Credit Counselors Salary
Credit Counselors in California make a median of $67,120 a year, or about $32.27 an hour. The range runs from $47K at the entry level to $99K for experienced workers. Prices run high here (RPP 106.14), so that salary is closer to $63,237 in real purchasing power. A 2-bedroom apartment runs $2,471/month, about 56.4% of take-home, which is tight.
Statewide average. Salary and cost of living vary significantly across California. Jump to a metro for precise data:
So what does $67K get you in California?
About credit counselors
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What this looks like in California
California sits well above the national pay line for credit counselors, local pay runs about 29% higher than the U.S. median of $52K. The catch: housing math doesn't keep up. A 2-bedroom at the HUD median rents for $2,471/month, which is 55.8% of the median worker's take-home, past the 30% guideline most planners use. Cost-of-living overall is 6% above the national average (BEA RPP 106.14), so groceries and services cost more too. The pay premium is real, but so are the offsets.
Compensation breakdown
Annual earnings by percentile, California
Entry-level credit counselors (10th percentile) start around $47K. Mid-career wages sit at $67K. Top earners bring in $99K or more, a $51K spread from bottom to top.
Credit Counselors salary by metro in California
9 metro areas with BLS data, ranked by median pay
| Metro area | Median salary | vs. state | Employment |
|---|---|---|---|
| San Francisco-Oakland-Fremont | $83K | +23% | 210 |
| San Jose-Sunnyvale-Santa Clara | $81K | +20% | 120 |
| Sacramento-Roseville-Folsom | $77K | +15% | 110 |
| San Diego-Chula Vista-Carlsbad | $67K | +0% | 200 |
| Fresno | $67K | -1% | 60 |
| Los Angeles-Long Beach-Anaheim | $65K | -3% | 830 |
| Riverside-San Bernardino-Ontario | $65K | -4% | 190 |
| Santa Maria-Santa Barbara | $63K | -7% | 40 |
| Oxnard-Thousand Oaks-Ventura | $60K | -10% | 50 |
Compare to other states
Track credit counselors salary changes
BLS updates this data quarterly. We'll email you when California numbers change.
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Frequently asked questions
Can a credit counselor afford a 2BR apartment alone in California?
It’s a stretch — at the median salary of $67K, rent takes 55.8% of take-home pay. A 2-bedroom at the HUD Fair Market Rent runs $2,471/month. The 30% guideline puts the comfortable ceiling at roughly $1,300/month in rent — so roommates or a 1-bedroom would ease the math significantly.
What’s the entry-level salary for credit counselors in California?
The 10th-percentile wage — what new credit counselors typically earn — is $47K/year. Take-home on that works out to about $2,836/month. At HUD’s $2,471/month FMR, rent would take 87% 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 California?
Local pay is 29% above the national median — $67K here vs. $52K nationally. Keep in mind cost of living here is 6% above the national average, which offsets some of that premium.
How does California compare to the national average for credit counselors?
California pays $67K median vs. the U.S. average of $52K — that’s +29%. After adjusting for local cost of living (RPP 106.14), the purchasing-power equivalent is $63K — still ahead of the national median.
How much do credit counselors make in California?
The median is $67,120 a year, that works out to about $32 an hour. But the range is wide: entry-level workers start around $47,260, and experienced credit counselors can clear $98,520. These are BLS numbers, based on employer-reported data, not self-reported surveys.
Is $67K enough to live in California?
On that salary, you'd take home roughly $4,428/month after taxes. A 2-bedroom here rents for about $2,471/month, which eats 55.8% 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 California?
California has a Regional Price Parity of 106.14 (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 counselors salary is worth about $63,237 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.