Credit Counselors Salary
Credit Counselors in Lakeland-Winter Haven, FL make a median of $46,050 a year, or about $22.14 an hour. The range runs from $39K at the entry level to $56K for experienced workers. Adjusted for local prices (RPP 97.14), that's roughly $47,406 in purchasing power. A 2-bedroom apartment runs $1,497/month, about 45.2% of take-home, which is tight.
So what does $46K get you in Lakeland-Winter Haven?
Groceries, utilities, transportation, and healthcare scaled from national averages by Lakeland-Winter Haven’s Regional Price Parity (97.14). 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 Lakeland-Winter Haven
Pay for credit counselors in Lakeland-Winter Haven runs about 12% below the U.S. median of $52K. The catch: housing math doesn't keep up. A 2-bedroom at the HUD median rents for $1,497/month, which is 46% of the median worker's take-home, past the 30% guideline most planners use. Cost of living (RPP 97.14) is near the national average, so spending patterns here track the typical American budget fairly closely. 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 Lakeland-Winter Haven, adjusted for local cost of living.
| Metro | Median pay | COL-adjusted |
|---|---|---|
| Orlando-Kissimmee-Sanford | $47K | $47K |
| Miami-Fort Lauderdale-West Palm Beach | $48K | $42K |
| Tampa-St. Petersburg-Clearwater | $46K | $46K |
| Jacksonville | $51K | $51K |
COL-adjusted = median salary ÷ (BEA Regional Price Parity ÷ 100). Expresses purchasing power in national-average dollars.
Compensation breakdown
Annual earnings by percentile, Lakeland-Winter Haven, FL
Entry-level credit counselors (10th percentile) start around $39K. Mid-career wages sit at $46K. Top earners bring in $56K or more, a $17K 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 Lakeland-Winter Haven numbers change.
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Frequently asked questions
Can a credit counselor afford a 2BR apartment alone in Lakeland-Winter Haven?
It’s a stretch — at the median salary of $46K, rent takes 46% of take-home pay. A 2-bedroom at the HUD Fair Market Rent runs $1,497/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.
What’s the entry-level salary for credit counselors in Lakeland-Winter Haven?
The 10th-percentile wage — what new credit counselors typically earn — is $39K/year. Take-home on that works out to about $2,344/month. At HUD’s $1,497/month FMR, rent would take 64% 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 Lakeland-Winter Haven?
Local pay runs 12% below the national median — $46K here vs. $52K nationally.
How does Lakeland-Winter Haven compare to the national average for credit counselors?
Lakeland-Winter Haven pays $46K median vs. the U.S. average of $52K — that’s -12%. After adjusting for local cost of living (RPP 97.14), the purchasing-power equivalent is $47K — below the national median.
How much do credit counselors make in Lakeland-Winter Haven, FL?
The median is $46,050 a year, that works out to about $22 an hour. But the range is wide: entry-level workers start around $39,060, and experienced credit counselors can clear $55,930. These are BLS numbers, based on employer-reported data, not self-reported surveys.
Is $46K enough to live in Lakeland-Winter Haven?
On that salary, you'd take home roughly $3,253/month after taxes. A 2-bedroom here rents for about $1,497/month, which eats 46% 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 Lakeland-Winter Haven?
Lakeland-Winter Haven has a Regional Price Parity of 97.14 (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 $47,406 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.