Credit Counselors Salary
Credit Counselors in Texas make a median of $48,220 a year, or about $23.18 an hour. The range runs from $36K at the entry level to $67K for experienced workers. Cost of living is below average (RPP 91.49), which stretches that salary to about $52,705 in buying power. A 2-bedroom apartment runs $1,415/month, about 40.8% of take-home, which is tight.
Statewide average. Salary and cost of living vary significantly across Texas. Jump to a metro for precise data:
So what does $48K get you in Texas?
About credit counselors
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What this looks like in Texas
Credit counselors pay in Texas tracks closely to the national median, $48K locally vs. $52K nationwide, a 8% difference. The catch: housing math doesn't keep up. A 2-bedroom at the HUD median rents for $1,415/month, which is 41.6% of the median worker's take-home, past the 30% guideline most planners use. Regional Price Parity sits at 91.49 (national = 100), meaning everyday costs run about 9% cheaper here. Your dollar stretches further than the headline salary suggests. Use the affordability calculator above to model your specific situation.
Compensation breakdown
Annual earnings by percentile, Texas
Entry-level credit counselors (10th percentile) start around $36K. Mid-career wages sit at $48K. Top earners bring in $67K or more, a $31K spread from bottom to top.
Credit Counselors salary by metro in Texas
13 metro areas with BLS data, ranked by median pay
| Metro area | Median salary | vs. state | Employment |
|---|---|---|---|
| Dallas-Fort Worth-Arlington | $52K | +7% | 1,080 |
| Austin-Round Rock-San Marcos | $50K | +5% | 370 |
| San Antonio-New Braunfels | $49K | +1% | 430 |
| McAllen-Edinburg-Mission | $48K | -0% | 110 |
| Houston-Pasadena-The Woodlands | $48K | -0% | 900 |
| Longview | $46K | -4% | 50 |
| Brownsville-Harlingen | $45K | -8% | 30 |
| El Paso | $45K | -8% | 70 |
| College Station-Bryan | $44K | -8% | 110 |
| Tyler | $44K | -8% | 90 |
| Lubbock | $41K | -15% | 50 |
| Beaumont-Port Arthur | $40K | -16% | 30 |
| Amarillo | $40K | -17% | 40 |
Showing 1–10 of 13 metros
Compare to other states
Track credit counselors salary changes
BLS updates this data quarterly. We'll email you when Texas numbers change.
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Frequently asked questions
Can a credit counselor afford a 2BR apartment alone in Texas?
It’s a stretch — at the median salary of $48K, rent takes 41.6% of take-home pay. A 2-bedroom at the HUD Fair Market Rent runs $1,415/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 Texas?
The 10th-percentile wage — what new credit counselors typically earn — is $36K/year. Take-home on that works out to about $2,167/month. At HUD’s $1,415/month FMR, rent would take 65% 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 Texas?
Pay here is roughly in line with the national average — $48K locally vs. $52K nationally, a 8% difference.
How does Texas compare to the national average for credit counselors?
Texas pays $48K median vs. the U.S. average of $52K — that’s -8%. After adjusting for local cost of living (RPP 91.49), the purchasing-power equivalent is $53K — still ahead of the national median.
How much do credit counselors make in Texas?
The median is $48,220 a year, that works out to about $23 an hour. But the range is wide: entry-level workers start around $36,120, and experienced credit counselors can clear $66,750. These are BLS numbers, based on employer-reported data, not self-reported surveys.
Is $48K enough to live in Texas?
On that salary, you'd take home roughly $3,399/month after taxes. A 2-bedroom here rents for about $1,415/month, which eats 41.6% 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 Texas?
Texas has a Regional Price Parity of 91.49 (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 $52,705 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.