Credit Analysts Salary
Credit Analysts in St. Cloud, MN make a median of $74,170 a year, or about $35.66 an hour. The range runs from $55K at the entry level to $103K for experienced workers. Cost of living is below average (RPP 87.63), which stretches that salary to about $84,640 in buying power. Rent on a 2-bedroom averages $1,206/month, or 24.9% of estimated take-home pay.
So what does $74K get you in St. Cloud?
Groceries, utilities, transportation, and healthcare scaled from national averages by St. Cloud’s Regional Price Parity (87.63). 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 St. Cloud
Pay for credit analysts in St. Cloud runs about 11% below the U.S. median of $84K. Rent runs $1,206/month for a 2-bedroom (HUD FMR), taking 25.4% of the median take-home. That's within the 30% rule, though not by much. Regional Price Parity sits at 87.63 (national = 100), meaning everyday costs run about 12% 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 St. Cloud, adjusted for local cost of living.
| Metro | Median pay | COL-adjusted |
|---|---|---|
| Minneapolis-St. Paul-Bloomington | $85K | $81K |
| Milwaukee-Waukesha | $72K | $74K |
| Madison | $69K | $71K |
| Sioux Falls | $66K | $73K |
COL-adjusted = median salary ÷ (BEA Regional Price Parity ÷ 100). Expresses purchasing power in national-average dollars.
Compensation breakdown
Annual earnings by percentile, St. Cloud, MN
Entry-level credit analysts (10th percentile) start around $55K. Mid-career wages sit at $74K. Top earners bring in $103K or more, a $48K 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 St. Cloud numbers change.
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Frequently asked questions
Can a credit analyst afford a 2BR apartment alone in St. Cloud?
Yes — at the median salary of $74K, rent takes 25.4% of take-home pay. A 2-bedroom at the HUD Fair Market Rent runs $1,206/month. That stays under the 30% guideline most financial planners use.
What’s the entry-level salary for credit analysts in St. Cloud?
The 10th-percentile wage — what new credit analysts typically earn — is $55K/year. Take-home on that works out to about $3,304/month. At HUD’s $1,206/month FMR, rent would take 37% 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 St. Cloud?
Local pay runs 11% below the national median — $74K here vs. $84K nationally. Cost of living is 12% below the national average, which narrows that gap in real purchasing power.
How does St. Cloud compare to the national average for credit analysts?
St. Cloud pays $74K median vs. the U.S. average of $84K — that’s -11%. After adjusting for local cost of living (RPP 87.63), the purchasing-power equivalent is $85K — still ahead of the national median.
How much do credit analysts make in St. Cloud, MN?
The median is $74,170 a year, that works out to about $36 an hour. But the range is wide: entry-level workers start around $55,060, and experienced credit analysts can clear $103,460. These are BLS numbers, based on employer-reported data, not self-reported surveys.
Is $74K enough to live in St. Cloud?
On that salary, you'd take home roughly $4,746/month after taxes. A 2-bedroom here rents for about $1,206/month, which eats 25.4% 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 St. Cloud?
St. Cloud has a Regional Price Parity of 87.63 (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 $84,640 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.