Credit Counselors Salary
Credit Counselors in Riverside-San Bernardino-Ontario, CA make a median of $64,750 a year, or about $31.13 an hour. The range runs from $47K at the entry level to $94K for experienced workers. Prices run high here (RPP 106.44), so that salary is closer to $60,832 in real purchasing power. A 2-bedroom apartment runs $2,201/month, about 52.1% of take-home, which is tight.
So what does $65K get you in Riverside-San Bernardino-Ontario?
Groceries, utilities, transportation, and healthcare scaled from national averages by Riverside-San Bernardino-Ontario’s Regional Price Parity (106.44). 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 Riverside-San Bernardino-Ontario
Riverside-San Bernardino-Ontario sits well above the national pay line for credit counselors, local pay runs about 24% 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 $2,201/month, which is 51.1% of the median worker's take-home, past the 30% guideline most planners use. Cost-of-living overall is 6% above the national average (BEA RPP 106.44), 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 Riverside-San Bernardino-Ontario, adjusted for local cost of living.
| Metro | Median pay | COL-adjusted |
|---|---|---|
| Los Angeles-Long Beach-Anaheim | $65K | $57K |
| San Francisco-Oakland-Fremont | $83K | $71K |
| San Diego-Chula Vista-Carlsbad | $67K | $60K |
| San Jose-Sunnyvale-Santa Clara | $81K | $73K |
COL-adjusted = median salary ÷ (BEA Regional Price Parity ÷ 100). Expresses purchasing power in national-average dollars.
Compensation breakdown
Annual earnings by percentile, Riverside-San Bernardino-Ontario, CA
Entry-level credit counselors (10th percentile) start around $47K. Mid-career wages sit at $65K. Top earners bring in $94K or more, a $47K 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 with published data
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 Riverside-San Bernardino-Ontario numbers change.
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Frequently asked questions
Can a credit counselor afford a 2BR apartment alone in Riverside-San Bernardino-Ontario?
It’s a stretch — at the median salary of $65K, rent takes 51.1% of take-home pay. A 2-bedroom at the HUD Fair Market Rent runs $2,201/month. The 30% guideline puts the comfortable ceiling at roughly $1,300/month in rent — so roommates or a 1-bedroom would ease the math significantly.
What’s the entry-level salary for credit counselors in Riverside-San Bernardino-Ontario?
The 10th-percentile wage — what new credit counselors typically earn — is $47K/year. Take-home on that works out to about $2,792/month. At HUD’s $2,201/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.
Is credit counselor a high-paying job in Riverside-San Bernardino-Ontario?
Local pay is 24% above the national median — $65K here vs. $52K nationally. Keep in mind cost of living here is 6% above the national average, which offsets some of that premium.
How does Riverside-San Bernardino-Ontario compare to the national average for credit counselors?
Riverside-San Bernardino-Ontario pays $65K median vs. the U.S. average of $52K — that’s +24%. After adjusting for local cost of living (RPP 106.44), the purchasing-power equivalent is $61K — still ahead of the national median.
How much do credit counselors make in Riverside-San Bernardino-Ontario, CA?
The median is $64,750 a year, that works out to about $31 an hour. But the range is wide: entry-level workers start around $46,540, and experienced credit counselors can clear $93,580. These are BLS numbers, based on employer-reported data, not self-reported surveys.
Is $65K enough to live in Riverside-San Bernardino-Ontario?
On that salary, you'd take home roughly $4,305/month after taxes. A 2-bedroom here rents for about $2,201/month, which eats 51.1% 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 Riverside-San Bernardino-Ontario?
Riverside-San Bernardino-Ontario has a Regional Price Parity of 106.44 (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 $60,832 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.