Credit Counselors Salary
Credit Counselors in Johnson City, TN make a median of $37,020 a year, or about $17.8 an hour. The range runs from $37K at the entry level to $63K for experienced workers. Cost of living is below average (RPP 87.93), which stretches that salary to about $42,102 in buying power. A 2-bedroom apartment runs $1,132/month, about 42.5% of take-home, which is tight.
So what does $37K get you in Johnson City?
Groceries, utilities, transportation, and healthcare scaled from national averages by Johnson City’s Regional Price Parity (87.93). 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 counselors
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What this looks like in Johnson City
Pay for credit counselors in Johnson City runs about 29% below the U.S. median of $52K. The catch: housing math doesn't keep up. A 2-bedroom at the HUD median rents for $1,132/month, which is 42.7% of the median worker's take-home, past the 30% guideline most planners use. Regional Price Parity sits at 87.93 (national = 100), meaning everyday costs run about 12% cheaper here. Your dollar stretches further than the headline salary suggests. That combination, below-market pay with high housing costs, makes this a financially demanding market for credit counselorss.
Compared to nearby metros
Median pay for credit counselors in metros near Johnson City, adjusted for local cost of living.
| Metro | Median pay | COL-adjusted |
|---|---|---|
| Chattanooga | $39K | $42K |
| Nashville-Davidson--Murfreesboro--Franklin | $58K | $61K |
| Memphis | $60K | $65K |
| Birmingham | $46K | $50K |
COL-adjusted = median salary ÷ (BEA Regional Price Parity ÷ 100). Expresses purchasing power in national-average dollars.
Compensation breakdown
Annual earnings by percentile, Johnson City, TN
Entry-level credit counselors (10th percentile) start around $37K. Mid-career wages sit at $37K. Top earners bring in $63K or more, a $26K spread from bottom to top.
Credit Counselors pay across states
Median income ranked highest to lowest, compared to the national figure
View Credit Counselors salary in all states
| State | Median salary | vs. national | Employment |
|---|---|---|---|
| California | $67K | +29% | 2,160 |
| Georgia | $64K | +23% | 460 |
| District of Columbia | $64K | +22% | 110 |
| Massachusetts | $63K | +21% | 770 |
| New York | $63K | +21% | 2,020 |
| Nebraska | $63K | +20% | 260 |
| Washington | $62K | +19% | 560 |
| Minnesota | $62K | +19% | 580 |
| Maryland | $60K | +16% | 350 |
| Oregon | $59K | +13% | 280 |
| New Hampshire | $59K | +13% | 170 |
| Rhode Island | $58K | +12% | 130 |
| Pennsylvania | $58K | +12% | 1,110 |
| New Jersey | $57K | +9% | 530 |
| Colorado | $57K | +9% | 360 |
| Maine | $55K | +6% | 170 |
| Nevada | $55K | +6% | 170 |
| Connecticut | $55K | +5% | 100 |
| South Carolina | $53K | +2% | 250 |
| Delaware | $53K | +1% | 40 |
| North Dakota | $52K | -0% | 30 |
| Michigan | $52K | -0% | 1,260 |
| Wisconsin | $52K | -0% | 770 |
| Illinois | $52K | -1% | 1,170 |
| Virginia | $52K | -1% | 760 |
| Arizona | $51K | -1% | 980 |
| Utah | $51K | -2% | 190 |
| Ohio | $51K | -2% | 890 |
| Idaho | $51K | -2% | 90 |
| New Mexico | $50K | -4% | 200 |
| South Dakota | $49K | -6% | N/A |
| Texas | $48K | -8% | 3,950 |
| Indiana | $48K | -8% | 740 |
| Kentucky | $48K | -8% | 220 |
| Iowa | $48K | -8% | 440 |
| Alabama | $48K | -8% | N/A |
| Louisiana | $47K | -10% | 130 |
| Oklahoma | $47K | -10% | 230 |
| Florida | $46K | -11% | 2,410 |
| North Carolina | $46K | -12% | 320 |
| Mississippi | $46K | -12% | 210 |
| West Virginia | $46K | -12% | 150 |
| Arkansas | $45K | -14% | 50 |
| Wyoming | $43K | -18% | 40 |
| Tennessee | $39K | -26% | 950 |
| Missouri | $31K | -41% | N/A |
Showing 1–10 of 46 states
BLS does not publish data for every state when sample sizes are too small
Track credit counselors salary changes
BLS updates this data quarterly. We'll email you when Johnson City numbers change.
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Frequently asked questions
Can a credit counselor afford a 2BR apartment alone in Johnson City?
It’s a stretch — at the median salary of $37K, rent takes 42.7% of take-home pay. A 2-bedroom at the HUD Fair Market Rent runs $1,132/month. The 30% guideline puts the comfortable ceiling at roughly $800/month in rent — so roommates or a 1-bedroom would ease the math significantly.
What’s the entry-level salary for credit counselors in Johnson City?
The 10th-percentile wage — what new credit counselors typically earn — is $37K/year. Take-home on that works out to about $2,201/month. At HUD’s $1,132/month FMR, rent would take 51% 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 Johnson City?
Local pay runs 29% below the national median — $37K here vs. $52K nationally. Cost of living is 12% below the national average, which narrows that gap in real purchasing power.
How does Johnson City compare to the national average for credit counselors?
Johnson City pays $37K median vs. the U.S. average of $52K — that’s -29%. After adjusting for local cost of living (RPP 87.93), the purchasing-power equivalent is $42K — below the national median.
How much do credit counselors make in Johnson City, TN?
The median is $37,020 a year, that works out to about $18 an hour. But the range is wide: entry-level workers start around $36,680, and experienced credit counselors can clear $62,610. These are BLS numbers, based on employer-reported data, not self-reported surveys.
Is $37K enough to live in Johnson City?
On that salary, you'd take home roughly $2,649/month after taxes. A 2-bedroom here rents for about $1,132/month, which eats 42.7% 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 Johnson City?
Johnson City has a Regional Price Parity of 87.93 (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 $42,102 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.