Credit Counselors Salary
Credit Counselors in Virginia Beach-Chesapeake-Norfolk, VA-NC make a median of $51,880 a year, or about $24.94 an hour. The range runs from $39K at the entry level to $67K for experienced workers. Adjusted for local prices (RPP 97.94), that's roughly $52,971 in purchasing power. A 2-bedroom apartment runs $1,713/month, about 50.3% of take-home, which is tight.
So what does $52K get you in Virginia Beach-Chesapeake-Norfolk?
Groceries, utilities, transportation, and healthcare scaled from national averages by Virginia Beach-Chesapeake-Norfolk’s Regional Price Parity (97.94). 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 Virginia Beach-Chesapeake-Norfolk
Credit counselors pay in Virginia Beach-Chesapeake-Norfolk tracks closely to the national median, $52K locally vs. $52K nationwide, a 1% difference. The catch: housing math doesn't keep up. A 2-bedroom at the HUD median rents for $1,713/month, which is 49.8% of the median worker's take-home, past the 30% guideline most planners use. Cost of living (RPP 97.94) 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 Virginia Beach-Chesapeake-Norfolk, adjusted for local cost of living.
| Metro | Median pay | COL-adjusted |
|---|---|---|
| Richmond | $54K | $55K |
| Roanoke | $48K | $52K |
| Chattanooga | $39K | $42K |
| Raleigh-Cary | $42K | $43K |
COL-adjusted = median salary ÷ (BEA Regional Price Parity ÷ 100). Expresses purchasing power in national-average dollars.
Compensation breakdown
Annual earnings by percentile, Virginia Beach-Chesapeake-Norfolk, VA-NC
Entry-level credit counselors (10th percentile) start around $39K. Mid-career wages sit at $52K. Top earners bring in $67K or more, a $28K 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 Virginia Beach-Chesapeake-Norfolk numbers change.
Related careers in Business & Finance
Frequently asked questions
Can a credit counselor afford a 2BR apartment alone in Virginia Beach-Chesapeake-Norfolk?
It’s a stretch — at the median salary of $52K, rent takes 49.8% of take-home pay. A 2-bedroom at the HUD Fair Market Rent runs $1,713/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 Virginia Beach-Chesapeake-Norfolk?
The 10th-percentile wage — what new credit counselors typically earn — is $39K/year. Take-home on that works out to about $2,329/month. At HUD’s $1,713/month FMR, rent would take 74% 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 Virginia Beach-Chesapeake-Norfolk?
Pay here is roughly in line with the national average — $52K locally vs. $52K nationally, a 1% difference.
How does Virginia Beach-Chesapeake-Norfolk compare to the national average for credit counselors?
Virginia Beach-Chesapeake-Norfolk pays $52K median vs. the U.S. average of $52K — that’s -1%. After adjusting for local cost of living (RPP 97.94), the purchasing-power equivalent is $53K — still ahead of the national median.
How much do credit counselors make in Virginia Beach-Chesapeake-Norfolk, VA-NC?
The median is $51,880 a year, that works out to about $25 an hour. But the range is wide: entry-level workers start around $38,810, and experienced credit counselors can clear $66,980. These are BLS numbers, based on employer-reported data, not self-reported surveys.
Is $52K enough to live in Virginia Beach-Chesapeake-Norfolk?
On that salary, you'd take home roughly $3,438/month after taxes. A 2-bedroom here rents for about $1,713/month, which eats 49.8% 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 Virginia Beach-Chesapeake-Norfolk?
Virginia Beach-Chesapeake-Norfolk has a Regional Price Parity of 97.94 (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 $52,971 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.