Credit Analysts Salary
Credit Analysts in Allentown-Bethlehem-Easton, PA-NJ make a median of $72,690 a year, or about $34.95 an hour. The range runs from $52K at the entry level to $138K for experienced workers. Adjusted for local prices (RPP 99.97), that's roughly $72,712 in purchasing power. A 2-bedroom apartment runs $1,839/month, about 37.8% of take-home, which is tight.
Where the paycheck goes
What $73K actually covers in Allentown-Bethlehem-Easton, month by month
Groceries, utilities, transportation, and healthcare scaled from national averages by Allentown-Bethlehem-Easton’s Regional Price Parity (99.97). Rent from HUD Fair Market Rents. Taxes estimated for single filer, standard deduction. * Healthcare is the employee-paid share only (premiums + out-of-pocket). Actual costs vary by coverage type: employer-sponsored, ACA marketplace, or uninsured.
About credit analysts
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What this looks like in Allentown-Bethlehem-Easton
Pay for credit analysts in Allentown-Bethlehem-Easton runs about 13% below the U.S. median of $84K. The catch: housing math doesn't keep up. A 2-bedroom at the HUD median rents for $1,839/month, which is 38.5% of the median worker's take-home, past the 30% guideline most planners use. Cost of living (RPP 99.97) is near the national average, so spending patterns here track the typical American budget fairly closely. That combination, below-market pay with high housing costs, makes this a financially demanding market for credit analysts.
Compared to nearby metros
Median pay for credit analysts in metros near Allentown-Bethlehem-Easton, adjusted for local cost of living.
| Metro | Median pay | COL-adjusted |
|---|---|---|
| Philadelphia-Camden-Wilmington | $92K | $90K |
| Pittsburgh | $82K | $86K |
| Scranton--Wilkes-Barre | $80K | $86K |
| New York-Newark-Jersey City | $137K | $121K |
COL-adjusted = median salary ÷ (BEA Regional Price Parity ÷ 100). Expresses purchasing power in national-average dollars.
Compensation breakdown
Annual earnings by percentile, Allentown-Bethlehem-Easton, PA-NJ
Entry-level credit analysts (10th percentile) start around $52K. Mid-career wages sit at $73K. Top earners bring in $138K or more, a $85K spread from bottom to top.
Credit Analysts pay across states
Median income ranked highest to lowest, compared to the national figure
View Credit Analysts salary in all states
| State | Median salary | vs. national | Employment |
|---|---|---|---|
| New York | $133K | +60% | 7,960 |
| District of Columbia | $133K | +59% | 50 |
| Virginia | $102K | +23% | 2,460 |
| New Jersey | $101K | +21% | 1,220 |
| Hawaii | $99K | +18% | 130 |
| Connecticut | $98K | +18% | 560 |
| California | $98K | +17% | 5,260 |
| Massachusetts | $97K | +16% | 1,400 |
| Delaware | $95K | +13% | 720 |
| North Carolina | $95K | +13% | 3,270 |
| Washington | $91K | +9% | 1,280 |
| Rhode Island | $86K | +3% | 160 |
| Illinois | $85K | +2% | 3,130 |
| Minnesota | $83K | -1% | 1,110 |
| Maine | $82K | -2% | 280 |
| Alaska | $81K | -3% | 40 |
| Colorado | $81K | -3% | 870 |
| Oregon | $80K | -4% | 650 |
| Pennsylvania | $80K | -4% | 1,930 |
| Alabama | $80K | -4% | 370 |
| Nebraska | $80K | -5% | 510 |
| Ohio | $80K | -5% | 2,790 |
| Idaho | $80K | -5% | 330 |
| Kentucky | $79K | -5% | 370 |
| Texas | $79K | -6% | 6,130 |
| Florida | $78K | -6% | 4,040 |
| Georgia | $78K | -7% | 1,790 |
| New Hampshire | $78K | -7% | 230 |
| South Carolina | $78K | -7% | 690 |
| Arizona | $77K | -8% | 2,260 |
| Iowa | $77K | -8% | 480 |
| Maryland | $75K | -10% | 700 |
| Oklahoma | $75K | -10% | 550 |
| Mississippi | $75K | -10% | 280 |
| North Dakota | $75K | -10% | 300 |
| Montana | $75K | -11% | 190 |
| Michigan | $75K | -11% | 1,510 |
| Utah | $74K | -11% | 750 |
| Louisiana | $73K | -12% | 290 |
| Kansas | $73K | -12% | 520 |
| Nevada | $73K | -12% | 390 |
| South Dakota | $73K | -13% | 430 |
| Tennessee | $73K | -13% | 1,480 |
| New Mexico | $72K | -14% | 90 |
| Arkansas | $71K | -15% | 300 |
| Vermont | $71K | -15% | 90 |
| Wisconsin | $69K | -18% | 1,770 |
| Missouri | $65K | -22% | 1,160 |
| Indiana | $63K | -25% | 860 |
| Wyoming | $62K | -26% | 40 |
| West Virginia | $57K | -31% | 220 |
Showing 1–10 of 51 (all 50 states + DC)
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Quick answers
The stuff people actually ask about this job
Can a credit analyst afford a 2BR apartment alone in Allentown-Bethlehem-Easton?
It’s a stretch — at the median salary of $73K, rent takes 38.5% of take-home pay. A 2-bedroom at the HUD Fair Market Rent runs $1,839/month. The 30% guideline puts the comfortable ceiling at roughly $1,400/month in rent — so roommates or a 1-bedroom would ease the math significantly.
What’s the entry-level salary for credit analysts in Allentown-Bethlehem-Easton?
The 10th-percentile wage — what new credit analysts typically earn — is $52K/year. Take-home on that works out to about $3,548/month. At HUD’s $1,839/month FMR, rent would take 52% of that take-home — above the 30% guideline, so a 1-bedroom or shared housing is likely necessary starting out.
Is credit analyst a high-paying job in Allentown-Bethlehem-Easton?
Local pay runs 13% below the national median — $73K here vs. $84K nationally.
How does Allentown-Bethlehem-Easton compare to the national average for credit analysts?
Allentown-Bethlehem-Easton pays $73K median vs. the U.S. average of $84K — that’s -13%. After adjusting for local cost of living (RPP 99.97), the purchasing-power equivalent is $73K — below the national median.
How much do credit analysts make in Allentown-Bethlehem-Easton, PA-NJ?
The median is $72,690 a year, that works out to about $35 an hour. But the range is wide: entry-level workers start around $52,450, and experienced credit analysts can clear $137,760. These are BLS numbers, based on employer-reported data, not self-reported surveys.
Is $73K enough to live in Allentown-Bethlehem-Easton?
On that salary, you'd take home roughly $4,774/month after taxes. A 2-bedroom here rents for about $1,839/month, which eats 38.5% of your paycheck. That's above the 30% rule of thumb, housing will be a stretch at the median salary, though you can manage with roommates or a smaller place.
How far does a credit analysts salary go in Allentown-Bethlehem-Easton?
Allentown-Bethlehem-Easton has a Regional Price Parity of 99.97 (100 is the national average). That's below average, your money stretches further here than the raw salary number suggests. After cost-of-living adjustment, the median credit analysts salary is worth about $72,712 in national-average purchasing power.
Where do credit analysts get paid the most?
The table above ranks every state by median pay for this role. Keep in mind that the highest-paying states tend to have the highest costs of living, so the top salary doesn't always mean the most money in your pocket.