Credit Analysts Salary
Credit Analysts in Austin-Round Rock-San Marcos, TX make a median of $86,920 a year, or about $41.79 an hour. The range runs from $58K at the entry level to $146K for experienced workers. Adjusted for local prices (RPP 98.07), that's roughly $88,631 in purchasing power. A 2-bedroom apartment runs $1,852/month, about 31.8% of take-home, which is tight.
So what does $87K get you in Austin-Round Rock-San Marcos?
Groceries, utilities, transportation, and healthcare scaled from national averages by Austin-Round Rock-San Marcos’s Regional Price Parity (98.07). 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 Austin-Round Rock-San Marcos
Credit analysts pay in Austin-Round Rock-San Marcos tracks closely to the national median, $87K locally vs. $84K nationwide, a 4% difference. Rent runs $1,852/month for a 2-bedroom (HUD FMR), taking 32% of the median take-home. That's within the 30% rule, though not by much. Cost of living (RPP 98.07) is near the national average, so spending patterns here track the typical American budget fairly closely. Pay and costs are both near average, leaving limited margin for savings at the median wage.
Compared to nearby metros
Median pay for credit analysts in metros near Austin-Round Rock-San Marcos, adjusted for local cost of living.
| Metro | Median pay | COL-adjusted |
|---|---|---|
| Dallas-Fort Worth-Arlington | $81K | $78K |
| Houston-Pasadena-The Woodlands | $79K | $80K |
| San Antonio-New Braunfels | $66K | $70K |
| El Paso | $49K | $55K |
COL-adjusted = median salary ÷ (BEA Regional Price Parity ÷ 100). Expresses purchasing power in national-average dollars.
Compensation breakdown
Annual earnings by percentile, Austin-Round Rock-San Marcos, TX
Entry-level credit analysts (10th percentile) start around $58K. Mid-career wages sit at $87K. Top earners bring in $146K or more, a $88K 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)
Track credit analysts salary changes
BLS updates this data quarterly. We'll email you when Austin-Round Rock-San Marcos numbers change.
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Frequently asked questions
Can a credit analyst afford a 2BR apartment alone in Austin-Round Rock-San Marcos?
It’s a stretch — at the median salary of $87K, rent takes 32% of take-home pay. A 2-bedroom at the HUD Fair Market Rent runs $1,852/month. The 30% guideline puts the comfortable ceiling at roughly $1,700/month in rent — so roommates or a 1-bedroom would ease the math significantly.
What’s the entry-level salary for credit analysts in Austin-Round Rock-San Marcos?
The 10th-percentile wage — what new credit analysts typically earn — is $58K/year. Take-home on that works out to about $3,480/month. At HUD’s $1,852/month FMR, rent would take 53% 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 Austin-Round Rock-San Marcos?
Pay here is roughly in line with the national average — $87K locally vs. $84K nationally, a 4% difference.
How does Austin-Round Rock-San Marcos compare to the national average for credit analysts?
Austin-Round Rock-San Marcos pays $87K median vs. the U.S. average of $84K — that’s +4%. After adjusting for local cost of living (RPP 98.07), the purchasing-power equivalent is $89K — still ahead of the national median.
How much do credit analysts make in Austin-Round Rock-San Marcos, TX?
The median is $86,920 a year, that works out to about $42 an hour. But the range is wide: entry-level workers start around $58,000, and experienced credit analysts can clear $146,160. These are BLS numbers, based on employer-reported data, not self-reported surveys.
Is $87K enough to live in Austin-Round Rock-San Marcos?
On that salary, you'd take home roughly $5,795/month after taxes. A 2-bedroom here rents for about $1,852/month, which eats 32% 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 Austin-Round Rock-San Marcos?
Austin-Round Rock-San Marcos has a Regional Price Parity of 98.07 (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 $88,631 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.