of 7 Michigan metro areas for this job; Ann Arbor pays the most ($58,160).
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 Saginaw: questions
How much do credit counselors make an hour in Saginaw?
$27.25 an hour on average, and $23.45 at the median (BLS, May 2025).
What is the entry-level credit counselors salary in Saginaw?
The lowest-paid 10% earn about $43,500 a year and the 25th percentile is $43,500, a fair guide to starting pay.
What is the credit counselors take-home pay in Saginaw?
About $44,804 a year ($3,734 a month) for a single filer on the average salary of $56,690. Includes Saginaw's local income tax (1.5%).
Do credit counselors earn more in Saginaw than elsewhere?
The average here is about the same as 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 Saginaw, MI (40980). Relative standard error of the mean wage: 4.4%.
- 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 (2025 rules). Includes Saginaw's local income tax (1.5%).
- Job concentration: location quotient 2.53, this job is 2.5 times as concentrated as in the U.S. overall.
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