Credit Counselors pay range in San Jose
New workers and the lowest-paid 10% earn about $60,720 a year or less, while the top 10% make $97,400 or more. The middle half of credit counselors in San Jose earn between $60,720 and $82,460.
- $61K10th
- $61K25th
- $81KMedian
- $82K75th
- $97K90th
median average · bar = middle 50% of workers · how to read it
| Pay level | Per year | Per month | Per hour* |
|---|---|---|---|
| Average | $77,410 | $6,451 | $37.22 |
| Median | $80,680 | $6,723 | $38.79 |
| Entry level (25th percentile) | $60,720 | $5,060 | $29.19 |
| Experienced (75th percentile) | $82,460 | $6,872 | $39.64 |
*Hourly figures assume 2,080 paid hours a year. Hourly to annual salary.
Credit Counselors pay in San Jose vs. California and the U.S.
Credit counselors in San Jose earn 9% more than the California average ($71,180) and 35% more than the U.S. average ($57,210). At the median the gap is +54% against the U.S. median of $52,230.
| Area | Average | Median | 10th pct. | 90th pct. | Jobs |
|---|---|---|---|---|---|
| San Jose | $77,410 | $80,680 | $60,720 | $97,400 | 120 |
| California | $71,180 | $67,120 | $47,260 | $98,520 | 2,160 |
| United States | $57,210 | $52,230 | $38,350 | $80,440 | 27,770 |
State and U.S. rows: BLS statewide and national estimates, May 2025, which include rural areas.
Credit Counselors salary after taxes in San Jose
On the average salary of $77,410, a single filer in San Jose takes home about $60,168 a year, or $5,014 a month and $2,314 every two weeks. Taxes take 22% 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 counselors? 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 $77,410 buys what about $70,103 would buy in a typical U.S. metro. This job pays 1.0 times the median wage of all jobs in San Jose ($84,050). A typical home costs $1,610,466, or 20.8 years of this average salary before tax.
Credit Counselors salary in other California cities
San Jose ranks 2nd of 9 California metro areas for this job; San Francisco pays the most ($85,720).
- San Francisco$85,720
- San Jose$77,410
- Sacramento$76,900
- San Diego$72,810
- Los Angeles$68,340
- Riverside$67,870
- Fresno$66,940
- Oxnard$63,080
- Santa Maria$62,640
Highest-paying cities for credit counselors
San Francisco, CA pays this job the most of the metro areas we cover ($85,720).
- San Francisco, CA$85,720
- Salt Lake City, UT$79,060
- San Jose, CA$77,410
- Sacramento, CA$76,900
- San Diego, CA$72,810
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Credit Counselors salary in San Jose: questions
How much do credit counselors make an hour in San Jose?
$37.22 an hour on average, and $38.79 at the median (BLS, May 2025).
What is the entry-level credit counselors salary in San Jose?
The lowest-paid 10% earn about $60,720 a year and the 25th percentile is $60,720, a fair guide to starting pay.
What is the credit counselors take-home pay in San Jose?
About $60,168 a year ($5,014 a month) for a single filer on the average salary of $77,410. California State Disability Insurance (1.3% of wages, paid by employees) is not included.
Do credit counselors earn more in San Jose than elsewhere?
The average here is 35% more than the U.S. average for this job ($57,210).
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 13-2071; area San Jose-Sunnyvale-Santa Clara, CA (41940). Relative standard error of the mean wage: 2.1%.
- U.S. and statewide figures: BLS OEWS national and state estimates, May 2025, every employer including rural areas.
- 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 0.57, this job is less common than in the U.S. overall (location quotient 0.57).
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