Credit Analysts Salary
Credit Analysts in Winchester, VA-WV make a median of $102,740 a year, or about $49.4 an hour. The range runs from $55K at the entry level to $161K for experienced workers. Adjusted for local prices (RPP 96.45), that's roughly $106,522 in purchasing power. Rent on a 2-bedroom averages $1,505/month, or 23.2% of estimated take-home pay.
Where the paycheck goes
What $103K actually covers in Winchester, month by month
Groceries, utilities, transportation, and healthcare scaled from national averages by Winchester’s Regional Price Parity (96.45). 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 Winchester
Winchester sits well above the national pay line for credit analysts, local pay runs about 23% higher than the U.S. median of $84K. Housing is manageable: a 2-bedroom at the HUD median costs $1,505/month, 24% of take-home, well inside the 30% guideline. Cost of living (RPP 96.45) is near the national average, so spending patterns here track the typical American budget fairly closely. Combined with manageable housing costs, Winchester offers a genuinely strong financial position for credit analysts at the median.
Compared to nearby metros
Median pay for credit analysts in metros near Winchester, adjusted for local cost of living.
| Metro | Median pay | COL-adjusted |
|---|---|---|
| Virginia Beach-Chesapeake-Norfolk | $79K | $81K |
| Charlotte-Concord-Gastonia | $101K | $103K |
| Washington-Arlington-Alexandria | $115K | $105K |
| Nashville-Davidson--Murfreesboro--Franklin | $78K | $81K |
COL-adjusted = median salary ÷ (BEA Regional Price Parity ÷ 100). Expresses purchasing power in national-average dollars.
Compensation breakdown
Annual earnings by percentile, Winchester, VA-WV
Entry-level credit analysts (10th percentile) start around $55K. Mid-career wages sit at $103K. Top earners bring in $161K or more, a $106K 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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Quick answers
The stuff people actually ask about this job
Can a credit analyst afford a 2BR apartment alone in Winchester?
Yes — at the median salary of $103K, rent takes 24% of take-home pay. A 2-bedroom at the HUD Fair Market Rent runs $1,505/month. That stays under the 30% guideline most financial planners use.
What’s the entry-level salary for credit analysts in Winchester?
The 10th-percentile wage — what new credit analysts typically earn — is $55K/year. Take-home on that works out to about $3,636/month. At HUD’s $1,505/month FMR, rent would take 41% 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 Winchester?
Local pay is 23% above the national median — $103K here vs. $84K nationally.
How does Winchester compare to the national average for credit analysts?
Winchester pays $103K median vs. the U.S. average of $84K — that’s +23%. After adjusting for local cost of living (RPP 96.45), the purchasing-power equivalent is $107K — still ahead of the national median.
How much do credit analysts make in Winchester, VA-WV?
The median is $102,740 a year, that works out to about $49 an hour. But the range is wide: entry-level workers start around $55,060, and experienced credit analysts can clear $161,320. These are BLS numbers, based on employer-reported data, not self-reported surveys.
Is $103K enough to live in Winchester?
On that salary, you'd take home roughly $6,273/month after taxes. A 2-bedroom here rents for about $1,505/month, which eats 24% 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 Winchester?
Winchester has a Regional Price Parity of 96.45 (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 $106,522 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.