Credit Counselors Salary
Credit Counselors in Springfield, MA make a median of $51,140 a year, or about $24.59 an hour. The range runs from $44K at the entry level to $77K for experienced workers. Adjusted for local prices (RPP 96.06), that's roughly $53,238 in purchasing power. A 2-bedroom apartment runs $1,734/month, about 51.6% of take-home, which is tight.
So what does $51K get you in Springfield?
Groceries, utilities, transportation, and healthcare scaled from national averages by Springfield’s Regional Price Parity (96.06). 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 Springfield
Credit counselors pay in Springfield tracks closely to the national median, $51K locally vs. $52K nationwide, a 2% difference. The catch: housing math doesn't keep up. A 2-bedroom at the HUD median rents for $1,734/month, which is 51.3% of the median worker's take-home, past the 30% guideline most planners use. Cost of living (RPP 96.06) 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.
Compared to nearby metros
Median pay for credit counselors in metros near Springfield, adjusted for local cost of living.
| Metro | Median pay | COL-adjusted |
|---|---|---|
| Boston-Cambridge-Newton | $64K | $59K |
| Worcester | $61K | $59K |
| New York-Newark-Jersey City | $63K | $56K |
| Providence-Warwick | $58K | $57K |
COL-adjusted = median salary ÷ (BEA Regional Price Parity ÷ 100). Expresses purchasing power in national-average dollars.
Compensation breakdown
Annual earnings by percentile, Springfield, MA
Entry-level credit counselors (10th percentile) start around $44K. Mid-career wages sit at $51K. Top earners bring in $77K or more, a $33K 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 Springfield numbers change.
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Frequently asked questions
Can a credit counselor afford a 2BR apartment alone in Springfield?
It’s a stretch — at the median salary of $51K, rent takes 51.3% of take-home pay. A 2-bedroom at the HUD Fair Market Rent runs $1,734/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 Springfield?
The 10th-percentile wage — what new credit counselors typically earn — is $44K/year. Take-home on that works out to about $2,615/month. At HUD’s $1,734/month FMR, rent would take 66% 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 Springfield?
Pay here is roughly in line with the national average — $51K locally vs. $52K nationally, a 2% difference.
How does Springfield compare to the national average for credit counselors?
Springfield pays $51K median vs. the U.S. average of $52K — that’s -2%. After adjusting for local cost of living (RPP 96.06), the purchasing-power equivalent is $53K — still ahead of the national median.
How much do credit counselors make in Springfield, MA?
The median is $51,140 a year, that works out to about $25 an hour. But the range is wide: entry-level workers start around $43,580, and experienced credit counselors can clear $76,570. These are BLS numbers, based on employer-reported data, not self-reported surveys.
Is $51K enough to live in Springfield?
On that salary, you'd take home roughly $3,381/month after taxes. A 2-bedroom here rents for about $1,734/month, which eats 51.3% 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 Springfield?
Springfield has a Regional Price Parity of 96.06 (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 $53,238 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.