Credit Analysts Salary
Credit Analysts in Oxnard-Thousand Oaks-Ventura, CA make a median of $85,530 a year, or about $41.12 an hour. The range runs from $59K at the entry level to $131K for experienced workers. Prices run high here (RPP 110.53), so that salary is closer to $77,382 in real purchasing power. A 2-bedroom apartment runs $2,693/month, about 50.1% of take-home, which is tight.
So what does $86K get you in Oxnard-Thousand Oaks-Ventura?
Groceries, utilities, transportation, and healthcare scaled from national averages by Oxnard-Thousand Oaks-Ventura’s Regional Price Parity (110.53). 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 Oxnard-Thousand Oaks-Ventura
Credit analysts pay in Oxnard-Thousand Oaks-Ventura tracks closely to the national median, $86K locally vs. $84K nationwide, a 2% difference. The catch: housing math doesn't keep up. A 2-bedroom at the HUD median rents for $2,693/month, which is 50.1% of the median worker's take-home, past the 30% guideline most planners use. Cost-of-living overall is 11% above the national average (BEA RPP 110.53), so groceries and services cost more too. Use the affordability calculator above to model your specific situation.
Compared to nearby metros
Median pay for credit analysts in metros near Oxnard-Thousand Oaks-Ventura, adjusted for local cost of living.
| Metro | Median pay | COL-adjusted |
|---|---|---|
| Los Angeles-Long Beach-Anaheim | $96K | $84K |
| San Francisco-Oakland-Fremont | $123K | $106K |
| San Diego-Chula Vista-Carlsbad | $95K | $85K |
| San Jose-Sunnyvale-Santa Clara | $129K | $117K |
COL-adjusted = median salary ÷ (BEA Regional Price Parity ÷ 100). Expresses purchasing power in national-average dollars.
Compensation breakdown
Annual earnings by percentile, Oxnard-Thousand Oaks-Ventura, CA
Entry-level credit analysts (10th percentile) start around $59K. Mid-career wages sit at $86K. Top earners bring in $131K or more, a $72K 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 Oxnard-Thousand Oaks-Ventura?
It’s a stretch — at the median salary of $86K, rent takes 50.1% of take-home pay. A 2-bedroom at the HUD Fair Market Rent runs $2,693/month. The 30% guideline puts the comfortable ceiling at roughly $1,600/month in rent — so roommates or a 1-bedroom would ease the math significantly.
What’s the entry-level salary for credit analysts in Oxnard-Thousand Oaks-Ventura?
The 10th-percentile wage — what new credit analysts typically earn — is $59K/year. Take-home on that works out to about $3,552/month. At HUD’s $2,693/month FMR, rent would take 76% 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 Oxnard-Thousand Oaks-Ventura?
Pay here is roughly in line with the national average — $86K locally vs. $84K nationally, a 2% difference.
How does Oxnard-Thousand Oaks-Ventura compare to the national average for credit analysts?
Oxnard-Thousand Oaks-Ventura pays $86K median vs. the U.S. average of $84K — that’s +2%. After adjusting for local cost of living (RPP 110.53), the purchasing-power equivalent is $77K — below the national median.
How much do credit analysts make in Oxnard-Thousand Oaks-Ventura, CA?
The median is $85,530 a year, that works out to about $41 an hour. But the range is wide: entry-level workers start around $59,200, and experienced credit analysts can clear $131,470. These are BLS numbers, based on employer-reported data, not self-reported surveys.
Is $86K enough to live in Oxnard-Thousand Oaks-Ventura?
On that salary, you'd take home roughly $5,372/month after taxes. A 2-bedroom here rents for about $2,693/month, which eats 50.1% of your paycheck. That's above the 30% rule of thumb, housing will be a stretch at the median salary, though you can manage with roommates or a smaller place.
How far does a credit analysts salary go in Oxnard-Thousand Oaks-Ventura?
Oxnard-Thousand Oaks-Ventura has a Regional Price Parity of 110.53 (100 is the national average). Prices are above average here, so your dollar buys less than the same salary would in a cheaper metro. After cost-of-living adjustment, the median credit analysts salary is worth about $77,382 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.