Credit Counselors Salary
Credit Counselors in Sacramento-Roseville-Folsom, CA make a median of $76,930 a year, or about $36.99 an hour. The range runs from $48K at the entry level to $99K for experienced workers. Prices run high here (RPP 106.67), so that salary is closer to $72,120 in real purchasing power. A 2-bedroom apartment runs $2,255/month, about 44.9% of take-home, which is tight.
So what does $77K get you in Sacramento-Roseville-Folsom?
Groceries, utilities, transportation, and healthcare scaled from national averages by Sacramento-Roseville-Folsom’s Regional Price Parity (106.67). 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
Sponsored links, AffordMap may earn a commission at no cost to you. Learn more
What this looks like in Sacramento-Roseville-Folsom
Sacramento-Roseville-Folsom sits well above the national pay line for credit counselors, local pay runs about 47% 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 $2,255/month, which is 45.7% of the median worker's take-home, past the 30% guideline most planners use. Cost-of-living overall is 7% above the national average (BEA RPP 106.67), 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 Sacramento-Roseville-Folsom, 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 |
| Riverside-San Bernardino-Ontario | $65K | $61K |
COL-adjusted = median salary ÷ (BEA Regional Price Parity ÷ 100). Expresses purchasing power in national-average dollars.
Compensation breakdown
Annual earnings by percentile, Sacramento-Roseville-Folsom, CA
Entry-level credit counselors (10th percentile) start around $48K. Mid-career wages sit at $77K. Top earners bring in $99K or more, a $51K 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 Sacramento-Roseville-Folsom numbers change.
Related careers in Business & Finance
Frequently asked questions
Can a credit counselor afford a 2BR apartment alone in Sacramento-Roseville-Folsom?
It’s a stretch — at the median salary of $77K, rent takes 45.7% of take-home pay. A 2-bedroom at the HUD Fair Market Rent runs $2,255/month. The 30% guideline puts the comfortable ceiling at roughly $1,500/month in rent — so roommates or a 1-bedroom would ease the math significantly.
What’s the entry-level salary for credit counselors in Sacramento-Roseville-Folsom?
The 10th-percentile wage — what new credit counselors typically earn — is $48K/year. Take-home on that works out to about $2,870/month. At HUD’s $2,255/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 Sacramento-Roseville-Folsom?
Local pay is 47% above the national median — $77K here vs. $52K nationally. Keep in mind cost of living here is 7% above the national average, which offsets some of that premium.
How does Sacramento-Roseville-Folsom compare to the national average for credit counselors?
Sacramento-Roseville-Folsom pays $77K median vs. the U.S. average of $52K — that’s +47%. After adjusting for local cost of living (RPP 106.67), the purchasing-power equivalent is $72K — still ahead of the national median.
How much do credit counselors make in Sacramento-Roseville-Folsom, CA?
The median is $76,930 a year, that works out to about $37 an hour. But the range is wide: entry-level workers start around $47,830, and experienced credit counselors can clear $98,810. These are BLS numbers, based on employer-reported data, not self-reported surveys.
Is $77K enough to live in Sacramento-Roseville-Folsom?
On that salary, you'd take home roughly $4,935/month after taxes. A 2-bedroom here rents for about $2,255/month, which eats 45.7% 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 Sacramento-Roseville-Folsom?
Sacramento-Roseville-Folsom has a Regional Price Parity of 106.67 (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 $72,120 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.