Credit Counselors Salary

It’s a stretch — at the median salary of $45K, rent takes 53.3% of take-home pay. A 2-bedroom at the HUD Fair Market Rent runs $1,700/month. The 30% guideline puts the comfortable ceiling at roughly $1,000/month in rent — so roommates or a 1-bedroom would ease the math significantly.

The 10th-percentile wage — what new credit counselors typically earn — is $36K/year. Take-home on that works out to about $2,156/month. At HUD’s $1,700/month FMR, rent would take 79% of that take-home — above the 30% guideline, so a 1-bedroom or shared housing is likely necessary starting out.

Local pay runs 14% below the national median — $45K here vs. $52K nationally.

Deltona-Daytona Beach-Ormond Beach pays $45K median vs. the U.S. average of $52K — that’s -14%. After adjusting for local cost of living (RPP 99.37), the purchasing-power equivalent is $45K — below the national median.

The median is $45,090 a year, that works out to about $22 an hour. But the range is wide: entry-level workers start around $35,940, and experienced credit counselors can clear $70,050. These are BLS numbers, based on employer-reported data, not self-reported surveys.

On that salary, you'd take home roughly $3,189/month after taxes. A 2-bedroom here rents for about $1,700/month, which eats 53.3% 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.

Deltona-Daytona Beach-Ormond Beach has a Regional Price Parity of 99.37 (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 $45,376 in national-average purchasing power.

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.