Credit Analysts pay range in San Jose
New workers and the lowest-paid 10% earn about $74,690 a year or less, while the top 10% make $209,560 or more. The middle half of credit analysts in San Jose earn between $96,140 and $165,200.
- $75K10th
- $96K25th
- $129KMedian
- $165K75th
- $210K90th
median average · bar = middle 50% of workers
| Pay level | Per year | Per month | Per hour* |
|---|---|---|---|
| Average | $135,700 | $11,308 | $65.24 |
| Median | $129,240 | $10,770 | $62.13 |
| Entry level (25th percentile) | $96,140 | $8,012 | $46.22 |
| Experienced (75th percentile) | $165,200 | $13,767 | $79.42 |
*Hourly figures assume 2,080 paid hours a year.
Credit Analysts salary after taxes in San Jose
On the average salary of $135,700, a single filer in San Jose takes home about $95,489 a year, or $7,957 a month and $3,673 every two weeks. Taxes take 30% of gross pay.
Single filer, standard deduction: federal income tax (2026 brackets), Social Security, Medicare and state income tax (2025 rules). California State Disability Insurance (1.3% of wages, paid by employees) is not included.
Is San Jose a good place for credit analysts? Pay vs. cost of living
Prices in the San Jose area are 10% above the U.S. average (BEA price parity 110.4), so the average $135,700 buys what about $122,891 would buy in a typical U.S. metro. This job pays 1.5 times the median wage of all jobs in San Jose ($84,050). A typical home costs $1,610,466, or 11.9 years of this average salary before tax.
Credit Analysts salary in other California cities
San Jose ranks 1st of 10 California metro areas for this job, the best-paid in the state.
- San Jose$135,700
- San Francisco$133,360
- Los Angeles$110,640
- San Diego$105,700
- Santa Rosa$100,050
- Oxnard$95,430
- Bakersfield$95,130
- Sacramento$92,800
- Riverside$88,550
- Fresno$84,750
Highest-paying cities for credit analysts
New York, NY pays this job the most of the metro areas we cover ($153,870).
- New York, NY$153,870
- San Jose, CA$135,700
- San Francisco, CA$133,360
- Washington, DC$120,420
- Burlington, VT$119,620
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Credit Analysts salary in San Jose: questions
How much do credit analysts make an hour in San Jose?
$65.24 an hour on average, and $62.13 at the median (BLS, May 2025).
What is the entry-level credit analysts salary in San Jose?
The lowest-paid 10% earn about $74,690 a year and the 25th percentile is $96,140, a fair guide to starting pay.
What is the credit analysts take-home pay in San Jose?
About $95,489 a year ($7,957 a month) for a single filer on the average salary of $135,700. California State Disability Insurance (1.3% of wages, paid by employees) is not included.
Do credit analysts earn more in San Jose than elsewhere?
The average here is 32% more than the U.S. metro average for this job ($102,930).
Sources and how to read this page
- Wages: U.S. Bureau of Labor Statistics, Occupational Employment and Wage Statistics (OEWS), May 2025 estimates for metropolitan areas. SOC code 13-2041; area San Jose-Sunnyvale-Santa Clara, CA (41940). Relative standard error of the mean wage: 4.0%.
- Cost of living: Bureau of Economic Analysis regional price parities (RPP), 2024; 100 = U.S. average.
- Home value: Zillow Home Value Index. Typical-wage figure: OEWS all occupations, same metro.
- Take-home pay: Single filer, standard deduction: federal income tax (2026 brackets), Social Security, Medicare and state income tax (2025 rules). California State Disability Insurance (1.3% of wages, paid by employees) is not included.
- Job concentration: location quotient 0.70, this job is less common than in the U.S. overall (location quotient 0.70).
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