Credit Analysts Salary
Credit Analysts in Billings, MT make a median of $77,890 a year, or about $37.45 an hour. The range runs from $59K at the entry level to $134K for experienced workers. Cost of living is below average (RPP 93.53), which stretches that salary to about $83,278 in buying power. Rent on a 2-bedroom averages $1,417/month, or 27.7% of estimated take-home pay.
So what does $78K get you in Billings?
Groceries, utilities, transportation, and healthcare scaled from national averages by Billings’s Regional Price Parity (93.53). 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 Billings
Credit analysts pay in Billings tracks closely to the national median, $78K locally vs. $84K nationwide, a 7% difference. Rent runs $1,417/month for a 2-bedroom (HUD FMR), taking 28.5% of the median take-home. That's within the 30% rule, though not by much. Regional Price Parity sits at 93.53 (national = 100), meaning everyday costs run about 6% cheaper here. Your dollar stretches further than the headline salary suggests. 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 Billings, adjusted for local cost of living.
| Metro | Median pay | COL-adjusted |
|---|---|---|
| Missoula | $78K | $81K |
| Sioux Falls | $66K | $73K |
| Boise City | $82K | $84K |
| Fargo | $84K | $92K |
COL-adjusted = median salary ÷ (BEA Regional Price Parity ÷ 100). Expresses purchasing power in national-average dollars.
Compensation breakdown
Annual earnings by percentile, Billings, MT
Entry-level credit analysts (10th percentile) start around $59K. Mid-career wages sit at $78K. Top earners bring in $134K or more, a $74K 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
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Frequently asked questions
Can a credit analyst afford a 2BR apartment alone in Billings?
Yes — at the median salary of $78K, rent takes 28.5% of take-home pay. A 2-bedroom at the HUD Fair Market Rent runs $1,417/month. That stays under the 30% guideline most financial planners use.
What’s the entry-level salary for credit analysts in Billings?
The 10th-percentile wage — what new credit analysts typically earn — is $59K/year. Take-home on that works out to about $3,565/month. At HUD’s $1,417/month FMR, rent would take 40% 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 Billings?
Pay here is roughly in line with the national average — $78K locally vs. $84K nationally, a 7% difference.
How does Billings compare to the national average for credit analysts?
Billings pays $78K median vs. the U.S. average of $84K — that’s -7%. After adjusting for local cost of living (RPP 93.53), the purchasing-power equivalent is $83K — below the national median.
How much do credit analysts make in Billings, MT?
The median is $77,890 a year, that works out to about $37 an hour. But the range is wide: entry-level workers start around $59,410, and experienced credit analysts can clear $133,510. These are BLS numbers, based on employer-reported data, not self-reported surveys.
Is $78K enough to live in Billings?
On that salary, you'd take home roughly $4,975/month after taxes. A 2-bedroom here rents for about $1,417/month, which eats 28.5% of your paycheck. That's under the 30% guideline most financial planners use, so the numbers work.
How far does a credit analysts salary go in Billings?
Billings has a Regional Price Parity of 93.53 (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 $83,278 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.