Credit Counselors Salary
Credit Counselors in Las Cruces, NM make a median of $41,870 a year, or about $20.13 an hour. The range runs from $42K at the entry level to $68K for experienced workers.
So what does $42K get you in Las Cruces?
Groceries, utilities, transportation, and healthcare scaled from national averages by Las Cruces’s Regional Price Parity (90.2). 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 Las Cruces
Pay for credit counselors in Las Cruces runs about 20% below the U.S. median of $52K. The catch: housing math doesn't keep up. A 2-bedroom at the HUD median rents for $1,042/month, which is 36.1% of the median worker's take-home, past the 30% guideline most planners use. Regional Price Parity sits at 90.2 (national = 100), meaning everyday costs run about 10% 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 Las Cruces, adjusted for local cost of living.
| Metro | Median pay | COL-adjusted |
|---|---|---|
| Albuquerque | $52K | , |
| Dallas-Fort Worth-Arlington | $52K | , |
| Houston-Pasadena-The Woodlands | $48K | , |
| Phoenix-Mesa-Chandler | $54K | , |
COL-adjusted = median salary ÷ (BEA Regional Price Parity ÷ 100). Expresses purchasing power in national-average dollars.
Compensation breakdown
Annual earnings by percentile, Las Cruces, NM
Entry-level credit counselors (10th percentile) start around $42K. Mid-career wages sit at $42K. Top earners bring in $68K 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 Las Cruces numbers change.
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Frequently asked questions
Can a credit counselor afford a 2BR apartment alone in Las Cruces?
It’s a stretch — at the median salary of $42K, rent takes 36.1% of take-home pay. A 2-bedroom at the HUD Fair Market Rent runs $1,042/month. The 30% guideline puts the comfortable ceiling at roughly $900/month in rent — so roommates or a 1-bedroom would ease the math significantly.
What’s the entry-level salary for credit counselors in Las Cruces?
The 10th-percentile wage — what new credit counselors typically earn — is $42K/year. Take-home on that works out to about $2,512/month. At HUD’s $1,042/month FMR, rent would take 41% 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 Las Cruces?
Local pay runs 20% below the national median — $42K here vs. $52K nationally. Cost of living is 10% below the national average, which narrows that gap in real purchasing power.
How does Las Cruces compare to the national average for credit counselors?
Las Cruces pays $42K median vs. the U.S. average of $52K — that’s -20%. After adjusting for local cost of living (RPP 90.2), the purchasing-power equivalent is $46K — below the national median.
How much do credit counselors make in Las Cruces, NM?
The median is $41,870 a year, that works out to about $20 an hour. But the range is wide: entry-level workers start around $41,870, and experienced credit counselors can clear $67,720. These are BLS numbers, based on employer-reported data, not self-reported surveys.
Is $42K enough to live in Las Cruces?
On that salary, you'd take home roughly $2,885/month after taxes. A 2-bedroom here rents for about $1,042/month, which eats 36.1% 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 Las Cruces?
Las Cruces has a Regional Price Parity of 100 (100 is the national average). That's right at the national average. After cost-of-living adjustment, the median credit counselors salary is worth about $46,419 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.