Credit Analysts Salary
Credit Analysts in Buffalo-Cheektowaga, NY make a median of $99,640 a year, or about $47.91 an hour. The range runs from $62K at the entry level to $161K for experienced workers. Adjusted for local prices (RPP 95.84), that's roughly $103,965 in purchasing power. Rent on a 2-bedroom averages $1,343/month, or 21.5% of estimated take-home pay.
So what does $100K get you in Buffalo-Cheektowaga?
Groceries, utilities, transportation, and healthcare scaled from national averages by Buffalo-Cheektowaga’s Regional Price Parity (95.84). 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
Sponsored links, AffordMap may earn a commission at no cost to you. Learn more
What this looks like in Buffalo-Cheektowaga
Buffalo-Cheektowaga sits well above the national pay line for credit analysts, local pay runs about 19% higher than the U.S. median of $84K. Housing is manageable: a 2-bedroom at the HUD median costs $1,343/month, 21.9% of take-home, well inside the 30% guideline. Cost of living (RPP 95.84) is near the national average, so spending patterns here track the typical American budget fairly closely. Combined with manageable housing costs, Buffalo-Cheektowaga offers a genuinely strong financial position for credit analystss at the median.
Compared to nearby metros
Median pay for credit analysts in metros near Buffalo-Cheektowaga, adjusted for local cost of living.
| Metro | Median pay | COL-adjusted |
|---|---|---|
| New York-Newark-Jersey City | $137K | $121K |
| Rochester | $96K | $99K |
| Syracuse | $80K | $84K |
| Kiryas Joel-Poughkeepsie-Newburgh | $85K | $78K |
COL-adjusted = median salary ÷ (BEA Regional Price Parity ÷ 100). Expresses purchasing power in national-average dollars.
Compensation breakdown
Annual earnings by percentile, Buffalo-Cheektowaga, NY
Entry-level credit analysts (10th percentile) start around $62K. Mid-career wages sit at $100K. Top earners bring in $161K or more, a $99K 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 Buffalo-Cheektowaga numbers change.
Related careers in Business & Finance
Frequently asked questions
Can a credit analyst afford a 2BR apartment alone in Buffalo-Cheektowaga?
Yes — at the median salary of $100K, rent takes 21.9% of take-home pay. A 2-bedroom at the HUD Fair Market Rent runs $1,343/month. That stays under the 30% guideline most financial planners use.
What’s the entry-level salary for credit analysts in Buffalo-Cheektowaga?
The 10th-percentile wage — what new credit analysts typically earn — is $62K/year. Take-home on that works out to about $3,703/month. At HUD’s $1,343/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 Buffalo-Cheektowaga?
Local pay is 19% above the national median — $100K here vs. $84K nationally.
How does Buffalo-Cheektowaga compare to the national average for credit analysts?
Buffalo-Cheektowaga pays $100K median vs. the U.S. average of $84K — that’s +19%. After adjusting for local cost of living (RPP 95.84), the purchasing-power equivalent is $104K — still ahead of the national median.
How much do credit analysts make in Buffalo-Cheektowaga, NY?
The median is $99,640 a year, that works out to about $48 an hour. But the range is wide: entry-level workers start around $61,710, and experienced credit analysts can clear $160,970. These are BLS numbers, based on employer-reported data, not self-reported surveys.
Is $100K enough to live in Buffalo-Cheektowaga?
On that salary, you'd take home roughly $6,129/month after taxes. A 2-bedroom here rents for about $1,343/month, which eats 21.9% 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 Buffalo-Cheektowaga?
Buffalo-Cheektowaga has a Regional Price Parity of 95.84 (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 $103,965 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.