Credit Analysts Salary
Credit Analysts in Fargo, ND-MN make a median of $83,720 a year, or about $40.25 an hour. The range runs from $53K at the entry level to $132K for experienced workers. Cost of living is below average (RPP 90.87), which stretches that salary to about $92,132 in buying power. Rent on a 2-bedroom averages $1,112/month, or 20.6% of estimated take-home pay.
So what does $84K get you in Fargo?
Groceries, utilities, transportation, and healthcare scaled from national averages by Fargo’s Regional Price Parity (90.87). 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 Fargo
Credit analysts pay in Fargo tracks closely to the national median, $84K locally vs. $84K nationwide, a 0% difference. Housing is manageable: a 2-bedroom at the HUD median costs $1,112/month, 20.3% of take-home, well inside the 30% guideline. Regional Price Parity sits at 90.87 (national = 100), meaning everyday costs run about 9% 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 Fargo, adjusted for local cost of living.
| Metro | Median pay | COL-adjusted |
|---|---|---|
| Bismarck | $72K | $79K |
| Minneapolis-St. Paul-Bloomington | $85K | $81K |
| Sioux Falls | $66K | $73K |
| St. Cloud | $74K | $85K |
COL-adjusted = median salary ÷ (BEA Regional Price Parity ÷ 100). Expresses purchasing power in national-average dollars.
Compensation breakdown
Annual earnings by percentile, Fargo, ND-MN
Entry-level credit analysts (10th percentile) start around $53K. Mid-career wages sit at $84K. Top earners bring in $132K or more, a $79K 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 Fargo numbers change.
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Frequently asked questions
Can a credit analyst afford a 2BR apartment alone in Fargo?
Yes — at the median salary of $84K, rent takes 20.3% of take-home pay. A 2-bedroom at the HUD Fair Market Rent runs $1,112/month. That stays under the 30% guideline most financial planners use.
What’s the entry-level salary for credit analysts in Fargo?
The 10th-percentile wage — what new credit analysts typically earn — is $53K/year. Take-home on that works out to about $3,154/month. At HUD’s $1,112/month FMR, rent would take 35% 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 Fargo?
Pay here is roughly in line with the national average — $84K locally vs. $84K nationally, a 0% difference.
How does Fargo compare to the national average for credit analysts?
Fargo pays $84K median vs. the U.S. average of $84K — that’s +0%. After adjusting for local cost of living (RPP 90.87), the purchasing-power equivalent is $92K — still ahead of the national median.
How much do credit analysts make in Fargo, ND-MN?
The median is $83,720 a year, that works out to about $40 an hour. But the range is wide: entry-level workers start around $52,570, and experienced credit analysts can clear $131,870. These are BLS numbers, based on employer-reported data, not self-reported surveys.
Is $84K enough to live in Fargo?
On that salary, you'd take home roughly $5,471/month after taxes. A 2-bedroom here rents for about $1,112/month, which eats 20.3% 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 Fargo?
Fargo has a Regional Price Parity of 90.87 (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 $92,132 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.