Credit Analysts Salary
Credit Analysts in Columbia, SC make a median of $81,740 a year, or about $39.3 an hour. The range runs from $54K at the entry level to $137K for experienced workers. Cost of living is below average (RPP 93.66), which stretches that salary to about $87,273 in buying power. Rent on a 2-bedroom averages $1,276/month, or 24.7% of estimated take-home pay.
So what does $82K get you in Columbia?
Groceries, utilities, transportation, and healthcare scaled from national averages by Columbia’s Regional Price Parity (93.66). 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 Columbia
Credit analysts pay in Columbia tracks closely to the national median, $82K locally vs. $84K nationwide, a 2% difference. Housing is manageable: a 2-bedroom at the HUD median costs $1,276/month, 24.6% of take-home, well inside the 30% guideline. Regional Price Parity sits at 93.66 (national = 100), meaning everyday costs run about 6% 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 Columbia, adjusted for local cost of living.
| Metro | Median pay | COL-adjusted |
|---|---|---|
| Greenville-Anderson-Greer | $70K | $75K |
| Charleston-North Charleston | $83K | $82K |
| Florence | $96K | $110K |
| Charlotte-Concord-Gastonia | $101K | $103K |
COL-adjusted = median salary ÷ (BEA Regional Price Parity ÷ 100). Expresses purchasing power in national-average dollars.
Compensation breakdown
Annual earnings by percentile, Columbia, SC
Entry-level credit analysts (10th percentile) start around $54K. Mid-career wages sit at $82K. Top earners bring in $137K or more, a $83K 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 Columbia?
Yes — at the median salary of $82K, rent takes 24.6% of take-home pay. A 2-bedroom at the HUD Fair Market Rent runs $1,276/month. That stays under the 30% guideline most financial planners use.
What’s the entry-level salary for credit analysts in Columbia?
The 10th-percentile wage — what new credit analysts typically earn — is $54K/year. Take-home on that works out to about $3,229/month. At HUD’s $1,276/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 Columbia?
Pay here is roughly in line with the national average — $82K locally vs. $84K nationally, a 2% difference.
How does Columbia compare to the national average for credit analysts?
Columbia pays $82K median vs. the U.S. average of $84K — that’s -2%. After adjusting for local cost of living (RPP 93.66), the purchasing-power equivalent is $87K — still ahead of the national median.
How much do credit analysts make in Columbia, SC?
The median is $81,740 a year, that works out to about $39 an hour. But the range is wide: entry-level workers start around $53,820, and experienced credit analysts can clear $136,730. These are BLS numbers, based on employer-reported data, not self-reported surveys.
Is $82K enough to live in Columbia?
On that salary, you'd take home roughly $5,191/month after taxes. A 2-bedroom here rents for about $1,276/month, which eats 24.6% 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 Columbia?
Columbia has a Regional Price Parity of 93.66 (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 $87,273 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.