Credit Counselors pay range in Duluth
New workers and the lowest-paid 10% earn about $47,010 a year or less, while the top 10% make $66,580 or more. The middle half of credit counselors in Duluth earn between $50,990 and $63,930.
- $47K10th
- $51K25th
- $56KMedian
- $64K75th
- $67K90th
median average · bar = middle 50% of workers · how to read it
| Pay level | Per year | Per month | Per hour* |
|---|---|---|---|
| Average | $57,170 | $4,764 | $27.49 |
| Median | $55,920 | $4,660 | $26.88 |
| Entry level (25th percentile) | $50,990 | $4,249 | $24.51 |
| Experienced (75th percentile) | $63,930 | $5,328 | $30.74 |
*Hourly figures assume 2,080 paid hours a year. Hourly to annual salary.
Credit Counselors pay in Duluth vs. Minnesota and the U.S.
Credit counselors in Duluth earn 7% less than the Minnesota average ($61,310) 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 |
|---|---|---|---|---|---|
| Duluth | $57,170 | $55,920 | $47,010 | $66,580 | 40 |
| Minnesota | $61,310 | $62,160 | $47,110 | $74,140 | 580 |
| 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 Duluth
On the average salary of $57,170, a single filer in Duluth takes home about $45,752 a year, or $3,813 a month and $1,760 every two weeks. Taxes take 20% of gross pay.
The Duluth, MN-WI metro area crosses state lines, so take-home pay depends on the state where you work:
| State | Per year | Per month |
|---|---|---|
| Working in WI | $46,186 | $3,849 |
| Working in MN | $45,752 | $3,813 |
Single filer, standard deduction: federal income tax (2026 brackets), Social Security, Medicare and state income tax (2026 rules). Minnesota Paid Leave premiums are not included.
Is Duluth a good place for credit counselors? Pay vs. cost of living
Prices in the Duluth area are 11% below the U.S. average (BEA price parity 88.8), so the average $57,170 buys what about $64,404 would buy in a typical U.S. metro. This job pays 1.1 times the median wage of all jobs in Duluth ($50,000). A typical home costs $264,350, or 4.6 years of this average salary before tax.
Credit Counselors salary in other Minnesota cities
Duluth ranks 2nd of 2 Minnesota metro areas for this job; Minneapolis pays the most ($61,660).
- Minneapolis$61,660
- Duluth$57,170
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 Duluth: questions
How much do credit counselors make an hour in Duluth?
$27.49 an hour on average, and $26.89 at the median (BLS, May 2025).
What is the entry-level credit counselors salary in Duluth?
The lowest-paid 10% earn about $47,010 a year and the 25th percentile is $50,990, a fair guide to starting pay.
What is the credit counselors take-home pay in Duluth?
About $45,752 a year ($3,813 a month) for a single filer on the average salary of $57,170. Minnesota Paid Leave premiums are not included.
Do credit counselors earn more in Duluth 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 Duluth, MN-WI (20260). Relative standard error of the mean wage: 1.0%.
- 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). Minnesota Paid Leave premiums are not included.
- Job concentration: location quotient 1.83, this job is 1.8 times as concentrated as in the U.S. overall.
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