Credit Analysts Salary
Credit Analysts in Champaign-Urbana, IL make a median of $78,860 a year, or about $37.91 an hour. The range runs from $51K at the entry level to $106K for experienced workers. Cost of living is below average (RPP 92.7), which stretches that salary to about $85,070 in buying power. Rent on a 2-bedroom averages $1,122/month, or 21.7% of estimated take-home pay.
So what does $79K get you in Champaign-Urbana?
Groceries, utilities, transportation, and healthcare scaled from national averages by Champaign-Urbana’s Regional Price Parity (92.7). 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 Champaign-Urbana
Credit analysts pay in Champaign-Urbana tracks closely to the national median, $79K locally vs. $84K nationwide, a 6% difference. Housing is manageable: a 2-bedroom at the HUD median costs $1,122/month, 22.5% of take-home, well inside the 30% guideline. Regional Price Parity sits at 92.7 (national = 100), meaning everyday costs run about 7% cheaper here. Your dollar stretches further than the headline salary suggests. Use the affordability calculator above to model your specific situation.
Compared to nearby metros
Median pay for credit analysts in metros near Champaign-Urbana, adjusted for local cost of living.
| Metro | Median pay | COL-adjusted |
|---|---|---|
| Chicago-Naperville-Elgin | $93K | $90K |
| Springfield | $74K | $80K |
| Peoria | $67K | $73K |
| St. Louis | $74K | $78K |
COL-adjusted = median salary ÷ (BEA Regional Price Parity ÷ 100). Expresses purchasing power in national-average dollars.
Compensation breakdown
Annual earnings by percentile, Champaign-Urbana, IL
Entry-level credit analysts (10th percentile) start around $51K. Mid-career wages sit at $79K. Top earners bring in $106K or more, a $56K 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 Champaign-Urbana numbers change.
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Frequently asked questions
Can a credit analyst afford a 2BR apartment alone in Champaign-Urbana?
Yes — at the median salary of $79K, rent takes 22.5% of take-home pay. A 2-bedroom at the HUD Fair Market Rent runs $1,122/month. That stays under the 30% guideline most financial planners use.
What’s the entry-level salary for credit analysts in Champaign-Urbana?
The 10th-percentile wage — what new credit analysts typically earn — is $51K/year. Take-home on that works out to about $3,033/month. At HUD’s $1,122/month FMR, rent would take 37% 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 Champaign-Urbana?
Pay here is roughly in line with the national average — $79K locally vs. $84K nationally, a 6% difference.
How does Champaign-Urbana compare to the national average for credit analysts?
Champaign-Urbana pays $79K median vs. the U.S. average of $84K — that’s -6%. After adjusting for local cost of living (RPP 92.7), the purchasing-power equivalent is $85K — still ahead of the national median.
How much do credit analysts make in Champaign-Urbana, IL?
The median is $78,860 a year, that works out to about $38 an hour. But the range is wide: entry-level workers start around $50,550, and experienced credit analysts can clear $106,150. These are BLS numbers, based on employer-reported data, not self-reported surveys.
Is $79K enough to live in Champaign-Urbana?
On that salary, you'd take home roughly $4,997/month after taxes. A 2-bedroom here rents for about $1,122/month, which eats 22.5% 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 Champaign-Urbana?
Champaign-Urbana has a Regional Price Parity of 92.7 (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 $85,070 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.