Credit Counselors Salary
Credit Counselors in Arizona make a median of $51,480 a year, or about $24.75 an hour. The range runs from $44K at the entry level to $66K for experienced workers. Adjusted for local prices (RPP 96.41), that's roughly $53,397 in purchasing power. A 2-bedroom apartment runs $1,437/month, about 41.7% of take-home, which is tight.
Statewide average. Salary and cost of living vary significantly across Arizona. Jump to a metro for precise data:
So what does $51K get you in Arizona?
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What this looks like in Arizona
Credit counselors pay in Arizona tracks closely to the national median, $51K locally vs. $52K nationwide, a 1% difference. The catch: housing math doesn't keep up. A 2-bedroom at the HUD median rents for $1,437/month, which is 40.9% of the median worker's take-home, past the 30% guideline most planners use. Cost of living (RPP 96.41) is near the national average, so spending patterns here track the typical American budget fairly closely. Use the affordability calculator above to model your specific situation.
Compensation breakdown
Annual earnings by percentile, Arizona
Entry-level credit counselors (10th percentile) start around $44K. Mid-career wages sit at $51K. Top earners bring in $66K or more, a $23K spread from bottom to top.
Credit Counselors salary by metro in Arizona
2 metro areas with BLS data, ranked by median pay
| Metro area | Median salary | vs. state | Employment |
|---|---|---|---|
| Phoenix-Mesa-Chandler | $54K | +5% | 720 |
| Tucson | $48K | -7% | 120 |
Compare to other states
Track credit counselors salary changes
BLS updates this data quarterly. We'll email you when Arizona numbers change.
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Frequently asked questions
Can a credit counselor afford a 2BR apartment alone in Arizona?
It’s a stretch — at the median salary of $51K, rent takes 40.9% of take-home pay. A 2-bedroom at the HUD Fair Market Rent runs $1,437/month. The 30% guideline puts the comfortable ceiling at roughly $1,100/month in rent — so roommates or a 1-bedroom would ease the math significantly.
What’s the entry-level salary for credit counselors in Arizona?
The 10th-percentile wage — what new credit counselors typically earn — is $44K/year. Take-home on that works out to about $2,615/month. At HUD’s $1,437/month FMR, rent would take 55% of that take-home — above the 30% guideline, so a 1-bedroom or shared housing is likely necessary starting out.
Is credit counselor a high-paying job in Arizona?
Pay here is roughly in line with the national average — $51K locally vs. $52K nationally, a 1% difference.
How does Arizona compare to the national average for credit counselors?
Arizona pays $51K median vs. the U.S. average of $52K — that’s -1%. After adjusting for local cost of living (RPP 96.41), the purchasing-power equivalent is $53K — still ahead of the national median.
How much do credit counselors make in Arizona?
The median is $51,480 a year, that works out to about $25 an hour. But the range is wide: entry-level workers start around $43,580, and experienced credit counselors can clear $66,480. These are BLS numbers, based on employer-reported data, not self-reported surveys.
Is $51K enough to live in Arizona?
On that salary, you'd take home roughly $3,510/month after taxes. A 2-bedroom here rents for about $1,437/month, which eats 40.9% 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 counselors salary go in Arizona?
Arizona has a Regional Price Parity of 96.41 (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 counselors salary is worth about $53,397 in national-average purchasing power.
Where do credit counselors 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.