Credit Analysts Salary
Credit Analysts in Lubbock, TX make a median of $72,390 a year, or about $34.8 an hour. The range runs from $56K at the entry level to $165K for experienced workers. Cost of living is below average (RPP 91.32), which stretches that salary to about $79,271 in buying power. Rent on a 2-bedroom averages $973/month, or 19.4% of estimated take-home pay.
So what does $72K get you in Lubbock?
Groceries, utilities, transportation, and healthcare scaled from national averages by Lubbock’s Regional Price Parity (91.32). 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 Lubbock
Pay for credit analysts in Lubbock runs about 13% below the U.S. median of $84K. Housing is manageable: a 2-bedroom at the HUD median costs $973/month, 19.7% of take-home, well inside the 30% guideline. Regional Price Parity sits at 91.32 (national = 100), meaning everyday costs run about 9% cheaper here. Your dollar stretches further than the headline salary suggests. Lower pay, lower costs, Lubbock can be a reasonable trade-off for credit analystss who value affordability over top-dollar markets.
Compared to nearby metros
Median pay for credit analysts in metros near Lubbock, adjusted for local cost of living.
| Metro | Median pay | COL-adjusted |
|---|---|---|
| Dallas-Fort Worth-Arlington | $81K | $78K |
| Houston-Pasadena-The Woodlands | $79K | $80K |
| San Antonio-New Braunfels | $66K | $70K |
| Austin-Round Rock-San Marcos | $87K | $89K |
COL-adjusted = median salary ÷ (BEA Regional Price Parity ÷ 100). Expresses purchasing power in national-average dollars.
Compensation breakdown
Annual earnings by percentile, Lubbock, TX
Entry-level credit analysts (10th percentile) start around $56K. Mid-career wages sit at $72K. Top earners bring in $165K or more, a $108K 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 Lubbock?
Yes — at the median salary of $72K, rent takes 19.7% of take-home pay. A 2-bedroom at the HUD Fair Market Rent runs $973/month. That stays under the 30% guideline most financial planners use.
What’s the entry-level salary for credit analysts in Lubbock?
The 10th-percentile wage — what new credit analysts typically earn — is $56K/year. Take-home on that works out to about $3,387/month. At HUD’s $973/month FMR, rent would take 29% of that take-home — manageable on an entry-level income.
Is credit analyst a high-paying job in Lubbock?
Local pay runs 13% below the national median — $72K here vs. $84K nationally. Cost of living is 9% below the national average, which narrows that gap in real purchasing power.
How does Lubbock compare to the national average for credit analysts?
Lubbock pays $72K median vs. the U.S. average of $84K — that’s -13%. After adjusting for local cost of living (RPP 91.32), the purchasing-power equivalent is $79K — below the national median.
How much do credit analysts make in Lubbock, TX?
The median is $72,390 a year, that works out to about $35 an hour. But the range is wide: entry-level workers start around $56,450, and experienced credit analysts can clear $164,780. These are BLS numbers, based on employer-reported data, not self-reported surveys.
Is $72K enough to live in Lubbock?
On that salary, you'd take home roughly $4,943/month after taxes. A 2-bedroom here rents for about $973/month, which eats 19.7% 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 Lubbock?
Lubbock has a Regional Price Parity of 91.32 (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 $79,271 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.