Credit Analysts Salary
Credit Analysts in Birmingham, AL make a median of $101,720 a year, or about $48.91 an hour. The range runs from $59K at the entry level to $167K for experienced workers. Cost of living is below average (RPP 91.64), which stretches that salary to about $111,000 in buying power. Rent on a 2-bedroom averages $1,266/month, or 19.7% of estimated take-home pay.
So what does $102K get you in Birmingham?
Groceries, utilities, transportation, and healthcare scaled from national averages by Birmingham’s Regional Price Parity (91.64). 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 Birmingham
Birmingham sits well above the national pay line for credit analysts, local pay runs about 22% higher than the U.S. median of $84K. Housing is manageable: a 2-bedroom at the HUD median costs $1,266/month, 20.2% of take-home, well inside the 30% guideline. Regional Price Parity sits at 91.64 (national = 100), meaning everyday costs run about 8% cheaper here. Your dollar stretches further than the headline salary suggests. Combined with manageable housing costs, Birmingham offers a genuinely strong financial position for credit analystss at the median.
Compared to nearby metros
Median pay for credit analysts in metros near Birmingham, adjusted for local cost of living.
| Metro | Median pay | COL-adjusted |
|---|---|---|
| Pensacola-Ferry Pass-Brent | $74K | $76K |
| Atlanta-Sandy Springs-Roswell | $81K | $81K |
| Miami-Fort Lauderdale-West Palm Beach | $78K | $68K |
| Tampa-St. Petersburg-Clearwater | $79K | $78K |
COL-adjusted = median salary ÷ (BEA Regional Price Parity ÷ 100). Expresses purchasing power in national-average dollars.
Compensation breakdown
Annual earnings by percentile, Birmingham, AL
Entry-level credit analysts (10th percentile) start around $59K. Mid-career wages sit at $102K. Top earners bring in $167K or more, a $109K 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 Birmingham?
Yes — at the median salary of $102K, rent takes 20.2% of take-home pay. A 2-bedroom at the HUD Fair Market Rent runs $1,266/month. That stays under the 30% guideline most financial planners use.
What’s the entry-level salary for credit analysts in Birmingham?
The 10th-percentile wage — what new credit analysts typically earn — is $59K/year. Take-home on that works out to about $3,514/month. At HUD’s $1,266/month FMR, rent would take 36% 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 Birmingham?
Local pay is 22% above the national median — $102K here vs. $84K nationally.
How does Birmingham compare to the national average for credit analysts?
Birmingham pays $102K median vs. the U.S. average of $84K — that’s +22%. After adjusting for local cost of living (RPP 91.64), the purchasing-power equivalent is $111K — still ahead of the national median.
How much do credit analysts make in Birmingham, AL?
The median is $101,720 a year, that works out to about $49 an hour. But the range is wide: entry-level workers start around $58,560, and experienced credit analysts can clear $167,190. These are BLS numbers, based on employer-reported data, not self-reported surveys.
Is $102K enough to live in Birmingham?
On that salary, you'd take home roughly $6,252/month after taxes. A 2-bedroom here rents for about $1,266/month, which eats 20.2% 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 Birmingham?
Birmingham has a Regional Price Parity of 91.64 (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 $111,000 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.