Credit Analysts Salary
Credit Analysts in Raleigh-Cary, NC make a median of $80,630 a year, or about $38.77 an hour. The range runs from $59K at the entry level to $126K for experienced workers. Adjusted for local prices (RPP 98.16), that's roughly $82,141 in purchasing power. A 2-bedroom apartment runs $1,750/month, about 33.7% of take-home, which is tight.
So what does $81K get you in Raleigh-Cary?
Groceries, utilities, transportation, and healthcare scaled from national averages by Raleigh-Cary’s Regional Price Parity (98.16). 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 Raleigh-Cary
Credit analysts pay in Raleigh-Cary tracks closely to the national median, $81K locally vs. $84K nationwide, a 3% difference. Rent runs $1,750/month for a 2-bedroom (HUD FMR), taking 34.2% of the median take-home. That's within the 30% rule, though not by much. Cost of living (RPP 98.16) 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 Raleigh-Cary, adjusted for local cost of living.
| Metro | Median pay | COL-adjusted |
|---|---|---|
| Charlotte-Concord-Gastonia | $101K | $103K |
| Greensboro-High Point | $80K | $86K |
| Winston-Salem | $84K | $91K |
| Wilmington | $73K | $76K |
COL-adjusted = median salary ÷ (BEA Regional Price Parity ÷ 100). Expresses purchasing power in national-average dollars.
Compensation breakdown
Annual earnings by percentile, Raleigh-Cary, NC
Entry-level credit analysts (10th percentile) start around $59K. Mid-career wages sit at $81K. Top earners bring in $126K or more, a $67K 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 Raleigh-Cary numbers change.
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Frequently asked questions
Can a credit analyst afford a 2BR apartment alone in Raleigh-Cary?
It’s a stretch — at the median salary of $81K, rent takes 34.2% of take-home pay. A 2-bedroom at the HUD Fair Market Rent runs $1,750/month. The 30% guideline puts the comfortable ceiling at roughly $1,500/month in rent — so roommates or a 1-bedroom would ease the math significantly.
What’s the entry-level salary for credit analysts in Raleigh-Cary?
The 10th-percentile wage — what new credit analysts typically earn — is $59K/year. Take-home on that works out to about $3,518/month. At HUD’s $1,750/month FMR, rent would take 50% 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 Raleigh-Cary?
Pay here is roughly in line with the national average — $81K locally vs. $84K nationally, a 3% difference.
How does Raleigh-Cary compare to the national average for credit analysts?
Raleigh-Cary pays $81K median vs. the U.S. average of $84K — that’s -3%. After adjusting for local cost of living (RPP 98.16), the purchasing-power equivalent is $82K — below the national median.
How much do credit analysts make in Raleigh-Cary, NC?
The median is $80,630 a year, that works out to about $39 an hour. But the range is wide: entry-level workers start around $58,640, and experienced credit analysts can clear $125,920. These are BLS numbers, based on employer-reported data, not self-reported surveys.
Is $81K enough to live in Raleigh-Cary?
On that salary, you'd take home roughly $5,123/month after taxes. A 2-bedroom here rents for about $1,750/month, which eats 34.2% 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 Raleigh-Cary?
Raleigh-Cary has a Regional Price Parity of 98.16 (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 $82,141 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.