Credit Counselors pay range in Boston
New workers and the lowest-paid 10% earn about $44,730 a year or less, while the top 10% make $97,800 or more. The middle half of credit counselors in Boston earn between $57,790 and $80,340.
- $45K10th
- $58K25th
- $64KMedian
- $80K75th
- $98K90th
median average · bar = middle 50% of workers · how to read it
| Pay level | Per year | Per month | Per hour* |
|---|---|---|---|
| Average | $68,580 | $5,715 | $32.97 |
| Median | $64,080 | $5,340 | $30.81 |
| Entry level (25th percentile) | $57,790 | $4,816 | $27.78 |
| Experienced (75th percentile) | $80,340 | $6,695 | $38.62 |
*Hourly figures assume 2,080 paid hours a year. Hourly to annual salary.
Credit Counselors pay in Boston vs. Massachusetts and the U.S.
Credit counselors in Boston earn about the same as the Massachusetts average ($67,020) and 20% more than the U.S. average ($57,210). At the median the gap is +23% against the U.S. median of $52,230.
| Area | Average | Median | 10th pct. | 90th pct. | Jobs |
|---|---|---|---|---|---|
| Boston | $68,580 | $64,080 | $44,730 | $97,800 | 620 |
| Massachusetts | $67,020 | $63,240 | $44,730 | $94,110 | 770 |
| 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 Boston
On the average salary of $68,580, a single filer in Boston takes home about $53,967 a year, or $4,497 a month and $2,076 every two weeks. Taxes take 21% of gross pay.
The Boston-Cambridge-Newton, MA-NH metro area crosses state lines, so take-home pay depends on the state where you work:
| State | Per year | Per month |
|---|---|---|
| Working in NH | $57,076 | $4,756 |
| Working in MA | $53,967 | $4,497 |
Single filer, standard deduction: federal income tax (2026 brackets), Social Security, Medicare and state income tax (2026 rules). Massachusetts Paid Family and Medical Leave premiums are not included.
Is Boston a good place for credit counselors? Pay vs. cost of living
Prices in the Boston area are 8% above the U.S. average (BEA price parity 108.3), so the average $68,580 buys what about $63,344 would buy in a typical U.S. metro. This job pays 1.0 times the median wage of all jobs in Boston ($66,620). A typical home costs $741,868, or 10.8 years of this average salary before tax.
Credit Counselors salary in other Massachusetts cities
Boston ranks 1st of 3 Massachusetts metro areas for this job, the best-paid in the state.
- Boston$68,580
- Worcester$62,930
- Springfield$56,480
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 Boston: questions
How much do credit counselors make an hour in Boston?
$32.97 an hour on average, and $30.81 at the median (BLS, May 2025).
What is the entry-level credit counselors salary in Boston?
The lowest-paid 10% earn about $44,730 a year and the 25th percentile is $57,790, a fair guide to starting pay.
What is the credit counselors take-home pay in Boston?
About $53,967 a year ($4,497 a month) for a single filer on the average salary of $68,580. Massachusetts Paid Family and Medical Leave premiums are not included.
Do credit counselors earn more in Boston than elsewhere?
The average here is 20% 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 Boston-Cambridge-Newton, MA-NH (14460). Relative standard error of the mean wage: 4.0%.
- 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 (2026 rules). Massachusetts Paid Family and Medical Leave premiums are not included.
- Job concentration: location quotient 1.28, this job is 1.3 times as concentrated as in the U.S. overall.
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