Credit Counselors Salary
Credit Counselors in San Juan-Bayamon-Caguas, PR make a median of $50,010 a year, or about $24.04 an hour. The range runs from $28K at the entry level to $79K for experienced workers. Adjusted for local prices (RPP 100), that's roughly $50,010 in purchasing power. Rent on a 2-bedroom averages $663/month, or 20% of estimated take-home pay.
So what does $50K get you in San Juan-Bayamon-Caguas?
Groceries, utilities, transportation, and healthcare scaled from national averages by San Juan-Bayamon-Caguas’s Regional Price Parity (100). 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 San Juan-Bayamon-Caguas
Credit counselors pay in San Juan-Bayamon-Caguas tracks closely to the national median, $50K locally vs. $52K nationwide, a 4% difference. Housing is manageable: a 2-bedroom at the HUD median costs $663/month, 18.8% of take-home, well inside the 30% guideline. Cost of living (RPP 100) is near the national average, so spending patterns here track the typical American budget fairly closely. Use the affordability calculator above to model your specific situation.
Compensation breakdown
Annual earnings by percentile, San Juan-Bayamon-Caguas, PR
Entry-level credit counselors (10th percentile) start around $28K. Mid-career wages sit at $50K. Top earners bring in $79K 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
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 San Juan-Bayamon-Caguas numbers change.
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Frequently asked questions
Can a credit counselor afford a 2BR apartment alone in San Juan-Bayamon-Caguas?
Yes — at the median salary of $50K, rent takes 18.8% of take-home pay. A 2-bedroom at the HUD Fair Market Rent runs $663/month. That stays under the 30% guideline most financial planners use.
What’s the entry-level salary for credit counselors in San Juan-Bayamon-Caguas?
The 10th-percentile wage — what new credit counselors typically earn — is $28K/year. Take-home on that works out to about $1,675/month. At HUD’s $663/month FMR, rent would take 40% 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 San Juan-Bayamon-Caguas?
Pay here is roughly in line with the national average — $50K locally vs. $52K nationally, a 4% difference.
How does San Juan-Bayamon-Caguas compare to the national average for credit counselors?
San Juan-Bayamon-Caguas pays $50K median vs. the U.S. average of $52K — that’s -4%. After adjusting for local cost of living (RPP 100), the purchasing-power equivalent is $50K — below the national median.
How much do credit counselors make in San Juan-Bayamon-Caguas, PR?
The median is $50,010 a year, that works out to about $24 an hour. But the range is wide: entry-level workers start around $27,910, and experienced credit counselors can clear $78,920. These are BLS numbers, based on employer-reported data, not self-reported surveys.
Is $50K enough to live in San Juan-Bayamon-Caguas?
On that salary, you'd take home roughly $3,518/month after taxes. A 2-bedroom here rents for about $663/month, which eats 18.8% of your paycheck. That's under the 30% guideline most financial planners use, so the numbers work.
How far does a credit counselors salary go in San Juan-Bayamon-Caguas?
San Juan-Bayamon-Caguas 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 $50,010 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.