Credit Counselors Salary
Credit Counselors in Kiryas Joel-Poughkeepsie-Newburgh, NY make a median of $62,240 a year, or about $29.93 an hour. The range runs from $50K at the entry level to $79K for experienced workers. Prices run high here (RPP 109.42), so that salary is closer to $56,882 in real purchasing power. A 2-bedroom apartment runs $1,979/month, about 48.7% of take-home, which is tight.
So what does $62K get you in Kiryas Joel-Poughkeepsie-Newburgh?
Groceries, utilities, transportation, and healthcare scaled from national averages by Kiryas Joel-Poughkeepsie-Newburgh’s Regional Price Parity (109.42). 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 Kiryas Joel-Poughkeepsie-Newburgh
Kiryas Joel-Poughkeepsie-Newburgh sits well above the national pay line for credit counselors, local pay runs about 19% 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 $1,979/month, which is 48.2% of the median worker's take-home, past the 30% guideline most planners use. Cost-of-living overall is 9% above the national average (BEA RPP 109.42), so groceries and services cost more too. The pay premium is real, but so are the offsets.
Compared to nearby metros
Median pay for credit counselors in metros near Kiryas Joel-Poughkeepsie-Newburgh, adjusted for local cost of living.
| Metro | Median pay | COL-adjusted |
|---|---|---|
| New York-Newark-Jersey City | $63K | $56K |
| Buffalo-Cheektowaga | $57K | $60K |
| Rochester | $60K | $62K |
| Albany-Schenectady-Troy | $61K | $61K |
COL-adjusted = median salary ÷ (BEA Regional Price Parity ÷ 100). Expresses purchasing power in national-average dollars.
Compensation breakdown
Annual earnings by percentile, Kiryas Joel-Poughkeepsie-Newburgh, NY
Entry-level credit counselors (10th percentile) start around $50K. Mid-career wages sit at $62K. Top earners bring in $79K or more, a $28K 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 Kiryas Joel-Poughkeepsie-Newburgh numbers change.
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Frequently asked questions
Can a credit counselor afford a 2BR apartment alone in Kiryas Joel-Poughkeepsie-Newburgh?
It’s a stretch — at the median salary of $62K, rent takes 48.2% of take-home pay. A 2-bedroom at the HUD Fair Market Rent runs $1,979/month. The 30% guideline puts the comfortable ceiling at roughly $1,200/month in rent — so roommates or a 1-bedroom would ease the math significantly.
What’s the entry-level salary for credit counselors in Kiryas Joel-Poughkeepsie-Newburgh?
The 10th-percentile wage — what new credit counselors typically earn — is $50K/year. Take-home on that works out to about $3,014/month. At HUD’s $1,979/month FMR, rent would take 66% 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 Kiryas Joel-Poughkeepsie-Newburgh?
Local pay is 19% above the national median — $62K here vs. $52K nationally. Keep in mind cost of living here is 9% above the national average, which offsets some of that premium.
How does Kiryas Joel-Poughkeepsie-Newburgh compare to the national average for credit counselors?
Kiryas Joel-Poughkeepsie-Newburgh pays $62K median vs. the U.S. average of $52K — that’s +19%. After adjusting for local cost of living (RPP 109.42), the purchasing-power equivalent is $57K — still ahead of the national median.
How much do credit counselors make in Kiryas Joel-Poughkeepsie-Newburgh, NY?
The median is $62,240 a year, that works out to about $30 an hour. But the range is wide: entry-level workers start around $50,240, and experienced credit counselors can clear $78,530. These are BLS numbers, based on employer-reported data, not self-reported surveys.
Is $62K enough to live in Kiryas Joel-Poughkeepsie-Newburgh?
On that salary, you'd take home roughly $4,103/month after taxes. A 2-bedroom here rents for about $1,979/month, which eats 48.2% 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 Kiryas Joel-Poughkeepsie-Newburgh?
Kiryas Joel-Poughkeepsie-Newburgh has a Regional Price Parity of 109.42 (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 $56,882 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.