Credit Counselors pay range in Lubbock
New workers and the lowest-paid 10% earn about $28,040 a year or less, while the top 10% make $57,190 or more. The middle half of credit counselors in Lubbock earn between $40,830 and $50,430.
- $28K10th
- $41K25th
- $41KMedian
- $50K75th
- $57K90th
median average · bar = middle 50% of workers · how to read it
| Pay level | Per year | Per month | Per hour* |
|---|---|---|---|
| Average | $44,540 | $3,712 | $21.41 |
| Median | $40,960 | $3,413 | $19.69 |
| Entry level (25th percentile) | $40,830 | $3,402 | $19.63 |
| Experienced (75th percentile) | $50,430 | $4,202 | $24.25 |
*Hourly figures assume 2,080 paid hours a year. Hourly to annual salary.
Credit Counselors pay in Lubbock vs. Texas and the U.S.
Credit counselors in Lubbock earn 12% less than the Texas average ($50,420) and 22% less than the U.S. average ($57,210). At the median the gap is -22% against the U.S. median of $52,230.
| Area | Average | Median | 10th pct. | 90th pct. | Jobs |
|---|---|---|---|---|---|
| Lubbock | $44,540 | $40,960 | $28,040 | $57,190 | 50 |
| Texas | $50,420 | $48,220 | $36,120 | $66,750 | 3,950 |
| 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 Lubbock
On the average salary of $44,540, a single filer in Lubbock takes home about $37,968 a year, or $3,164 a month and $1,460 every two weeks. Taxes take 15% of gross pay.
Single filer, standard deduction: federal income tax (2026 brackets), Social Security, Medicare and no state income tax.
Is Lubbock a good place for credit counselors? Pay vs. cost of living
Prices in the Lubbock area are 9% below the U.S. average (BEA price parity 91.3), so the average $44,540 buys what about $48,775 would buy in a typical U.S. metro. This job pays 1.0 times the median wage of all jobs in Lubbock ($42,130). A typical home costs $213,766, or 4.8 years of this average salary before tax.
Credit Counselors salary in other Texas cities
Lubbock ranks 10th of 13 Texas metro areas for this job; Longview pays the most ($53,120).
- Longview$53,120
- McAllen$52,650
- Dallas$52,330
- Houston$51,860
- Austin$51,850
- Tyler$50,880
- San Antonio$49,910
- Brownsville$47,640
- El Paso$44,910
- Lubbock$44,540
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 Lubbock: questions
How much do credit counselors make an hour in Lubbock?
$21.41 an hour on average, and $19.69 at the median (BLS, May 2025).
What is the entry-level credit counselors salary in Lubbock?
The lowest-paid 10% earn about $28,040 a year and the 25th percentile is $40,830, a fair guide to starting pay.
What is the credit counselors take-home pay in Lubbock?
About $37,968 a year ($3,164 a month) for a single filer on the average salary of $44,540. Texas has no state income tax.
Do credit counselors earn more in Lubbock than elsewhere?
The average here is 22% 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 Lubbock, TX (31180). Relative standard error of the mean wage: 3.0%.
- 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 no state income tax.
- Job concentration: location quotient 1.59, this job is 1.6 times as concentrated as in the U.S. overall.
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