Credit Analysts Salary
Credit Analysts in Providence-Warwick, RI-MA make a median of $80,970 a year, or about $38.93 an hour. The range runs from $61K at the entry level to $131K for experienced workers. Adjusted for local prices (RPP 101.77), that's roughly $79,562 in purchasing power. A 2-bedroom apartment runs $1,729/month, about 34% of take-home, which is tight.
So what does $81K get you in Providence-Warwick?
Groceries, utilities, transportation, and healthcare scaled from national averages by Providence-Warwick’s Regional Price Parity (101.77). 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 Providence-Warwick
Credit analysts pay in Providence-Warwick tracks closely to the national median, $81K locally vs. $84K nationwide, a 3% difference. Rent runs $1,729/month for a 2-bedroom (HUD FMR), taking 33.1% of the median take-home. That's within the 30% rule, though not by much. Cost of living (RPP 101.77) is near the national average, so spending patterns here track the typical American budget fairly closely. Pay and costs are both near average, leaving limited margin for savings at the median wage.
Compared to nearby metros
Median pay for credit analysts in metros near Providence-Warwick, adjusted for local cost of living.
| Metro | Median pay | COL-adjusted |
|---|---|---|
| Boston-Cambridge-Newton | $102K | $94K |
| Bridgeport-Stamford-Danbury | $101K | $95K |
| Hartford-West Hartford-East Hartford | $107K | $104K |
| Worcester | $76K | $74K |
COL-adjusted = median salary ÷ (BEA Regional Price Parity ÷ 100). Expresses purchasing power in national-average dollars.
Compensation breakdown
Annual earnings by percentile, Providence-Warwick, RI-MA
Entry-level credit analysts (10th percentile) start around $61K. Mid-career wages sit at $81K. Top earners bring in $131K or more, a $70K 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 Providence-Warwick numbers change.
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Frequently asked questions
Can a credit analyst afford a 2BR apartment alone in Providence-Warwick?
It’s a stretch — at the median salary of $81K, rent takes 33.1% of take-home pay. A 2-bedroom at the HUD Fair Market Rent runs $1,729/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 Providence-Warwick?
The 10th-percentile wage — what new credit analysts typically earn — is $61K/year. Take-home on that works out to about $3,664/month. At HUD’s $1,729/month FMR, rent would take 47% 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 Providence-Warwick?
Pay here is roughly in line with the national average — $81K locally vs. $84K nationally, a 3% difference.
How does Providence-Warwick compare to the national average for credit analysts?
Providence-Warwick pays $81K median vs. the U.S. average of $84K — that’s -3%. After adjusting for local cost of living (RPP 101.77), the purchasing-power equivalent is $80K — below the national median.
How much do credit analysts make in Providence-Warwick, RI-MA?
The median is $80,970 a year, that works out to about $39 an hour. But the range is wide: entry-level workers start around $61,060, and experienced credit analysts can clear $130,840. These are BLS numbers, based on employer-reported data, not self-reported surveys.
Is $81K enough to live in Providence-Warwick?
On that salary, you'd take home roughly $5,224/month after taxes. A 2-bedroom here rents for about $1,729/month, which eats 33.1% 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 Providence-Warwick?
Providence-Warwick has a Regional Price Parity of 101.77 (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 $79,562 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.